X0201 4 2004-02-20 0 0000070858 BANK OF AMERICA CORP /DE/ BAC 0001189895 TAYLOR R EUGENE BANK OF AMERICA CORPORATION NC1-007-57-10 CHARLOTTE NC 28255 0 1 0 0 Pres, Consumer and Comml Bkg Common Stock 2004-02-20 4 S 0 4600.00 81.08 D 86763.00 D Common Stock 2004-02-20 4 S 0 900.00 81.09 D 85863.00 D Common Stock 2004-02-20 4 S 0 3700.00 81.11 D 82163.00 D Common Stock 2004-02-20 4 S 0 300.00 81.12 D 81863.00 D Common Stock 2004-02-20 4 S 0 1400.00 81.13 D 80463.00 D Common Stock 2004-02-20 4 S 0 2200.00 81.17 D 78263.00 D Common Stock 2004-02-20 4 S 0 1300.00 81.18 D 76963.00 D Common Stock 2004-02-20 4 S 0 1600.00 81.20 D 75363.00 D Common Stock 2004-02-20 4 S 0 3500.00 81.21 D 71863.00 D Common Stock 2004-02-20 4 S 0 3200.00 81.23 D 68663.00 D Common Stock 2004-02-20 4 S 0 2500.00 81.25 D 66163.00 D Common Stock 2004-02-20 4 S 0 2700.00 81.28 D 63463.00 D Common Stock 2004-02-20 4 S 0 1800.00 81.36 D 61663.00 D Common Stock 1618.71 I Thrift Trust Option exercise and sale of shares in accordance with a written plan established January 20, 2004 pursuant to the requirements of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended. This is the second of two filings required to report the transactions associated with an option exercise and sale of shares under Rule 10b5-1 of the Securities Exchange Act of 1934, as amended. R. Eugene Taylor/Roger C. McClary POA 2004-02-23