Bank of America's corporate center, right, is shown in downtown Charlotte, N.C., Friday, July 28, 2000. Bank of America and FleetBoston Financial Corp. won approval from the Federal Reserve on Monday, March 8, 2004, for a merger creating the third-largest U.S. bank, a behemoth holding nearly $1 trillion in assets and stretching from California through the South and up to New England. (AP Photo/Chuck Burton)