<ARTICLE> 9 <LEGEND> The schedule contains summary information extracted from the March 31, 1999 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-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 25,925 <INT-BEARING-DEPOSITS> 5,615 <FED-FUNDS-SOLD> 26,751 <TRADING-ASSETS> 42,382 <INVESTMENTS-HELD-FOR-SALE> 76,947 <INVESTMENTS-CARRYING> 1,522 <INVESTMENTS-MARKET> 1,466 <LOANS> 363,102 <ALLOWANCE> (7,123) <TOTAL-ASSETS> 614,245 <DEPOSITS> 343,317 <SHORT-TERM> 130,966 <LIABILITIES-OTHER> 42,232 <LONG-TERM> 50,899 <PREFERRED-MANDATORY> 0 <PREFERRED> 81 <COMMON> 15,828 <OTHER-SE> 30,922 <TOTAL-LIABILITIES-AND-EQUITY> 614,245 <INTEREST-LOAN> 6,770 <INTEREST-INVEST> 1,175 <INTEREST-OTHER> 1,256 <INTEREST-TOTAL> 9,201 <INTEREST-DEPOSIT> 2,313 <INTEREST-EXPENSE> 4,601 <INTEREST-INCOME-NET> 4,600 <LOAN-LOSSES> 510 <SECURITIES-GAINS> 130 <EXPENSE-OTHER> 4,453 <INCOME-PRETAX> 2,990 <INCOME-PRE-EXTRAORDINARY> 2,990 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,914 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.08 <YIELD-ACTUAL> 3.58 <LOANS-NON> 2,838 <LOANS-PAST> 571 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,122 <CHARGE-OFFS> 666 <RECOVERIES> 147 <ALLOWANCE-CLOSE> 7,123 <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 Form 10-K and are therefore not included in this Financial Data Schedule. </FN>