Exhibit 23.2



                       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
July 1, 1999  included in The  NationsBank  401(k)  Plan's Annual Report on Form
11-K for the year ended December 31, 1998.

/s/ PRICEWATERHOUSECOOPERS LLP


May 12, 2000
Charlotte, North Carolina