<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF WACHOVIA FOR THE PERIOD ENDED SEPTEMBER 30, 1994,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY>   U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1993
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               SEP-30-1994
<EXCHANGE-RATE>                                      1
<CASH>                                       2,508,241
<INT-BEARING-DEPOSITS>                           5,758
<FED-FUNDS-SOLD>                               199,386
<TRADING-ASSETS>                               745,000
<INVESTMENTS-HELD-FOR-SALE>                  3,688,984
<INVESTMENTS-CARRYING>                       3,972,867
<INVESTMENTS-MARKET>                         3,980,564
<LOANS>                                     24,967,716
<ALLOWANCE>                                    406,005
<TOTAL-ASSETS>                              38,134,285
<DEPOSITS>                                  22,255,695
<SHORT-TERM>                                 6,814,659
<LIABILITIES-OTHER>                          1,119,459
<LONG-TERM>                                  4,729,591
<COMMON>                                       853,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   2,361,081
<TOTAL-LIABILITIES-AND-EQUITY>              38,134,285
<INTEREST-LOAN>                              1,340,149
<INTEREST-INVEST>                              341,689
<INTEREST-OTHER>                                29,252
<INTEREST-TOTAL>                             1,711,090
<INTEREST-DEPOSIT>                             387,749
<INTEREST-EXPENSE>                             732,824
<INTEREST-INCOME-NET>                          978,266
<LOAN-LOSSES>                                   52,224
<SECURITIES-GAINS>                               1,226
<EXPENSE-OTHER>                                815,888
<INCOME-PRETAX>                                561,089
<INCOME-PRE-EXTRAORDINARY>                     396,932
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   396,932
<EPS-PRIMARY>                                     2.30
<EPS-DILUTED>                                     2.30
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                     89,184
<LOANS-PAST>                                    43,708
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               404,798
<CHARGE-OFFS>                                   75,133
<RECOVERIES>                                    24,116
<ALLOWANCE-CLOSE>                              406,005
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0