SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 12b-25

                                                Commission File Number    1-6214
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                           NOTIFICATION OF LATE FILING

     (Check One):  [   ] Form 10-K   [   ] Form 11-K   [   ] Form 20-F
[ X ] Form 10-Q   [   ] Form N-SAR

For Period Ended:    September 30, 1998
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[ ] Transition Report on Form 10-K     [ ] Transition Report on Form 10-Q
[ ] Transition Report on Form 20-F     [ ] Transition Report on Form N-SAR
[ ] Transition Report on Form 11-K

For the Transition Period Ended:
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  READ ATTACHED INSTRUCTION SHEET BEFORE PREPARING FORM. PLEASE PRINT OR TYPE.

         Nothing in this form shall be construed to imply that the Commission
has verified any information contained herein.

         If the notification relates to a portion of the filing checked above,
identify the Item(s) to which the notification relates:        Not applicable
                                                       ------------------------
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                         PART I. REGISTRANT INFORMATION

Full name of registrant     WFC HOLDINGS CORPORATION
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Former name of applicant    WELLS FARGO & COMPANY
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Address of principal executive office (STREET AND NUMBER)

                              420 Montgomery Street
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City, State and Zip Code   San Francisco, California  94163
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                        PART II. RULE 12b-25 (b) AND (c)

         If the subject report could not be filed without unreasonable effort or
expense and the registrant seeks relief pursuant to Rule 12b-25(b), the
following should be completed. (Check box if appropriate.)

[ X ] (a) The reasons described in reasonable detail in Part III of this
      form could not be eliminated without unreasonable effort or expense;

[ X ] (b) The subject annual report, semi-annual report, transition report on
      Form 10-K, 20-F, 11-K or Form N-SAR, or portion thereof will be filed
      on or before the 15th calendar day following the prescribed due date;
      or the subject quarterly report or transition report on Form 10-Q, or
      portion thereof will be filed on or before the fifth calendar day
      following the prescribed due date; and

[   ] (c) The accountant's statement or other exhibit required by Rule
      12b-25(c) has been attached if applicable.


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                               PART III. NARRATIVE

         State below in reasonable detail the reasons why Form 10-K, 11-K, 20-F,
10-Q, N-SAR or the transition report portion thereof could not be filed within
the prescribed time period. (Attach extra sheets if needed).

         Effective November 2, 1998, Wells Fargo & Company, the predecessor to
the Registrant, merged with and into the Registrant, with the Registrant
continuing its corporate existence as the surviving corporation of the merger.
The Registrant did not anticipate filing a report on Form 10-Q for the period
ended September 30, 1998 until November 12, 1998 and, accordingly, such report
could not be filed within the prescribed time period without unreasonable effort
and expense.

         In accordance with Rule 12(b)-25(b)(2) of the Securities Exchange Act
of 1934, as amended, and pursuant to Part II(b) of this Form 12b-25, the
Registrant undertakes to file its Form 10-Q within 5 calendar days following the
Form 10-Q's prescribed due date.

                           PART IV. OTHER INFORMATION

         (1)      Name and telephone number of person to contact in regard to
this notification

               Alison Becker                      415-396-5064
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                 (Name)                   (Area code)    (Telephone number)

         (2) Have all other periodic reports required under Section 13 or 15(d)
of the Securities Exchange Act of 1934 or Section 30 of the Investment Company
Act of 1940 during the preceding 12 months or for such shorter period that the
registrant was required to file such report(s) been filed? If the answer is no,
identify report(s).

                                                       [ X ]  Yes     [   ]  No

         (3) Is it anticipated that any significant change in results of
operations from the corresponding period for the last fiscal year will be
reflected by the earnings statements to be included in the subject report or
portion thereof?

                                                       [   ]  Yes     [ X ]  No

         If so: attach an explanation of the anticipated change, both
narratively and quantitatively, and, if appropriate, state the reasons why a
reasonable estimate of the results cannot be made.

                            WFC HOLDINGS CORPORATION
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                  (Name of registrant as specified in Charter)

Has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.

Date:  November 17, 1998            By /s/ Les Quock
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                                    Name and Title:  Les Quock, Senior Vice
                                                     President and Controller


                                    ATTENTION

         Intentional misstatements or omissions of fact constitute Federal
criminal violations (SEE 18 U.S.C. 1001).


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