Bank of America 
100 North Tryon Street 
Charlotte, NC  28255 
Tel 704.386.5000
   
   
   
Pricing Supplement No. 0295 dated March 12, 2003 (To Prospectus dated August 20, 2002 and Prospectus Supplement dated August 20, 2002)
          Rule 424(b)(2)
          File Number 333-97197
   
Senior Medium-Term Notes, Series J
  
   
Principal Amount:
 Banc of America Securities LLC 
Blaylock & Partners LP 
Williams Capital Group LP 
Total
$313,335,000.00 
$    1,582,500.00 
 $   1,582,500.00 
$316,500,000.00 
Issue Price: 
Commission or Discount: 
Proceeds to Corporation:
100.00% 
     .03% 
99.97% 
      $316,500,000.00 
     $         94,950.00
     $316,405,000.00 
   
Agent:
Banc of America Securities LLC, Blaylock & Partners LP, Williams Capital Group LP, as agents 
Original Issue Date:
 March 17, 2003 
Stated Maturity Date:
 June 20, 2006 
Cusip#:
 06050MCG0 
Form:  Book Entry Only 
Interest Rate:
 Floating 
Daycount Convention:
 Actual/360 
Base rate:
 LIBOR Telerate Page 3750 
Index Maturity:
 90 days 
Spread
+ 10.0 bps 
If the notes are not redeemed on September 20, 2004, the Spread will be + 20.0 bps 
Initial Interest Rate:
1.35875% 
Interest Reset Period:
Quarterly, commencing on June 20, 2003 
Interest Reset Dates:
March, June, September and December 20, commencing on June 20, 2003 
Interest Determination Date:
Two London business days preceding the Interest Reset  Dates 
Interest Payment Dates:
March, June, September and December 20, commencing on June 20, 2003 
May the Notes be redeemed by the corporation prior to maturity? 
            Yes (See below)
The notes will be subject to redemption at the option of the Corporation, in whole, on the Interest Payment Date occurring September 20, 2004 and quarterly on each Interest Payment Date occurring thereafter at a redemption price equal to 100% of the principal amount of the Notes, plus accrued interest thereon, if any, upon at least 30 calendar days prior notice to the NoteHolder and the Trustee, as described in the Prospectus Supplement. If the notes are not redeemed on September 20, 2004, the Spread will be + 20.0 bps. 
May the Notes be repaid prior to maturity at the option of the holder? 
              No
 Discount Note? No