<ARTICLE> 9
<CIK> 0000774203
<NAME> WACHOVIA CORPORATION
<MULTIPLIER> 1000
<CURRENCY> US

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                       3,110,827
<INT-BEARING-DEPOSITS>                          92,156
<FED-FUNDS-SOLD>                               803,065
<TRADING-ASSETS>                               791,419
<INVESTMENTS-HELD-FOR-SALE>                  8,299,719
<INVESTMENTS-CARRYING>                       1,324,588
<INVESTMENTS-MARKET>                         1,354,480
<LOANS>                                     48,428,086
<ALLOWANCE>                                    548,540
<TOTAL-ASSETS>                              67,013,469
<DEPOSITS>                                  40,815,519
<SHORT-TERM>                                10,355,547
<LIABILITIES-OTHER>                          1,900,187
<LONG-TERM>                                  8,515,499
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,011,153
<OTHER-SE>                                   4,415,564
<TOTAL-LIABILITIES-AND-EQUITY>              67,013,469
<INTEREST-LOAN>                              1,944,028
<INTEREST-INVEST>                              301,431
<INTEREST-OTHER>                                31,532
<INTEREST-TOTAL>                             2,276,991
<INTEREST-DEPOSIT>                             615,792
<INTEREST-EXPENSE>                           1,051,913
<INTEREST-INCOME-NET>                        1,225,078
<LOAN-LOSSES>                                  155,161
<SECURITIES-GAINS>                              10,687
<EXPENSE-OTHER>                              1,072,815
<INCOME-PRETAX>                                745,602
<INCOME-PRE-EXTRAORDINARY>                     490,786
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   490,786
<EPS-BASIC>                                       2.41
<EPS-DILUTED>                                     2.37
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                    209,550
<LOANS-PAST>                                    99,486
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               548,302
<CHARGE-OFFS>                                   90,207
<RECOVERIES>                                    15,881
<ALLOWANCE-CLOSE>                              548,540
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>


<FN>
<F1> *** Available at Year-end only
</FN>