Bank of America Pricing Supplement No. 43

Filed Under Rule 424(b)(3), Registration Statement No. 333-65750
Pricing Supplement Number 43 Dated Monday, May 20, 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

1^st Coupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050WAW5

100.000%

1.000%

$2,189,880.00

4.750%

Quarterly

05/15/2007

8/15/2002

$10.82

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

1^st Coupon Date

1^stCoupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050XFT5

100.000%

1.500%

$3,261,335.00

5.900%

Semi-annual

05/15/2012

11/15/2002

$28.19

YES

Subordinated Unsecured
Notes

Aa3

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

1^st Coupon Date

1^stCoupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050XFU2

100.000%

2.000%

$5,663,420.00

6.400%

Semi-annual

05/15/2017

11/15/2002

$30.58

YES

Subordinated Unsecured
Notes

Aa3

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

1^st Coupon Date

1^stCoupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050XFV0

100.000%

2.500%

$2,979,600.00

6.500%

Semi-annual

05/15/2022

11/15/2002

$31.06

YES

Subordinated Unsecured
Notes

Aa3

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

1^st Coupon Date

1^stCoupon
Amount

Survivor's
Option

Product
Ranking

Moody's
Rating

S & P
Rating

06050XFW8

100.000%

2.500%

$11,739,975.00

6.800%

Semi-annual

05/15/2027

11/15/2002

$32.49

YES

Subordinated Unsecured
Notes

Aa3

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 20, 2002 @12:00 PM ET
Settle Date: Thursday, May 23, 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.

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