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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549


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                                    FORM 8-K

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                                 CURRENT REPORT
                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

         Date of Report (Date of earliest event reported): July 20, 2005


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                        GOLDEN WEST FINANCIAL CORPORATION

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                          Commission file number 1-4629

               Incorporated Pursuant to the Laws of Delaware State

                   IRS Employer Identification No. 95-2080059

                 1901 Harrison Street, Oakland, California 94612
                                 (510) 446-3420











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Item 7.01. Regulation FD Disclosure.

     The following information is furnished under Item 2.02 (Results of
Operations and Financial Condition).

     Exhibit No.         Exhibit
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            99.1         Second Quarter 2005 Earnings Press Release

            99.2         June 2005 Thirteen Month Statistical Data Press Release







                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                       GOLDEN WEST FINANCIAL CORPORATION


Dated: July 20, 2005                   By: /s/ Russell W. Kettell
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                                           Russell W. Kettell
                                           President and
                                           Chief Financial Officer