TRANSMITTAL LETTER
Central Fidelity Banks, Inc.
1021 East Cary Street
Richmond, Virginia 23219
(804) 782-4000
November 22, 1994
BY EDGAR SYSTEM
- ---------------
Securities and Exchange Commission
450 Fifth Street
Washington, D. C. 20549-1004
Attn: Filing Desk
Re: Central Fidelity Banks, Inc. Form 10-Q/A Filing
-----------------------------------------------
Ladies and Gentlemen:
Pursuant to the requirements of the Securities Exchange Act of 1934,
we are transmitting herewith the attached Form 10-Q/A for the quarter
ended September 30, 1994.
Sincerely,
Central Fidelity Banks, Inc.
/s/ Vivian Y. Woo
Vivian Y. Woo
Vice President and Assistant Controller
Enclosure
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 10-Q/A No. 1
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 1994
Commission file number 0-8829
CENTRAL FIDELITY BANKS, INC.
(Exact name of registrant as specified in its charter)
Virginia 54-1091649
(State of incorporation) (I.R.S. Employer
Indentification No.)
1021 East Cary Street 23219
Richmond, Virginia (Zip Code)
(Address of principal executive offices)
(804) 782-4000
(Registrant's telephone number, including area code)
Central Fidelity Banks, Inc. (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, and (2) has been subject to such filing
requirements for the past 90 days.
As of November 10, 1994, the latest practicable date, Central
Fidelity Banks, Inc. had 39,267,854 shares of its Common Stock
outstanding. This is the only class of outstanding shares.
This purpose of this amendment is to include Exhibit 27 - Financial
Data Schedule as reqired.
<PAGE>
SIGNATURES
----------
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this amendment to its Quarterly
Report on Form 10-Q for the quarter ended September 30, 1994 to be
signed on its behalf by the undersigned, thereunto duly authorized.
duly authorized.
CENTRAL FIDELITY BANKS, INC.
- ----------------------------
(Registrant)
/s/ James F. Campbell
James F. Campbell
Senior Vice President & Controller
(Principal Accounting Officer)
Date: November 22, 1994
<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000276235
<NAME> CENTRAL FIDELITY BANKS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> SEP-30-1994
<CASH> 253,693
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 274,439
<TRADING-ASSETS> 341
<INVESTMENTS-HELD-FOR-SALE> 3,501,470
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 5,597,410
<ALLOWANCE> 110,000
<TOTAL-ASSETS> 9,935,012
<DEPOSITS> 7,157,486
<SHORT-TERM> 1,054,908
<LIABILITIES-OTHER> 154,839
<LONG-TERM> 908,006
<COMMON> 196,323
0
0
<OTHER-SE> 463,450
<TOTAL-LIABILITIES-AND-EQUITY> 9,935,012
<INTEREST-LOAN> 321,298
<INTEREST-INVEST> 165,689
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 486,987
<INTEREST-DEPOSIT> 174,081
<INTEREST-EXPENSE> 234,801
<INTEREST-INCOME-NET> 252,186
<LOAN-LOSSES> 16,321
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 178,506
<INCOME-PRETAX> 127,713
<INCOME-PRE-EXTRAORDINARY> 127,713
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 86,273
<EPS-PRIMARY> 221
<EPS-DILUTED> 216
<YIELD-ACTUAL> 360
<LOANS-NON> 70,984
<LOANS-PAST> 7,972
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 105,000
<CHARGE-OFFS> 22,588
<RECOVERIES> 11,267
<ALLOWANCE-CLOSE> 110,000
<ALLOWANCE-DOMESTIC> 110,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>