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 Barbara J Desoer Bank of America Corporation NC1-007-57-02 NC, Charlotte 28255 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/Day/Year 2/18/2003 5. If Amendment, Date of Original (Month/Day/Year) 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) ( ) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other (specify below) President, Consumer Products 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. |2A. |3. |4.Securities Acquired (A) |5.Amount of |6.Dir |7.Nature of Indirect | |Trans-|Exec- |Trans | or Disposed of (D) | Securities |ect | Beneficial Ownership | |action|ution |action| | Beneficially |(D)or | | | | | | | | A/| | Owned Following |Indir | | |Date | Date |Code|V| Amount | D | Price | Reported Trans(s)|ect(I)| | ___________________________________________________________________________________________________________________________________| Common Stock | | | | | | | |10520 |D | | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock | | | | | | | |728 |I |Spouse | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock |12/31/| |J |V|1129.647 |A | |6467.472 |I |Thrift Trust | | 2002 | |1 | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Common Stock |12/31/| |J |V|93.182 |A | |2813.237 |I |Thrift Trust-Spouse | | 2002 | |1 | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| ___________________________________________________________________________________________________________________________________| ___________________________________________________________________________________________________________________________________| Table II -- Derivative Securitites Acquired, Disposed of, or Beneficially Owned | ___________________________________________________________________________________________________________________________________| 1.Title of |2.Con- |3. |3A. |4. |5.Number of De |6.Date Exer|7.Title and Amount |8.Price|9.Number |10.|11.Nature of| Derivative |version |Trans- |Deemed|Trans-| rivative Secu |cisable and| of Underlying |of Deri|of Deriva |Dir|Indirect | Security |or Exer |action | |action| rities Acqui |Expiration | Securities |vative |tive |ect|Beneficial | |cise | |Execu-| | red(A) or Dis |Date(Month/| |Secu |Securities |(D)|Ownership | |Price of| |ution | | posed of(D) |Day/Year) | |rity |Benefi |or | | |Deriva- | | | | |Date |Expir| | |ficially |Ind| | |tive | | | | | A/|Exer-|ation| Title and Number | |Owned Follow|ire| | |Secu- |(Month/|(Month| | | | D |cisa-|Date | of Shares | |ing Reported|ct | | |rity |Day/ |/Day/ |Code|V| Amount | |ble | | | |Trans- |(I)| | | |Year) |Year) | | | | | | | | |action(s) | | | ___________________________________________________________________________________________________________________________________| Option, Right|$48.4375| | | | | | | |01/03|Common Stock| | |105000 |D | | to buy | | | | | | | | |/2010| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$48.4375| | | | | | | |01/03|Common Stock| | |1200 |I |Spouse | to buy | | | | | | | | |/2010| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$53.28 | | | | | | | |01/31|Common Stock| | |180000 |D | | to Buy | | | | | | | | |/2011| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$53.28 | | | | | | | |01/31|Common Stock| | |1200 |I |Spouse | to Buy | | | | | | | | |/2011| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$61.36 | | | | | | | |2/01/|Common Stock| | |210000 |D | | to Buy | | | | | | | | |2012 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$61.36 | | | | | | | |2/01/|Common Stock| | |1200 |I |Spouse | to Buy | | | | | | | | |2012 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$48.4375| | | | | | | |1/02/|Common Stock| | |180 |I |Spouse | to Buy | | | | | | | | |2005 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$61.36 | | | | | | | |02/01|Common Stock| | |400 |I |Spouse | to Buy | | | | | | | | |/2007| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$70.03 | | | | | | | |02/03|Common Stock| | |100000 |D | | to buy | | | | | | | | |/2013| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Restricted St|$68.87 |2/14/ 2| |A | |42274 |A |2 |2/14/|Common Stock|42274 |$68.87 |42274 |D | | ock Units | |003 | | | | | | |2006 | | | | | | | | | | | | | | | |2 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option (Right|$36.7011| | | | | | | |08/05|Common Stock| | |13775 |D | | to Buy) | | | | | | | | |/2006| | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option (w/LSA|$95.4401| | | | | | | |05/22|Common Stock| | |50696 |D | | R) (Right to | | | | | | | | |/2007| | | | | | | Buy) | | | | | | | | | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option (w/LSA|$71.5801| | | | | | | |05/22|Common Stock| | |33382 |D | | R) (Right to | | | | | | | | |/2007| | | | | | | Buy) | | | | | | | | | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option (W/LSA|$63.6267| | | | | | | |05/22|Common Stock| | |31345 |D | | R) (Right to | | | | | | | | |/2007| | | | | | | Buy) | | | | | | | | | | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option,Right |$50.70 | | | | | | | |5/22/|Common Stock| | |45377 |D | | to Buy | | | | | | | | |2007 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$73.29 | | | | | | | |5/18/|Common Stock| | |204 |D | | to Buy | | | | | | | | |2003 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$73.29 | | | | | | | |5/18/|Common Stock| | |204 |I |Spouse | to Buy | | | | | | | | |2003 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| Option, Right|$60.50 | | | | | | | |1/03/|Common Stock| | |360 |I |Spouse | to Buy | | | | | | | | |2004 | | | | | | | - -----------------------------------------------------------------------------------------------------------------------------------| | | | | | | | | | | | | | | | | ___________________________________________________________________________________________________________________________________|
Explanation of Responses: 1. Shares acquired were exempt acquisitions pursuant to Rule 16b-3(c) under Bank of America Corporation 401(k) Plan. 2. These restricted stock units, which are exempt under Rule 16b-3(d), vest on the third anniversary of the grant date. SIGNATURE OF REPORTING PERSON Barbara J Desoer Barbara J. Desoer