Exhibit 12(a).


Wells Fargo & Company and Subsidiaries
formerly known as Norwest Corporation and Subsidiaries    
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Unaudited)


                Nine Months Ended                 
                September 30,                Year Ended  December 31,      
In      
thousands      1998      1997      1997      1996      1995      1994      1993
                                                   
Computation of 
 Income:
  Income 
  before
  income 
  taxes  $1,701,627 1,524,069 2,049,726 1,781,509 1,422,814 1,180,601   879,755
Capitalized 
  interest        -         -       (22)      (14)     (112)      (69)      (65)
 Income 
  before 
  income
  taxes and 
  capitalized
  inter-
  est     1,701,627 1,524,069 2,049,704 1,781,495 1,422,702 1,180,532   879,690
 Fixed 
  charges 2,234,327 2,032,875 2,734,466 2,685,447 2,503,603 1,640,049 1,485,936
 Total 
  income 
  for
  compu-
  tation $3,935,954 3,556,944 4,784,170 4,466,942 3,926,305 2,820,581 2,365,626
 Total 
  income for
  computation 
  excluding 
  interest 
  on deposits
  from 
  fixed 
  char-
  ges    $2,815,133 2,481,532 3,337,488 3,142,024 2,770,005 1,957,224 1,513,317

Computation of 
 Fixed
 Charges:
 Net 
  rental
  expense 
  (a)    $  175,203   155,309   211,191   205,409   166,591   149,462   128,573
 Portion 
  of rentals
  deemed 
  repre-
  sentative
  of 
  inter-
  est    $   58,401    51,770    70,397    68,470    55,530    49,821    42,858
 Interest:
  Interest 
   on
   dep-
   osits  1,120,821 1,075,412 1,446,682 1,324,918 1,156,300   863,357   852,309
  Interest
   on 
   federal 
   funds
   and other 
   short-term
   borr-
   owings   466,718   327,062   439,492   454,013   515,646   290,211   238,046
  Interest
   on
   long-term
   debt     588,387   578,631   777,873   838,032   776,015   436,591   352,658
  Capitalized
   interest       -         -        22        14       112        69        65
  Total 
   inter-
   est    2,175,926 1,981,105 2,664,069 2,616,977 2,448,073 1,590,228 1,443,078
 Total 
  fixed
  char-
  ges    $2,234,327 2,032,875 2,734,466 2,685,447 2,503,603 1,640,049 1,485,936
 Total 
  fixed
  charges 
  excluding
  interest 
  on dep-
  osits  $1,113,506   957,463 1,287,784 1,360,529 1,347,303   776,692   633,627
Ratio of 
Income
 to Fixed Charges:
 Excluding
  interest on
  deposits     2.53x     2.59      2.59      2.31      2.06      2.52      2.39
 Including
  interest on
  deposits     1.76x     1.75      1.75      1.66      1.57      1.72      1.59


(a) Includes equipment rentals.