<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary information extracted from the March 31,
     2000 Form 10-Q for Bank of America Corporation and is qualified in its
     entirety by reference to such financial statements.
</LEGEND>


                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                         27,259
<INT-BEARING-DEPOSITS>                          3,250
<FED-FUNDS-SOLD>                               39,801
<TRADING-ASSETS>                               47,321
<INVESTMENTS-HELD-FOR-SALE>                    82,557
<INVESTMENTS-CARRYING>                          1,294
<INVESTMENTS-MARKET>                            1,181
<LOANS>                                       382,085
<ALLOWANCE>                                    (6,827)
<TOTAL-ASSETS>                                656,113
<DEPOSITS>                                    351,626
<SHORT-TERM>                                  152,834
<LIABILITIES-OTHER>                            44,295
<LONG-TERM>                                    62,059
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                        77
<COMMON>                                       10,828
<OTHER-SE>                                     34,394
<TOTAL-LIABILITIES-AND-EQUITY>                656,113
<INTEREST-LOAN>                                 7,394
<INTEREST-INVEST>                               1,331
<INTEREST-OTHER>                                1,361
<INTEREST-TOTAL>                               10,086
<INTEREST-DEPOSIT>                              2,495
<INTEREST-EXPENSE>                              5,562
<INTEREST-INCOME-NET>                           4,524
<LOAN-LOSSES>                                     420
<SECURITIES-GAINS>                                  6
<EXPENSE-OTHER>                                 4,623
<INCOME-PRETAX>                                 3,533
<INCOME-PRE-EXTRAORDINARY>                      3,533
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,240
<EPS-BASIC>                                    1.34
<EPS-DILUTED>                                    1.33
<YIELD-ACTUAL>                                   3.27
<LOANS-NON>                                     3,302
<LOANS-PAST>                                      461
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                6,828
<CHARGE-OFFS>                                     570
<RECOVERIES>                                      150
<ALLOWANCE-CLOSE>                               6,827
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0