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
OMB APPROVAL
OMB Number: 3235-0104
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
  DEMOLINA ALVARO G
 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, NC1-007-25-03		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Pres Global Corp and 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 80,223 (1)
D
 
Common Stock 9,890.12
I
Thrift Trust

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

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)
Date Exercisable Expiration Date Title Amount or Number of Shares
Preferred, Series C   (2)   (2) Common Stock 480.03 $ (2) D  
Option, Right to Buy   (3) 02/01/2012 Common Stock 105,000 $ 61.36 D  
Option, Right to Buy   (4) 02/02/2014 Common Stock 90,000 $ 81.55 D  
Option, Right to Buy   (5) 02/03/2013 Common Stock 90,000 $ 70.03 D  
Restricted Stock Units   (6) 02/15/2005 Common Stock 2,352 $ 81.47 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
DEMOLINA ALVARO G
BANK OF AMERICA CORPORATION
NC1-007-25-03
CHARLOTTE, NC 28255		       Pres Global Corp and Banking  

Signatures

Alvaro G. deMolina/Roger C. McClary POA 04/07/2004
**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 44,300 shares of restricted stock.
(2) Each share of Series C Preferred stock is convertible into 1.68 shares of common stock of Bank of America Corporation.
(3) 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.
(4) These options fully vest on February 2, 2007.
(5) These options fully vest on February 3, 2006.
(6) These restricted stock units vest in three equal installments commencing February 15, 2002

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.