UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 4 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP ( ) Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instructions 1(b). 1. Name and Address of Reporting Person Meredith Riggs Spangler 668 Hempstead Place NC, Charlotte 28207-2320 2. Issuer Name and Ticker or Trading Symbol BANK OF AMERICA CORPORATION (BAC) 3. IRS or Social Security Number of Reporting Person (Voluntary) 4. Statement for Month/Year 10/23/2002 5. If Amendment, Date of Original (Month/Year) 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) (X) Director ( ) 10% Owner ( ) Officer (give title below) ( ) Other (specify below) 7. Individual or Joint/Group Filing (Check Applicable Line) (X) Form filed by One Reporting Person ( ) Form filed by More than One Reporting Person
___________________________________________________________________________________________________________________________________ Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned | ___________________________________________________________________________________________________________________________________| 1. Title of Security |2. |3. |4.Securities Acquired (A) |5.Amount of |6.Dir |7.Nature of Indirect | | Transaction | or Disposed of (D) | Securities |ect | Beneficial Ownership | | | | | Beneficially |(D)or | | | | | | | A/| | Owned at |Indir | | | Date |Code|V| Amount | D | Price | End of Month |ect(I)| | ___________________________________________________________________________________________________________________________________| Common Stock | | | | | | |21576 |D | | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |20000 |I |By Husband | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |30000 |I |C D Spangler Construction C| | | | | | | | | |o. | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |3000000 |I |C D Spangler Foundation | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |25150 |I |Daughter-Abigail R Spangler| - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |25386 |I |Daughter-Anna W Spangler | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |2938000 |I |Delcap, Inc. | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |9890266 |I |Delcor, Inc. | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |30000 |I |Golden Eagle Industries | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | |21434 |I |Niece-Melissa Garrison | - -----------------------------------------------------------------------------------------------------------------------------------| ___________________________________________________________________________________________________________________________________| ___________________________________________________________________________________________________________________________________ Table II -- Derivative Securitites Acquired, Disposed of, or Beneficially Owned | ___________________________________________________________________________________________________________________________________| 1.Title of Derivative |2.Con- |3. |4. |5.Number of De |6.Date Exer|7.Title and Amount |8.Price|9.Number |10.|11.Nature of| Security |version |Transaction | rivative Secu |cisable and| of Underlying |of Deri|of Deriva |Dir|Indirect | |or Exer | | | rities Acqui |Expiration | Securities |vative |tive |ect|Beneficial | |cise | | | red(A) or Dis |Date(Month/| |Secu |Securities |(D)|Ownership | |Price of| | | posed of(D) |Day/Year) | |rity |Benefi |or | | |Deriva- | | | |Date |Expir| | |ficially |Ind| | |tive | | | | A/|Exer-|ation| Title and Number | |Owned at |ire| | |Secu- | | | | | D |cisa-|Date | of Shares | |End of |ct | | |rity |Date |Code|V| Amount | |ble | | | |Month |(I)| | ___________________________________________________________________________________________________________________________________| Phantom Stock | |9/27/|A |V|128.3095 |A |1 |1 |Common Stock|128.309|$64.08 | |D | | | | 2002| | | | | | | |5 | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Phantom Stock | |10/23|A | |42.796 |A |2 |2 |Common Stock|42.796 |$70.10 |13921.7987 |D | | | |/ 200| | | | | | | | | | | | | | |2 | | | | | | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right to Buy |$71.50 | | | | | | |04/24|Common Stock| | |4000 |D | | | | | | | | | |/2012| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| | | | | | | | | | | | | | | | ___________________________________________________________________________________________________________________________________|
Explanation of Responses: 1. Reinvested Phantom Dividends which are exempt under Rule 16b-3. Phantom stock units may be settled on death or termination of service as a director. 2. Phantom stock units may be settled upon death or termination of service as a director.