Ownership Submission

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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3235-0104

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(Print or Type Responses)

1. Name and Address of Reporting Person ^*

MCGEE LIAM E

2. Date of Event Requiring Statement (Month/Day/Year)
04/02/2004

3. Issuer Name and Ticker or Trading Symbol
BANK OF AMERICA CORP /DE/ [BAC]

(Last)

(First)

(Middle)

BANK OF AMERICA CORPORATION, NC1 007 56 18

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

_____ Director	_____ 10% Owner
__X__ Officer (give title below)	_____ Other (specify below)
President Consumer Banking

5. If Amendment, Date Original Filed(Month/Day/Year)

(Street)

CHARLOTTE, NC 28255

6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

(City)

(State)

(Zip)

Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	13,887 ⁽¹⁾	D
Common Stock	448.14	I	Thrift Trust

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security		6. Nature of Indirect Beneficial Ownership (Instr. 5)
Option, Right to Buy	⁽²⁾	01/03/2010	Common Stock	30,000	$ 48.4375	D
Option, Right to Buy	⁽³⁾	01/31/2011	Common Stock	75,000	$ 53.28	D
Option, Right to Buy	⁽⁴⁾	02/01/2012	Common Stock	90,000	$ 61.36	D
Option, Right to Buy	⁽⁵⁾	02/02/2014	Common Stock	72,000	$ 81.55	D
Option, Right to Buy	⁽⁶⁾	02/03/2013	Common Stock	90,000	$ 70.03	D
Option, Right to Buy	⁽⁷⁾	08/05/2006	Common Stock	27,158	$ 36.7	D
Option, Right to Buy	⁽⁷⁾	05/22/2007	Common Stock	50,130	$ 95.4401	D
Option, Right to Buy	⁽⁷⁾	05/22/2007	Common Stock	33,043	$ 71.5801	D
Option, Right to Buy	⁽⁷⁾	05/22/2007	Common Stock	31,006	$ 63.6267	D
Option, Right to Buy	⁽⁷⁾	05/22/2007	Common Stock	44,811	$ 50.7	D

Reporting Owners

Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
MCGEE LIAM E BANK OF AMERICA CORPORATION NC1 007 56 18 CHARLOTTE, NC 28255			President Consumer Banking

Signatures

Liam E. McGee/Roger C. McClary POA		04/05/2004
^**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Includes 11,234 shares of restricted stock.
(2)	This option vested in three equal installments commencing January 3, 2001.
(3)	This option vested in three equal installments commencing February 1, 2002.
(4)	The option vested 50% on June 23, 2003, and the remaining 50% vest if the stock price closes at or above $91.36 for ten consecuti ve trading days.
(5)	These options vest in three equal installments commencing February 2, 2005.
(6)	These options vest in three equal installments commencing February 3, 2004.
(7)	This option fully vested on September 30, 1998, with the merger between BankAmerica Corporation and NationsBank Corporation.

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