Pricing Supplement                Pricing Supplement Number 18 Dated Tuesday, September 04, 2001
 
CUSIP 
Number
Resale
Price
Gross
Concession
Net 
Proceeds
Coupon
Rate
Coupon
Frequency
Maturity Date** 1st Coupon Date** 1st Coupon
Amount
Survivor's
Option
Product
Ranking
Moody's
Rating
S & P
Rating
06050XCA9 100.000% 1.500% $31,519,015.00 6.000% Monthly 9/15/2011 10/15/2001 $6.33 YES Subordinated Unsecured
Notes
Aa3 A
Redemption Information: Non-Callable

Joint Lead Managers:  Banc of America Securities LLC, Incapital LLC.  Lead Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Edward Jones, Merrill Lynch & Co., Morgan Stanley, Paine Webber Incorporated, Prudential Securities, Salomon Smith Barney.
 
CUSIP 
Number
Resale
Price
Gross
Concession
Net 
Proceeds
Coupon
Rate
Coupon
Frequency
Maturity
Date**
1st Coupon Date** 1st Coupon
Amount
Survivor's
Option
Product
Ranking
Moody's
Rating
S & P
Rating
06050XCG6 100.000% 2.000% $40,540,640.00 6.600% Semi-annually 9/15/2016 3/15/2002 $34.47 YES Subordinated Unsecured
Notes
Aa3 A
Redemption Information: *Callable at 100.000% on 9/15/2004 and every coupon date thereafter.

*The Internotes(sm) will be subject to redemption at the option of Bank of America Corporation, in whole, on the Interest Payment Date occurring 9/15/2004 and on any Interest Payment Date thereafter at a redemption price equal to 100% of the principal amount of the InterNotes(sm), plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
Joint Lead Managers:  Banc of America Securities LLC, Incapital LLC.  Lead Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Edward Jones, Merrill Lynch & Co., Morgan Stanley, Paine Webber Incorporated, Prudential Securities, Salomon Smith Barney.
 
CUSIP 
Number
Resale
Price
Gross
Concession
Net 
Proceeds
Coupon
Rate
Coupon
Frequency
Maturity Date** 1st Coupon Date** 1st Coupon
Amount
Survivor's
Option
Product
Ranking
Moody's
Rating
S & P
Rating
06050XCH4 100.000% 2.500% $7,570,875.00 6.650% Semi-Annually 9/15/2021 3/15/2002 $34.73 YES Subordinated Unsecured
Notes
Aa3 A
Redemption Information: *Callable at 100.000% on 9/15/2005 and every coupon date thereafter.

*The Internotes(sm) will be subject to redemption at the option of Bank of America Corporation, in whole, on the Interest Payment Date occurring 9/15/2005 and on any Interest Payment Date thereafter at a redemption price equal to 100% of the principal amount of the InterNotes(sm), plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
Joint Lead Managers:   Banc of America Securities LLC, Incapital LLC.  Lead Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Edward Jones, Merrill Lynch & Co., Morgan Stanley, Paine Webber Incorporated, Prudential Securities, Salomon Smith Barney.



**If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.
 

Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255

Trade Date: Tuesday, September 04, 2001 @12:00 PM ET
Settlement Date: Friday, September 07, 2001 @03:30 PM ET
Minimum Denomination/Increments: $1000.00/$1000.00
All trades settle flat and clear SDFS: DTC Book Entry only
DTC number: 0262 via BNY Clearing Services, LLC

InterNotes(sm) is the service mark of Incapital, LLC. All rights reserved

Bank of America Corporation
$5,000,000,000 InterNotes(sm)
Prospectus Dated 22-Aug-01
 

Page 1 of 2

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CUSIP 
Number
Resale
Price
Gross
Concession
Net 
Proceeds
Coupon
Rate
Coupon
Frequency
Maturity Date** 1st Coupon Date** 1st Coupon
Amount
Survivor's
Option
Product
Ranking
Moody's
Rating
S & P
Rating
06050XCJ0 100.000% 2.500% $24,043,500.00 6.875% Semi-Annually 9/15/2026 3/15/2002 $36.09 YES Subordinated Unsecured
Notes
Aa3 A
Redemption Information: *Callable at 100.000% on 9/15/2006 and every coupon date thereafter.

*The Internotes(sm) will be subject to redemption at the option of Bank of America Corporation, in whole, on the Interest Payment Date occurring 9/15/2006 and on any Interest Payment Date thereafter at a redemption price equal to 100% of the principal amount of the InterNotes(sm), plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
Joint Lead Managers:  Banc of America Securities LLC,  Incapital LLC.  Lead Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Edward Jones, Merrill Lynch & Co., Morgan Stanley, Paine Webber Incorporated, Prudential Securities, Salomon Smith Barney.



**If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.
 

Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255

Trade Date: Tuesday, September 04 , 2001 @12:00 PM ET
Settlement Date: Friday, September 07, 2001 @03:30 PM ET
Minimum Denomination/Increments: $1000.00/$1000.00
All trades settle flat and clear SDFS: DTC Book Entry only
DTC number: 0262 via BNY Clearing Services, LLC

InterNotes(sm) is the service mark of Incapital, LLC. All rights reserved

Bank of America Corporation
$5,000,000,000 InterNotes(sm)
Prospectus Dated 22-Aug-01
 

Page 2 of 2