<PAGE>
Cusip #381317106
Item 1: Reporting Person - Bernard A. Osher
Item 4: US Citizen
Item 5: 3,137,150
Item 6: None
Item 7: 3,137,150
Item 8: None
Item 9: 3,137,150
Item 11: 5.50%
Item 12: IN
Item 1(a). Name of Issuer:
Golden West Financial Corporation
Item 1(b). Address of Issuer's Principal Executive Offices:
1901 Harrison Street
Oakland, California 94612
Item 2(a). Name of Person Filing:
Bernard A. Osher
Item 2(b). Principal Business Office:
Butterfield and Butterfield
220 San Bruno Avenue
San Francisco, California 94103
Item 2(c). Citizenship:
U.S. Citizen
Item 2(d). Title of Class of Securities:
Common Stock
Item 2(e). CUSIP Number:
381317 10 6
Item 3. Not applicable.
Item 4. Ownership
(a) Amount beneficially Owned: 3,137,150
(b) Percent of Class: 5.50%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote: 3,137,150
(ii) shared power to vote or to direct the vote: None
(iii) sole power to dispose or to direct the disposition of: 3,137,150
(iv) shared power to dispose of or to direct the disposition of: None
<PAGE>
Item 5. Ownership of Give Percent or Less of a Class
Not applicable.
Item 6. Ownership of More than Five Percent on Behalf of Another Person
Not applicable.
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on By the Parent Holding
Company.
Not applicable.
Item 8. Identification and Classification of Members of the Group.
Not applicable.
Item 9. Notice of Dissolution of Group.
Not applicable.
Dated: February 11, 1998 /s/ Bernard A. Osher
Bernard A. Osher
