Exhibit 23.1


                       CONSENT OF INDEPENDENT ACCOUNTANTS


         We  hereby   consent  to  the   incorporation   by   reference  in  the
Post-Effective   Amendment  No.  6  to   Registration   Statement  on  Form  S-8
(Registration  No.  2-80406) of Bank of America  Corporation of our report dated
January 13, 2000,  which  appears on page 53 of the Bank of America  Corporation
Annual Report on Form 10-K for the year ended December 31, 1999.


/s/  PRICEWATERHOUSECOOPERS LLP
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May 12, 2000
Charlotte, North Carolina