Memo From Lewis TK

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*BANK OF AMERICA EARNINGS PRESSURE WILL BE MORE INTENSE : S&P
*BANK OF AMERICA CUT BY S&P; L-T COUNTERPARTY TO A FROM A+
*BANK OF AMERICA'S BANK UNITS CUT TO A+/A-1 FROM AA-/A-1+ BY S&P
BAC: Bank of America: S&P Lowers Bank Of America Rating One Notch
*BANK OF AMERICA FDIC-GUARANTEED DEBT AFFIRMED AAA BY S&P
*BANK OF AMERICA RATING CUT TO A FROM A+ BY S&P; OUTLOOK NEG.

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