Bank of America Pricing Supplement No. 32

Filed Under Rule 424(b)(3), Registration Statement Nos. 333-65750 and 333-47222
Pricing Supplement Number 32 Dated Monday, February 11, 2002
(To: Prospectus Dated August 22, 2001)

CUSIP
Number

Selling Price
(% of Par)

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

06050XDY6

100.000%

1.500%

$7,075,255.00

5.900%

Semi-annually

02/15/2012

08/15/2002

$29.66

YES

Subordinated Unsecured
Notes

Aa3

Redemption Information: Non-Callable.

Redemption Information: Callable at 100.00% on 02/15/2005 and every coupon date thereafter.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC and Incapital LLC. Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney Inc., UBS PaineWebber
The Bank of America 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 02/15/2005 at a redemption price equal to 100% of the principal amount of the Bank of America 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 Selling Price
(% of Par) 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

06050XEA7 100.000% 2.500% $10,269,675.00 6.650% Semi-annually 02/15/2022 08/15/2002 $33.43 YES Subordinated Unsecured
Notes Aa3 A

Redemption Information: Callable at 100.000% on 02/15/2006 and every coupon date thereafter.

The Bank of America 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 02/15/2006 at a redemption price equal to 100% of the principal amount of the Bank of America 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 Selling Price
(% of Par) 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

06050XEB5 100.000% 2.500% $28,897,050.00 6.800% Semi-annually 02/15/2027 08/15/2002 $34.19 YES Subordinated Unsecured
Notes Aa3 A

Redemption Information: Callable at 100.000% on 02/15/2007 and every coupon date thereafter.

The Bank of America 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 02/15/2007 at a redemption price equal to 100% of the principal amount of the Bank of America 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, February 11, 2002 @12:00 PM ET
Settle Date: Thursday, February 14, 2002
Minimum Denomination/Increments: $1,000.00/$1,000.00
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
$5,000,000,000 Bank of America Corporation InterNotes
Prospectus Dated 22-Aug-01