<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the September 30, 1999
Form 10-Q for Bank of America corporation and is qualified in its entirety by
reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         25,414
<INT-BEARING-DEPOSITS>                          4,846
<FED-FUNDS-SOLD>                               40,369
<TRADING-ASSETS>                               38,651
<INVESTMENTS-HELD-FOR-SALE>                    78,353
<INVESTMENTS-CARRYING>                          1,483
<INVESTMENTS-MARKET>                            1,294
<LOANS>                                       360,236
<ALLOWANCE>                                    (7,076)
<TOTAL-ASSETS>                                620,652
<DEPOSITS>                                    337,011
<SHORT-TERM>                                  138,697
<LIABILITIES-OTHER>                            44,703
<LONG-TERM>                                    54,352
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                        78
<COMMON>                                       13,538
<OTHER-SE>                                     32,273
<TOTAL-LIABILITIES-AND-EQUITY>                620,652
<INTEREST-LOAN>                                20,506
<INTEREST-INVEST>                               3,526
<INTEREST-OTHER>                                3,669
<INTEREST-TOTAL>                               27,701
<INTEREST-DEPOSIT>                              6,679
<INTEREST-EXPENSE>                             13,939
<INTEREST-INCOME-NET>                          13,762
<LOAN-LOSSES>                                   1,470
<SECURITIES-GAINS>                                226
<EXPENSE-OTHER>                                13,436
<INCOME-PRETAX>                                 9,355
<INCOME-PRE-EXTRAORDINARY>                      9,355
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    5,980
<EPS-BASIC>                                    3.45
<EPS-DILUTED>                                    3.37
<YIELD-ACTUAL>                                   3.52
<LOANS-NON>                                     2,810
<LOANS-PAST>                                      466
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                7,122
<CHARGE-OFFS>                                   1,938
<RECOVERIES>                                      439
<ALLOWANCE-CLOSE>                               7,076
<ALLOWANCE-DOMESTIC>                                0<F1>
<ALLOWANCE-FOREIGN>                                 0<F1>
<ALLOWANCE-UNALLOCATED>                             0<F1>
<FN>
<F1>Allowance-Domestic, Allowance-Foreign and Allowance-Unallocated are only disclosed on an annual
    basis in the Corporation's 10-K and are therefore not included in this Financial Data Schedule.

                                       58
</FN>