Annual Report (Form 10-K), fiscal year 1994















Item 10. Directors and Executive Officers of the Registrant - ------------------------------------------------------------
The names, ages and positions of the executive officers of Wachovia as of January 31, 1995 are shown below along with their business experience during the past five years and the year of their employment with Wachovia and subsidiaries. Officers are elected annually by the Board of Directors and hold office for one year or until their successors are chosen and qualified. There are no family relationships between any of them, nor is there any arrangement or understanding between any officer and any other person pursuant to which the officer was selected.
Item 10. Directors and Executive Officers of the Registrant (continued) - ------------------------------------------------------------------------
Item 10. Directors and Executive Officers of the Registrant (continued) - -------------------------------------------------------------------------
During the past five years, there have been no events under any bankruptcy act, no criminal proceedings and no judgements or injunctions material to an evaluation of the ability or integrity of any of Wachovia's executive officers, directors, or any persons nominated to become directors.
PART IV
Item 14.




Item 14. Exhibits
Item 14. Exhibits (Continued)
Item 14. Exhibits (Continued)
Item 14. Exhibits (Continued)
Item 14. Exhibits (Continued) --------------------
* Incorporated by reference.