Exhibit 99.3



November 16, 2001

Reporters may contact:
Eloise Hale, Bank of America, 704.387.0013
eloise.hale@bankofamerica.com


                Bank of America to host conference for investors


CHARLOTTE, NC -- Bank of America Corporation will host a conference for
investors in Charlotte, North Carolina on November 27-28, 2001. The company will
discuss their corporate and line of business strategy as well as their long-term
financial goals.

A live webcast of the presentations, in addition to accompanying slides, will be
available at www.bankofamerica.com/investor. A replay of the webcast will be
available on the site for two weeks.

About Bank of America
One of the world's leading financial services companies, Bank of America is
committed to making banking work for customers like it never has before. Through
innovative technologies and the ingenuity of its people, Bank of America
provides individuals, small businesses and commercial, corporate and
institutional clients across the United States and around the world new and
better ways to manage their financial lives.

Bank of America stock (ticker: BAC) is listed on the New York, Pacific and
London stock exchanges. The company's Web site is www.bankofamerica.com. News,
speeches and other corporate information can be found at
www.bankofamerica.com/newsroom.
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