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PRESS RELEASES


Media Contact:   Mary Eshet
(704) 383-7777

Media Contact:   Christy Phillips Brown
(704) 383-8178

Investor Contact:   Alice Lehman
(704) 374-4139

Investor Contact:   Ellen Taylor
(704) 383-1381

October 31, 2003
Wachovia CFO Bob Kelly Presents at BancAnalysts Association of Boston 2003 Fall Conference

CHARLOTTE, N.C. - Wachovia CFO Bob Kelly will present on Thursday, November 6, at the BancAnalysts Association of Boston's 2003 Fall Conference. This presentation will be available via live audio webcast beginning at 11:35 a.m. ET through Wachovia's Investor Relations home page at www.wachovia.com/investor. A replay of the webcast will be available beginning at 1p.m. ET November 6, until 5 p.m. ET December 6.

Wachovia Corporation (NYSE:WB) is one of the largest providers of financial services to retail, brokerage and corporate customers throughout the East Coast and the nation, with assets of $389 billion and stockholders' equity of $33 billion at Sept. 30, 2003. Its four core businesses, the General Bank, Capital Management, Wealth Management, and the Corporate and Investment Bank, serve 9 million households, including 900,000 businesses, primarily in 11 East Coast states and Washington, D.C. Its broker-dealer, Wachovia Securities, LLC, serves clients in 48 states. Global services are provided through more than 30 international offices. Online banking and brokerage products and services also are available through Wachovia.com.

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