As filed with the Securities and Exchange Commission on January 18, 2005.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported):

January 18, 2005

BANK OF AMERICA CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

(State or other jurisdiction of incorporation)

1-6523

(Commission File Number)

56-0906609

(IRS Employer Identification No.)

100 North Tryon Street

Charlotte, North Carolina

(Address of principal executive offices)

28255

(Zip Code)

704.386.8486

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On January 18, 2005, Bank of America Corporation (the “Registrant”) announced financial results for the fourth quarter and year ended December 31, 2004, reporting for the quarter net income of $3.85 billion and diluted earnings per common share of $0.94 and for the year net income of $14.1 billion and diluted earnings per common share of $3.69. A copy of the press release announcing the Registrant’s results for the fourth quarter and year ended December 31, 2004 is attached hereto as Exhibit 99.1 and incorporated by reference herein.

ITEM 7.01. REGULATION FD DISCLOSURE.

On January 18, 2005, the Registrant held an investor conference and webcast to disclose financial results for the fourth quarter and year ended December 31, 2004. The Supplemental Information package for use at this conference is furnished herewith as Exhibit 99.2 and incorporated by reference in Item 7.01. The Script prepared for use at the conference by Kenneth D. Lewis, President and Chief Executive Officer, and Marc D. Oken, Chief Financial Officer, is furnished herewith as Exhibit 99.3 and incorporated by reference in Item 7.01. All information in the Supplemental Information package and Script is presented as of December 31, 2004, and the Registrant does not assume any obligation to correct or update said information in the future.

The information in the proceeding paragraph, as well as Exhibit 99.2 and Exhibit 99.3 referenced therein shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in filings under the Securities Act of 1933.

ITEM 8.01. OTHER EVENTS.

On January 18, 2005, the Registrant announced financial results for the fourth quarter and year ended December 31, 2004, reporting for the quarter net income of $3.85 billion and diluted earnings per common share of $0.94 and for the year net income of $14.1 billion and diluted earnings per common share of $3.69. A copy of the press release announcing the Registrant’s results for the fourth quarter and year ended December 31, 2004 is attached hereto at Exhibit 99.1 and incorporated by reference herein.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits.

The following exhibits are filed herewith:

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 18, 2005

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