Filed Under Rule 424(b)(3), Registration Statement No. 333-65750
 Pricing Supplement Number 51 Dated Monday, August 12, 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
06050XHB2 100.000% 1.500% $8,096,700.00 5.250% Semi-Annual 08/15/2012 02/15/2003 $26.25 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
06050XHC0 100.000% 2.000% $4,261,040.00 5.800%
Semi-annual
 08/15/2017 02/15/2003 $29.00 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Callable at 100.000% on 08/15/2005 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 08/15/2005 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
06050XHD8 100.000% 2.500% $23,593,050.00 6.000% Semi-annual 08/15/2022 02/15/2003 $30.00 YES Subordinated Unsecured
Notes		 Aa3 A
Redemption Information: Callable at 100.000% on 08/15/2006 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 08/15/2006 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.
 

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

 Trade Date: Monday, August 12, 2002 @12:00 PM ET
Settle Date: Thursday, August 15, 2002 
Minimum Denomination/Increments: $1,000.00/$1,000.00
Initial 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(®) is the trade mark of Incapital LLC. All rights reserved
Bank of America
$5,000,000,000 Bank of America Corporation InterNotes
Prospectus Dated 22-Aug-01