FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN 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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(Print or Type Responses)
1. Name and Address of Reporting Person *
MOYNIHAN BRIAN T
   2. Issuer Name and Ticker or Trading Symbol
BANK OF AMERICA CORP /DE/ [BAC] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
President Wealth Management
(Last)
(First)
(Middle)
BANK OF AMERICA CORPORATIONBANK OF AMERI, 100 FEDERAL STREET100 FEDERAL STREET		 3. Date of Earliest Transaction (Month/Day/Year)
04/01/2004
(Street)

BOSTON, MA 02110		 4. If Amendment, Date Original Filed(Month/Day/Year)
 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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 04/01/2004   A(1)   66,254 (2) A $ 0 (1) 66,254 D  
Common Stock 04/01/2004   M   41,648 A $ 81.47 107,902 D  
Common Stock 04/01/2004   F(3)   13,224 D $ 81.47 94,678 D  
Common Stock 04/01/2004   F(4)   1,630 D $ 81.47 93,048 D  
Common Stock 04/01/2004   A(1)   965.43 A $ 0 (1) 965.43 I 401(k) Plan
Common Stock 04/01/2004   A(1)   638 A $ 0 (1) 638 I Family Trust

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Restricted Stock Units $ 81.47 (5) 04/01/2004   A   30,840     (5) 04/01/2007(5) Common Stock 30,840 $ 81.47 30,840 D  
Option, Right to Buy $ 59.27 04/01/2004   A(6)   22,212     (7) 10/14/2007 Common Stock 22,212 $ 59.27 22,212 D  
Option, Right to Buy $ 70.34 04/01/2004   A(6)   27,765     (7) 10/20/2008 Common Stock 27,765 $ 70.34 27,765 D  
Option, Right to Buy $ 66.02 04/01/2004   A(6)   38,871     (7) 12/20/2009 Common Stock 38,871 $ 66.02 38,871 D  
Option, Right to Buy $ 62.58 04/01/2004   A(6)   55,530     (7) 10/16/2010 Common Stock 55,530 $ 62.58 55,530 D  
Option, Right to Buy $ 59.36 04/01/2004   A(6)   69,413     (7) 10/15/2011 Common Stock 69,413 $ 59.36 69,413 D  
Option, Right to Buy $ 38.27 04/01/2004   A(6)   52,059     (7) 10/14/2012 Common Stock 52,059 $ 38.27 52,059 D  
Performance Restricted Stock Units (8) 04/01/2004   A(8)   41,648     (9)   (9) Common Stock 41,648 (8) 41,648 D  
Performance Restricted Stock Units (8) 04/01/2004   M     41,648   (9)   (9) Common Stock 41,648 $ 81.47 0 D  
Restricted Stock Units (10) 04/01/2004   A(10)   39,488     (11)   (11) Common Stock 39,488 (10) 39,488 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MOYNIHAN BRIAN T
BANK OF AMERICA CORPORATIONBANK OF AMERI
100 FEDERAL STREET100 FEDERAL STREET
BOSTON, MA 02110		       President Wealth Management  

Signatures

 Brian T. Moynihan/Roger C. McClary POA   04/02/2004
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(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) Received in exchange for common stock of FleetBoston Financial at an exchange ratio of .5553 of a share of Bank of America common stock for each share of FleetBoston Financial common stock in connection with the merger of FleetBoston Financial into Bank of America on April 1, 2004. The closing price of FleetBoston Financial common stock on the last day prior to the effective time of the merger was $44.90 per share.
(2) Includes 5,135 shares of restricted stock which vested on the effective date of the merger.
(3) Disposition of shares to the issuer to satisfy the withholding obligation associated with the vesting of 41,648 restricted shares which is exempt under Rule 16b-3(e).
(4) Disposition of shares to the issuer to satisfy the withholding obligation associated with the vesting of 5,135 restricted shares which is exempt under Rule 16b-3(e).
(5) These restricted stock units, which are exempt under Rule 16b-3(d), vest on the third anniversary of the grant date.
(6) Received in exchange for options to acquire FleetBoston Financial (FleetBoston) at an exchange ratio of .5553 of a share of Bank of America common stock for each share of FleetBoston common stock subject to such option in connection withthe merger of Fleetboston into Bank of America on April 1, 2004. The exercise price per share of Bank of America stock issuable upon exercise of these options is equal to the exercise price per share of FleetBoston common stock at which such FleetBoston option was exercisable immediately prior to the effective time of the merger divided by .5553. The closing price of FleetBoston common stock on the last day prior to the effective time of the merger was $44.90 per share.
(7) This option fully vested on the effective date of the merger of FleetBoston Financial into Bank of America Corporation.
(8) Received in exchange for FleetBoston Financial performance based restricted stock units at the rate of .5553 Bank of America units for each FleetBoston unit in connection with the merger of FleetBoston into Bank of America Corporation on April 1, 2004. The closing price of FleetBoston common stock on the last day prior to the effective time of the merger was $44.90 per share.
(9) These performance restricted stock units fully vested on the effective date of the merger.
(10) Received in exchange for FleetBoston Financial restricted stock units at the rate of .5553 Bank of America restricted stock units for each FleetBoston unit held prior to the merger of FleetBoston into Bank of America Corporation on April 1, 2004. The closing price of FleetBoston common stock on the last day prior to the effective time of the merger was $44.90 per share.
(11) These restricted stock units vest in three equal installments commencing February 17, 2005.

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