<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
FINANCIAL STATEMENTS OF WACHOVIA FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1995, 
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       2,516,429
<INT-BEARING-DEPOSITS>                         419,555
<FED-FUNDS-SOLD>                               347,962
<TRADING-ASSETS>                             1,065,949
<INVESTMENTS-HELD-FOR-SALE>                  4,248,296
<INVESTMENTS-CARRYING>                       4,388,758
<INVESTMENTS-MARKET>                         4,513,177
<LOANS>                                     29,012,252
<ALLOWANCE>                                    408,684
<TOTAL-ASSETS>                              44,101,105
<DEPOSITS>                                  25,283,015
<SHORT-TERM>                                 9,087,523
<LIABILITIES-OTHER>                          1,102,712
<LONG-TERM>                                  5,010,213
<COMMON>                                       851,628
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   2,766,014
<TOTAL-LIABILITIES-AND-EQUITY>              44,101,105
<INTEREST-LOAN>                              1,769,174
<INTEREST-INVEST>                              411,912
<INTEREST-OTHER>                                47,281
<INTEREST-TOTAL>                             2,228,367
<INTEREST-DEPOSIT>                             587,089
<INTEREST-EXPENSE>                           1,154,483
<INTEREST-INCOME-NET>                        1,073,884
<LOAN-LOSSES>                                   73,619
<SECURITIES-GAINS>                             (26,048)
<EXPENSE-OTHER>                                888,531
<INCOME-PRETAX>                                658,523
<INCOME-PRE-EXTRAORDINARY>                     456,345
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   456,345
<EPS-PRIMARY>                                     2.65
<EPS-DILUTED>                                     2.64
<YIELD-ACTUAL>                                    4.21
<LOANS-NON>                                     57,524
<LOANS-PAST>                                    47,058
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               406,132
<CHARGE-OFFS>                                   96,171
<RECOVERIES>                                    25,104
<ALLOWANCE-CLOSE>                              408,684
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0