Filed Under Rule 424(b)(3), Registration Statement No. 333-65750
 Pricing Supplement Number 41 Dated Monday, May 06, 2002
(To: Prospectus Dated August 22, 2001)
 
CUSIP 
Number		 Selling Price
(% of Par)		  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
06050WAU9 100.000% 1.000% $5,653,890.00 4.850% Monthly 05/15/2007 06/15/2002 $4.85 YES Senior Unsecured
Notes		 Aa2 A+
Redemption Information: Non-Callable.
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
 
 
CUSIP 
Number		 Selling Price
(% of Par)		 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
06050XFK4 100.000% 1.500% $3,699,660.00 5.900% Semi-annual 05/15/2012 11/15/2002 $30.48 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Non-Callable
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
 
 
CUSIP 
Number		 Selling Price
(% of Par)		 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
06050XFL2 100.000% 2.000% $16,768,780.00 6.400% monthly 05/15/2017 06/15/2002 $6.40 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Callable at 100.000% on 05/15/2005 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 05/15/2005 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 1st Coupon Date 1st Coupon
Amount		 Survivor's
Option		 Product
Ranking		 Moody's
Rating		 S & P
Rating
06050XFM0 100.000% 2.500% $3,791,775.00 6.550% Semi-annual 05/15/2022 11/15/2002 $33.84 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Callable at 100.000% on 05/15/2006 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 05/15/2006 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 1st Coupon Date 1st Coupon
Amount		 Survivor's
Option		 Product
Ranking		 Moody's
Rating		 S & P
Rating
06050XFN8 100.000% 2.500% $20,027,475.00 6.800% Semi-annual 05/15/2027 11/15/2002 $35.13 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Callable at 100.000% on 05/15/2007 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 05/15/2007 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, May 06, 2002 @12:00 PM ET
Settle Date: Thursday, May 09, 2002 
Minimum Denomination/Increments: 1 Note/1 Note
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