Bank of America(logo)
                                               100 North Tryon Street
                                               Charlotte, NC 28255

                                               Tel 704.386.5000

Pricing Supplement No. 0243 Dated January 19, 2000      Rule 424(b)(2)
(To Prospectus dated May 21, 1998 and                   File number: 333-51367
Prospectus Supplement dated November 16, 1998)

Subordinated Medium-Term Notes, Series H
Due Nine Months or More From Date of Issue
Fixed Rate Notes

Principal Amount:                               $  35,000,000.00
Issue Price:                       100.0%(1)    $  35,000,000.00
Commission or Discount:              1.70%      $     595,000.00
Proceeds to Corporation:            98.30%      $  34,405,000.00

Agent:                   Salomon Smith Barney, as Principal (1)

Original Issue Date:     February 10, 2000

Stated Maturity Date:    February 10, 2015

Cusip #:                 06050N-AN-5

Form:                    Book-entry only

Interest Rate:           8.000% per annum

Interest Payment Dates:  The 10th of each month commencing March 10, 2000

Discount Note?                                         No

May the Notes be redeemed by the Corporation prior
 to maturity?                                          Yes (See below)

The notes will be subject to redemption at the option of the Corporation,
in whole, on the Interest Payment Date occurring February 10, 2003 and on any
Interest Payment Date occurring thereafter at a redemption price equal to
100% of the principal amount of the Notes, plus accrued interest thereon,
if any, upon at least 35 calendar days prior notice to the NoteHolder and
the Trustee, as described in the Prospectus Supplement.


May the notes be repaid prior to maturity at the option of the
 holder?                                               No

(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 Salomon
     Smith Barney, as Principal.