Bank of America Pricing Supplement No. 95

Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement Number 95 Dated Monday, December 22, 2003
(To: Prospectus Dated August 20, 2002)

CUSIP
Number

Aggregate Principal Amount

Price to Public

Gross
Concession

Net
Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1^st Coupon Date

1^st
Coupon Amount

Survivor's Option

Product
Ranking

06050XNS8

$18,260,000.00

100.000%

1.500%

$17,986,100.00

Fixed

5.000%

Semi-Annual

12/15/2013

06/15/2004

$23.47

YES

Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 12/15/2005 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 12/15/2005 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.

Redemption Information: Callable at 100.000% on 12/15/2006 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 12/15/2006 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.

Redemption Information: Callable at 100.000% on 12/15/2008 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 12/15/2008 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, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Capital Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, UBS Financial Services Inc.

Trade Date: Monday, December 22, 2003 @12:00 PM ET
Settlement Date: Friday, December 26, 2003
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: 0443 via Pershing, 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

Recent Developments
On October 14, 2003, we reported earnings for the quarter ended September 30, 2003. The press release containing that information was filed with the SEC on our Current Report on Form 8-K (the "Form 8-K") dated October 14, 2003. The same day, we filed a second Form 8-K describing pending litigation and regulatory matters arising from trading in mutual funds in the Nations Funds family. On October 27, 2003, we announced that we have entered into an Agreement and Plan of Merger dated as of October 27, 2003 with FleetBoston Financial Corporation, providing for the merger of FleetBoston with and into us (the "FleetBoston Merger"). We have filed additional information concerning the FleetBoston Merger on Form 8-K's dated October 27, 2003, October 28, 2003, November 5, 2003, and December 5, 2003, and expect to file additional information with the SEC in the future. Each of these Form 8-K's contains additional information and is incorporated by reference into this pricing supplement. Copies of the Form 8-K's are available over the Internet at the SEC's home page at http://www.sec.gov.