<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>