Bank of America Pricing Supplement No. 60

Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement Number 60 Dated Monday, November 25, 2002
(To: Prospectus Dated August 20, 2002 and Prospectus Supplement dated August 20, 2002)

CUSIP Number	Aggregate Principal Amount	Price to Public	Gross Concession	Net Proceeds	Coupon Rate	Coupon Frequency	Maturity Date	1^st Coupon Date	1^stCoupon Amount	Survivor's Option	Product Ranking
06050XJH7	$7,663,000.00	100.000%	2.000%	$7,509,740.00	5.500%	Semi-annual	11/15/2017	05/15/2003	$25.36	YES	Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 11/15/2005 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 11/15/2005 and on any interest payment date thereafter 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.

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, UBS PaineWebber

CUSIP
Number Aggregate Principal Amount Price to Public Gross
Concession Net
Proceeds Coupon Rate Coupon Frequency Maturity Date 1^st Coupon Date 1^st
Coupon Amount Survivor's Option Product
Ranking

06050XJJ3 $17,767,000.00 100.000% 2.500% $17,322,825.00 6.000% Semi-Annual 11/15/2027 05/15/2003 $27.67 YES Subordinated Unsecured
Notes

Redemption Information: Callable at 100.000% on 11/15/2007 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 11/15/2007 and on any interest payment date thereafter 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.

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, UBS PaineWebber

Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255
Trade Date: Monday, November 25, 2002 @12:00 PM ET
Settlement Date: Friday, November 29, 2002
Minimum Denomination/Increments: $1,000.00/$1,000.00
Moody's Investor Services Rating: Subordinated: Aa3
S&P Ratings Services Rating: Subordinated: A
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
$6,000,000,000 Bank of America
InterNotes
Prospectus Dated 20-Aug-02