content: <PAGE>
  
  
                         SECURITIES AND EXCHANGE COMMISSION
                               Washington, D.C. 20549
  
  
                                      FORM 8-K
  
  
                CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                           SECURITIES EXCHANGE ACT OF 1934
  
  
                  Date of Report (Date of earliest event reported):
                                   August 30, 2001
  
  
                                WACHOVIA CORPORATION
               (Exact name of registrant as specified in its charter)
  
  
  
  
        NORTH CAROLINA                   No. 1-9021              No. 56-1473727
  (State or other jurisdiction    (Commission File Number)        (IRS Employer
        of incorporation)                                      Identification No.)
  
  
                   100 North Main Street, Winston-Salem, NC 27101
                     191 Peachtree Street NE, Atlanta, GA 30303
                      (Address of principal executive offices)
  
  
                 Registrant's telephone number, including area code:
                             Winston-Salem 336-770-5000
                                Atlanta 404-332-5000
  
  
                                   Not applicable.
            (Former name or former address, if changed since last report)
  
  
  
  
  
  
  <PAGE>
  
  
  Item 5.           Other Events
  
                    On July 27, 2001, Wachovia Corporation completed the sale of
                    its consumer credit card portfolio to Bank One Corporation.
                    Wachovia's financial statements and footnotes, as included in
                    its Annual Report on Form 10-K for the year ended December 31,
                    2000, have been restated to present the consumer credit card
                    business as discontinued operations. The restated financial
                    statements are included herein as Exhibit 99.1.
  
  Item 7.           Exhibits.
  
                    23       Consent of Ernst & Young LLP
  
                    99.1     Restated financial statements and footnotes referred
                             to in Item 5.
  
  
  
  
  
                                      SIGNATURE
  
  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 hereunto duly authorized.
  
                                       WACHOVIA CORPORATION
  
  
                                       By: /s/ Robert S. McCoy, Jr.
                                          ------------------------------------
                                          Name: Robert S. McCoy, Jr.
                                          Title: Vice Chairman and Chief
                                                 Financial Officer
  
  
  Date:  August 30, 2001
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "d8k.txt", "description": "WACHOVIA", "secsgml_size_bytes": 2721}]
metadata_filer: {"company-data": {"conformed-name": "WACHOVIA CORP/ NC", "cik": "0000774203", "assigned-sic": "6021", "irs-number": "561473727", "state-of-incorporation": "NC", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-09021", "film-number": "1727957"}, "business-address": {"street1": "100 N MAIN ST", "street2": "P O BOX 3099", "city": "WINSTON SALEM", "state": "NC", "zip": "27101", "phone": "3367705000"}, "mail-address": {"street1": "100 NORTH MAIN ST", "street2": "P O BOX 3099", "city": "WINSTON SALEM", "state": "NC", "zip": "27101"}, "former-company": {"former-conformed-name": "FIRST WACHOVIA CORP", "date-changed": "19910603"}}
text: SECURITIES AND EXCHANGE COMMISSION
                               Washington, D.C. 20549
  
                                      FORM 8-K
  
                CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                           SECURITIES EXCHANGE ACT OF 1934
  
                  Date of Report (Date of earliest event reported):
                                   August 30, 2001
  
                                WACHOVIA CORPORATION
               (Exact name of registrant as specified in its charter)
  
        NORTH CAROLINA                   No. 1-9021              No. 56-1473727
  (State or other jurisdiction    (Commission File Number)        (IRS Employer
        of incorporation)                                      Identification No.)
  
                   100 North Main Street, Winston-Salem, NC 27101
                     191 Peachtree Street NE, Atlanta, GA 30303
                      (Address of principal executive offices)
  
                 Registrant's telephone number, including area code:
                             Winston-Salem 336-770-5000
                                Atlanta 404-332-5000
  
                                   Not applicable.
            (Former name or former address, if changed since last report)
  Item 5.           Other Events
  
                    On July 27, 2001, Wachovia Corporation completed the sale of
                    its consumer credit card portfolio to Bank One Corporation.
                    Wachovia's financial statements and footnotes, as included in
                    its Annual Report on Form 10-K for the year ended December 31,
                    2000, have been restated to present the consumer credit card
                    business as discontinued operations. The restated financial
                    statements are included herein as Exhibit 99.1.
  
  Item 7.           Exhibits.
  
                    23       Consent of Ernst & Young LLP
  
                    99.1     Restated financial statements and footnotes referred
                             to in Item 5.
  
                                      SIGNATURE
  
  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 hereunto duly authorized.
  
                                       WACHOVIA CORPORATION
  
                                       By: /s/ Robert S. McCoy, Jr.
                                          ------------------------------------
                                          Name: Robert S. McCoy, Jr.
                                          Title: Vice Chairman and Chief
                                                 Financial Officer
  
  Date:  August 30, 2001