SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                           --------------------------

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                Date of Report (Date of earliest event reported):
                                  July 15, 2002

                           BANK OF AMERICA CORPORATION
             (Exact name of registrant as specified in its charter)

                                    Delaware
         (State or other jurisdiction of incorporation or organization)

                                     1-6523
                            (Commission File Number)

                                   56-0906609
                        (IRS Employer Identification No.)

                             100 North Tryon Street
                            Charlotte, North Carolina
                    (Address of principal executive offices)

                                      28255
                                   (Zip Code)

                                 (800) 299-2265
              (Registrant's telephone number, including area code)



ITEM 5.   OTHER EVENTS.

On July 15, 2002, Bank of America Corporation (the "Registrant") announced
financial results for the second quarter ended June 30, 2002, reporting earnings
of $2.22 billion and diluted earnings per common share of $1.40. A copy of the
press release announcing the Registrant's results for the second quarter ended
June 30, 2002 is attached hereto as Exhibit 99.1 and incorporated by reference
herein.


ITEM 7.   FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

     The following exhibits are filed herewith:

EXHIBIT NO.                DESCRIPTION OF EXHIBIT

99.1         Press Release dated July 15, 2002 with respect to the Registrant's
             financial results for the second quarter ended June 30, 2002

99.2         Supplemental Information prepared for use on July 15, 2002 in
             connection with financial results for the second quarter ended June
             30, 2002


ITEM 9.   REGULATION FD DISCLOSURE.

On July 15, 2002, the Registrant held an investor conference and webcast to
disclose financial results for the second quarter ended June 30, 2002. The
Supplemental Information package for use at this conference is furnished
herewith as Exhibit 99.2 and incorporated by reference in Item 9. All
information in the Supplemental Information is presented as of July 15, 2002,
and the Registrant does not assume any obligation to correct or update said
information in the future.



                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.




                                    BANK OF AMERICA CORPORATION



                                    By:  /s/ Marc D. Oken
                                       -----------------------------------------
                                             Marc D. Oken
                                             Executive Vice President and
                                               Principal Financial Executive




Dated: July 15, 2002



                                  EXHIBIT INDEX

EXHIBIT NO.      DESCRIPTION OF EXHIBIT

99.1             Press Release dated July 15, 2002 with respect to the
                 Registrant's financial results for the second quarter ended
                 June 30, 2002

99.2             Supplemental Information prepared for use on July 15, 2002 in
                 connection with financial results for the second quarter ended
                 June 30, 2002