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 *
MCGEE LIAM E
   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)
Pres Glbl Cons and Sml Bus Bkg
(Last)
(First)
(Middle)
BANK OF AMERICA CORPORATION, NC1 007 56 18		 3. Date of Earliest Transaction (Month/Day/Year)
02/01/2005
(Street)

CHARLOTTE, NC 28255		 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 02/01/2005   M   15,428 A $ 24.22 57,595.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.45 56,595.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.5 55,595.16 D  
Common Stock 02/01/2005   S(1)   500 D $ 46.57 55,095.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.581 54,095.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.59 53,095.16 D  
Common Stock 02/01/2005   S(1)   3,000 D $ 46.6 50,095.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.61 49,095.16 D  
Common Stock 02/01/2005   S(1)   2,000 D $ 46.62 47,095.16 D  
Common Stock 02/01/2005   S(1)   500 D $ 46.64 46,595.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.65 45,595.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.655 44,595.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.71 43,595.16 D  
Common Stock 02/01/2005   S(1)   428 D $ 46.76 43,167.16 D  
Common Stock 02/01/2005   S(1)   1,000 D $ 46.4 42,167.16 D  
Common Stock 12/31/2004   A V 33.34 A (2) 929.62 I Thrift 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
Option, Right to Buy $ 24.22 02/01/2005   M     15,428   (3) 01/03/2010 Common Stock 15,428 $ 24.22 13,716 D  
Option, Right to Buy $ 46.68 02/01/2005   A   200,000     (4) 02/01/2015 Common Stock 200,000 $ 46.68 200,000 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MCGEE LIAM E
BANK OF AMERICA CORPORATION
NC1 007 56 18
CHARLOTTE, NC 28255		       Pres Glbl Cons and Sml Bus Bkg  

Signatures

 Liam E. McGee/Roger C. McClary POA   02/02/2005
**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) Option exercise and sale of shares in accordance with a written plan established October 21, 2004 pursuant to the requirements of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended.
(2) Shares acquired were exempt acquisitions pursuant to Rule 16b-3(c) under the Bank of America Corporation 401(k) Plan.
(3) This option vested in three equal installments commencing January 3, 2001.
(4) These options fully vest on February 1, 2008. The proceeds must be held for a three year period after exercise.

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

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