ACCOUNTANTS CONSENT
Published on March 27, 2002
Exhibit 23
CONSENT OF INDEPENDENT ACCOUNTANTS
We hereby consent to the incorporation by reference in the Registration
Statements on Form S-3 (Nos. 333-47222; 333-70984; 333-65750; 333-64450;
333-83503; 333-07229; 333-15375; 333-18273; 333-43137; 333-51367; 33-54784;
33-57533; 33-63097 and 33-45498); the Registration Statements on Form S-8 (Nos.
333-53644; 33-45279; 33-60695; 333-02875; 333-58657; 333-65209; 333-81810;
333-53664; 333-69849 and 2-80406); and the Post-Effective Amendments on Form S-8
to Registration Statements on Form S-4(Nos. 33-43125; 33-55145; 33-63351;
33-62069; 33-62208; 333-16189; 333-60553; and 333-40515) of Bank of America
Corporation of our report dated January 18, 2002, which appears in the Annual
Report to Shareholders, which is incorporated in this Annual Report on Form
10-K.
/s/ PricewaterhouseCoopers LLP
Charlotte, North Carolina
March 22, 2002