NationsBank Corporation Charlotte, NC 28255 Tel 704 386-5000 Pricing Supplement No. 0176 Dated August 5, 1997 Rule 424(b)(2) (To Prospectus dated July 12, 1996 and File number: 333-7229 Prospectus Supplement dated November 8, 1996) Subordinated Medium-Term Notes, Series F Due Nine Months or More From Date of Issue Fixed Rate Notes Principal Amount: $ 20,000,000.00 Issue Price: 100% (1) Commission or Discount: 0.800% $ 160,000.00 Proceeds to Company: 99.200% $ 19,840,000.00 Agent: Morgan Stanley & Co. Incorporated, as Principal (1) Original Issue Date: August 20, 1997 Stated Maturity Date: August 20, 2012 Cusip #: 63858S-BM-0 Form: Book entry only Interest Rate: 7.285% per annum Interest Payment Dates: 20th of each February and August, commencing February 20, 1998 Discount Note? No May the Notes be redeemed by the Company prior to maturity? Yes (See below) The notes will be subject to redemption at the option of the Company, in whole, on the Interest Payment Date occurring August 20, 2002 at a redemption price equal to 100% of the principal amount of the Notes, plus accrued interest thereon, if any, upon at least 30 calendar days prior notice, as described in the Prospectus Supplement. May the notes be repaid prior to maturity at the option of No the holder? (1): Notes purchased by the Agent as principal may be resold to investors and other purchasers at varying prices relating to prevailing market prices at the time of resale as determined by Morgan Stanley & Co. Incorporated