GOLDEN WEST FINANCIAL CORP /DE/
10-K405/A, 2000-03-30
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 10-K

              Annual Report Pursuant to Section 13 or 15(d) of the
                       Securities and Exchange Act of 1934
                   for the fiscal year ended December 31, 1999
                           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  29,  2000,   was
$4,544,526,866.  The number of shares  outstanding  of the  Registrant's  common
stock on February 29, 2000, was 159,457,083 shares.

                       DOCUMENTS INCORPORATED BY REFERENCE

Documents Incorporated by Reference                 Applicable Part of Form 10-K
- -----------------------------------                 ----------------------------
Proxy Statement Dated March 13, 2000,                         Part III
Furnished to Stockholders in Connection
with Registrant's Annual Meeting of
Stockholders.

<PAGE>


ITEM 14.  EXHIBITS,  FINANCIAL  STATEMENT  SCHEDULES  AND  REPORTS  ON FORM  8-K
          (Continued)


                                   SIGNATURES

     Pursuant  to the  requirements  of  Section  13 or 15(d) of the  Securities
Exchange Act of 1934, Registrant has duly caused this Report to be signed on its
behalf by the undersigned, thereunto duly authorized.


                                    GOLDEN WEST FINANCIAL CORPORATION


                                   By:  /s/ Herbert M. Sandler        3/29/2000
                                        ----------------------------------------
                                        Herbert M. Sandler,
                                        Chairman of the Board and
                                        Chief Executive Officer


                                   By:  /s/ Marion O. Sandler         3/29/2000
                                        ----------------------------------------
                                        Marion O. Sandler,
                                        Chairman of the Board and
                                        Chief Executive Officer


                                   By:  /s/ Russell W. Kettell        3/29/2000
                                        ----------------------------------------
                                        Russell W. Kettell,
                                        President and
                                        Chief Financial Officer


                                   By:  /s/ William C. Nunan           3/29/2000
                                        ----------------------------------------
                                        William C. Nunan,
                                        Chief Accounting Officer








Dated:  March 29, 2000












<PAGE>


     Pursuant to the  requirements of the Securities  Exchange Act of 1934, this
report  has  been  signed  below  by the  following  persons  on  behalf  of the
Registrant and in the capacities and on the date indicated:

/s/ Maryellen B. Cattani    3/29/2000    /s/ Bernard A. Osher     3/29/2000
- -------------------------------------    ----------------------------------
Maryellen B. Cattani                     Bernard A. Osher
Director                                 Director

/s/ Louis J. Galen          3/29/2000    /s/ Kenneth T. Rosen     3/29/2000
- -------------------------------------    ----------------------------------
Louis J. Galen                           Kenneth T. Rosen
Director                                 Director

/s/ Antonia Hernandez       3/29/2000    /s/ Herbert M. Sandler   3/29/2000
- -------------------------------------    ----------------------------------
Antonia Hernandez                        Herbert M. Sandler
Director                                 Director

/s/ Patricia A. King        3/29/2000    /s/ Marion O. Sandler    3/29/2000
- -------------------------------------    ----------------------------------
Patricia A. King                         Marion O. Sandler
Director                                 Director

                                         /s/ Leslie Tang Schilling 3/29/2000
                                         ----------------------------------
                                         Leslie Tang Schilling
                                         Director






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