SEC FORM 3

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

NEIL COTTY

(Last)

(First)

(Middle)

BANK OF AMERICA CORPORATION

NC1-007-19-12

(Street)

CHARLOTTE

28255

(City)

(State)

(Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
04/02/2004

3. Issuer Name and Ticker or Trading Symbol
BANK OF AMERICA CORP /DE/ [ BAC ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chief Accounting Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	5,035⁽¹⁾	D
Common Stock	876.13	I	Thrift Trust

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Preferred, Series C	⁽²⁾	⁽²⁾	Common Stock	156.96	⁽²⁾	D
Option, Right to Buy	⁽³⁾	02/01/2012	Common Stock	50,000	$61.36	D
Option, Right to Buy	⁽⁴⁾	02/02/2014⁽⁴⁾	Common Stock	40,000	$81.55	D
Option, Right to Buy	⁽⁵⁾	02/03/2013	Common Stock	50,000	$70.03	D
Option, Right to Buy	⁽⁶⁾	01/02/2008	Common Stock	15,000	$60.75	D
Option, Right to Buy	⁽⁷⁾	01/04/2009	Common Stock	21,000	$60.5	D

Explanation of Responses:

1. Includes 4,191 shares of restricted stock.

2. Each share of Series C Preferred stock is convertible into 1.68 shares of common stock of Bank of America Corporation.

3. The option vested 50% on June 23, 2003, and the remaining 50% vest if the stock price closes at or above $91.36 for ten consecuti ve trading days.

4. These options vest in three equal installments commencing February 2, 2005.

5. These options vest in three equal installments commencing February 3, 2004.

6. These options vested in three equal installments commencing January 2, 1999.

7. These options vested in three equal installments commencing January 4, 2000.

Remarks:

	Neil Cotty/Roger C. McClary POA	04/08/2004
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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