pricing supplement No. 19

Pricing Supplement Pricing Supplement Number 19 Dated Monday, September 10, 2001

CUSIP
Number

Resale
Price

Gross
Concession

Net
Proceeds

Coupon
Rate

Coupon
Frequency

Maturity Date

1^st Coupon Date

1st Coupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050XCK7

100.000%

1.500%

$15,559,060.00

6.150%

Semi-Annual

9/15/2011

03/15/2002

$31.09

YES

Subordinated Unsecured
Notes

Aa3

Redemption Information: Non-Callable

The Bank of America Corporation InterNotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring any time on or after 9/15/2004 at a redemption price equal to 100% of the principal amount of the Bank of America Corporation InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.

CUSIP
Number Resale
Price Gross
Concession Net
Proceeds Coupon
Rate Coupon
Frequency Maturity Date 1^st Coupon Date 1^stCoupon
Amount Survivor's
Option Product
Ranking Moody's
Rating S & P
Rating

06050XCM3 100.000% 2.500% $1,530,750.00 6.650% Semi-Annually 9/15/2021 3/15/2002 $33.62 YES Subordinated Unsecured
Notes Aa3 A

Redemption Information: Callable at 100.000% on 9/15/2005 and every coupon date thereafter.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC and Incapital LLC. Agents: Charles Schwab & Co., Inc., A.G. Edward & Sons, Inc., Merrill Lynch & Co., Morgan Stanley & Co., PaineWebber Inc, Edward D. Jones & Co, Prudential Securities Corporation, Salomon Smith Barney Inc..

The Bank of America Corporation InterNotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring any time on or after 9/15/2005 at a redemption price equal to 100% of the principal amount of the Bank of America Corporation InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.

CUSIP
Number Resale
Price Gross
Concession Net
Proceeds Coupon
Rate Coupon
Frequency Maturity Date 1^st Coupon Date 1st Coupon
Amount Survivor's
Option Product
Ranking Moody's
Rating S & P
Rating

06050XCN1 100.000% 2.500% $74,128,275.00 7.000% Semi-Annually 9/15/2026 3/15/2002 $35.39 YES Subordinated Unsecured
Notes Aa3 A

Redemption Information: Callable at 100.000% on 9/15/2006 and every coupon date thereafter.

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

Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255
Trade Date: Monday, September 10 , 2001 @12:00 PM ET
Settlement Date: Thursday, September 13, 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
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.
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