FOURTH FINANCIAL CORP
11-K, 1995-06-29
NATIONAL COMMERCIAL BANKS
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                                       SECURITIES AND EXCHANGE COMMISSION
                                             Washington, D.C.  20549

                                             ------------------------

                                                    FORM 11-K


                 [x]      ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
                          SECURITIES EXCHANGE ACT OF 1934 [FEE REQUIRED]

                 For the fiscal year ended December 31, 1994

                                                       OR

                 [ ]      TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE
                          SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

                 For the transition period from            to           
                                                ----------    ----------
                 Commission file number     33-37477    
                                        ----------------

                 A.       Full title of the plan and the address of the plan, 
                          if different from that of the issuer named below:

                                   FOURTH FINANCIAL CORPORATION
                                   SAVINGS AND INVESTMENT PLAN


                 B.       Name of issuer of the securities held pursuant to 
                          the plan and the address of its principal executive 
                          office:

                                   Fourth Financial Corporation
                                   100 North Broadway
                                   P.O. Box 4
                                   Wichita, Kansas  67201-0004


                                              REQUIRED INFORMATION

                 The following financial statements are furnished for the plan:
See attached Exhibit "A" (Filed Under Form SE).

                 Exhibit "B" is the consent of Ernst & Young LLP for the 
Financial Statements furnished for the plan for the fiscal year ended December 
31, 1994.




                                   SIGNATURES

                 The Plan.  Pursuant to the requirements of the Securities 
Exchange Act of 1934, the trustees (or other persons who administer the 
employee benefit plan) have duly caused this annual report to be signed on its 
behalf by the undersigned hereunto duly authorized.


                                               FOURTH FINANCIAL CORPORATION
                                               SAVINGS AND INVESTMENT PLAN

                                          



June 29, 1995                                  By  /s/John F. Guettler   
- -------------------------                        ------------------------------
         Date                                    John F. Guettler,
                                                 Executive Vice President
                                                 and Director of Human Resources
                                                 Fourth Financial Corporation


                                EXHIBIT INDEX



                                                            Page Number in
                                                            Manually Signed
Exhibit No.      Description                                   Original    
- ----------       -----------                                ---------------
    A            Report of Independent Auditors                  "P"

    B            Consent of Independent Auditors





Exhibit A.  Financial Statement and Supplemental Schedules (Filed under
            Form SE on June 29, 1995)







Exhibit B.  Consent of Independent Auditors


                   Consent of Independent Auditors

We consent to the incorporation by reference in the Registration Statement
(Form S-8 No. 33-37477) pertaining to the Savings and Investment Plan of Fourth
Financial Corporation of our report dated June 23, 1995, with respect to the
financial statements and schedules of the Fourth Financial Corporation Savings 
and Investment Plan included in this Annual Report (Form 11-K) for the year 
ended December 31, 1994.


                                                          /s/ Ernst & Young LLP
                                                          
                                                              ERNST & YOUNG LLP

Wichita, Kansas
June 28, 1995







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