<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF WACHOVIA CORPORATION FOR THE SIX MONTHS ENDED JUNE 30,
1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<EXCHANGE-RATE>                                      1
<CASH>                                       2,629,502
<INT-BEARING-DEPOSITS>                           5,893
<FED-FUNDS-SOLD>                                14,571
<TRADING-ASSETS>                             1,086,599
<INVESTMENTS-HELD-FOR-SALE>                  4,455,755
<INVESTMENTS-CARRYING>                       4,514,837
<INVESTMENTS-MARKET>                         4,651,867
<LOANS>                                     28,251,059
<ALLOWANCE>                                    408,633
<TOTAL-ASSETS>                              42,867,479
<DEPOSITS>                                  23,891,812
<SHORT-TERM>                                 9,393,201
<LIABILITIES-OTHER>                            981,427
<LONG-TERM>                                  5,065,726
<COMMON>                                       852,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   2,683,313
<TOTAL-LIABILITIES-AND-EQUITY>              42,867,479
<INTEREST-LOAN>                              1,153,632
<INTEREST-INVEST>                              259,504
<INTEREST-OTHER>                                28,747
<INTEREST-TOTAL>                             1,441,883
<INTEREST-DEPOSIT>                             369,842
<INTEREST-EXPENSE>                             735,566
<INTEREST-INCOME-NET>                          706,317
<LOAN-LOSSES>                                   50,440
<SECURITIES-GAINS>                             (26,365)
<EXPENSE-OTHER>                                589,649
<INCOME-PRETAX>                                442,285
<INCOME-PRE-EXTRAORDINARY>                     305,065
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   305,065
<EPS-PRIMARY>                                     1.77
<EPS-DILUTED>                                     1.77
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                     57,918
<LOANS-PAST>                                    49,004
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               406,132
<CHARGE-OFFS>                                   62,880
<RECOVERIES>                                    14,941
<ALLOWANCE-CLOSE>                              408,633
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0