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                    SECURITIES AND EXCHANGE COMMISSION
                           WASHINGTON, DC 20549

                                 FORM 10-K/A

           Annual Report Pursuant to Section 13 or 15(d) of the
                    Securities and Exchange Act of 1934
                for the fiscal year ended December 31, 1994
                        Commission File No. 1-4629

                     GOLDEN WEST FINANCIAL CORPORATION                     
          (Exact name of registrant as specified in its charter)

                  Delaware                                  95-2080059     
(State or other jurisdiction of incorporation            (I.R.S. Employer
or organization)                                        Identification No.)

   1901 Harrison Street, Oakland, California                   94612       
  (Address of principal executive offices)                   (Zip Code)

Registrant's telephone number, including area code:       (510) 446-3420   

Securities registered pursuant to Section 12(b) of the Act: 

       Title of each class        Name of each exchange on which registered
Common Stock, $.10 par value      New York Stock Exchange, Inc., Pacific 
                                  Stock Exchange, Inc.

Securities registered pursuant to Section 12(g) of the Act: NONE

     Indicate by check mark whether the Registrant (1) has filed all 
reports required to be filed by Section 13 or 15(d) of the Securities 
Exchange Act of 1934 during the preceding 12 months (or for such shorter 
period that the Registrant was required to file such reports), and (2) has 
been subject to such filing requirements for the past 90 days.  YES  X   
NO ___

     Indicate by check mark if disclosure of delinquent filers pursuant to 
Item 405 of Regulation S-K is not contained herein, and will not be 
contained, to the best of Registrant's knowledge, in definitive proxy or 
information statements incorporated by reference in Part III of this Form 
10-K or any amendment to this Form 10-K.  [ ]

     The approximate aggregate market value of the Registrant's common 
stock held by nonaffiliates of the Registrant on February 28, 1995, was 
$2,233,347,441.  The number of shares outstanding of the Registrant's 
common stock on February 28, 1995, was 58,579,605 shares.

                    DOCUMENTS INCORPORATED BY REFERENCE

Documents Incorporated by Reference            Applicable Part of Form 10-K
Proxy Statement Dated March 10, 1995,                    Part III
Furnished to Stockholders in Connection
with Registrant's Annual Meeting of
Stockholders.

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  Exhibit 23(a) is amended as attached.

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                                                                  EXHIBIT 23(a)



                            INDEPENDENT AUDITORS' CONSENT


Board of Directors and Stockholders
Golden West Financial Corporation
Oakland, California

          We consent to the incorporation by reference in Post-Effective 
Amendment No. 2 to Registration Statement No. 2-66913 on Form S-8, Registration
Statement No. 33-14833 on Form S-8, Registration Statement No. 33-29286 on Form 
S-3, Registration Statement No. 33-40572 on Form S-8, Registration Statement 
No. 33-48976 on Form S-3, and Registration Statement No. 33-57882 on Form S-3 
of our report dated January 23, 1995 appearing in this Annual Report on 
Form 10-K of Golden West Financial Corporation for the year ended December 31, 
1994.


Deloitte and Touche LLP
Oakland, California
March 22, 1995