Bank of America 
100 North Tryon Street 
Charlotte, NC  28255 
Tel 704.386.5000
   
   
   
Pricing Supplement No. 0309 dated December 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:
  $169,000,000.00 
Issue Price: 
Commission or Discount: 
Proceeds to Corporation:
100.00% 
   0.00% 
100.00% 
    $169,000,000.00 
   $                  0.00
   $169,000,000.00 
   
Agent:
Banc of America Securities LLC, as agent
Original Issue Date:
 December 17, 2003 
Stated Maturity Date:
 March 23, 2019 
Cusip #:
 06050 MCX3 
Form:  Book entry only 
Interest Rate:
 Fixed 
Daycount Convention:
 30/360 
Base rate:
 N/A 
Index Maturity:
 None 
Spread:
None 
Initial Interest Rate:
5.43% 
Interest Reset Period:
None 
Interest Reset Dates:
None 
Interest Determination Date:
None 
Interest Payment Dates:
 The 22nd of each June and December, commencing on June 22, 2004 and ending with the interest payment on the Stated Maturity Date.
May the Notes be redeemed by the Corporation prior to maturity? 
    No
. 
May the Notes be repaid prior to maturity at the option of the holder? 
     No
 Discount Note?                                      No