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Cusip #381317106
Item 1: Reporting Person - Herbert M. Sandler
Item 4: US Citizen
Item 5: 62,700
Item 6: 14,956,116
Item 7: 62,700
Item 8: 14,956,116
Item 9: 15,018,816
Item 11: 9.31%
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:
Herbert M. Sandler
Item 2(b). Principal Business Office:
1901 Harrison Street
Oakland, California 94612
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 (i) 4,880,020
(i) Includes 60,000 shares held directly by Herbert M.
Sandler; 14,466,492 shares held by Herbert M. Sandler
with Marion O. Sandler, his wife, as co-trustees of
a revocable trust; 2,700 shares as held by Mr. Sandler,
as trustee for a trust for sister-in-law; and 489,624
shares held by Mr. Sandler with Mrs. Sandler in several
trusts for the benefit of their descendents.
(b) Percent of Class: 9.31%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote: 62,700
(ii) shared power to vote or to direct the vote: 14,956,116
(iii)sole power to dispose or to direct the disposition of: 62,700
(iv) shared power to dispose of or to direct the disposition of: 14,956,116
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Item 5. Ownership of Five 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: January 25, 2000 /s/ Herbert M. Sandler
Herbert M. Sandler
