<SUBMISSION>
<ACCESSION-NUMBER>0000907303-03-000261
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20031113
<ITEMS>9
<FILING-DATE>20031113
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>WASHINGTON MUTUAL INC
<CIK>0000933136
<ASSIGNED-SIC>6035
<IRS-NUMBER>911653725
<STATE-OF-INCORPORATION>WA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>001-14667
<FILM-NUMBER>03998722
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1201 THIRD AVE
<STREET2>STE 1500
<CITY>SEATTLE
<STATE>WA
<ZIP>98101
<PHONE>2064612000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1201 THIRD AVE
<STREET2>SUITE 1500
<CITY>SEATTLE
<STATE>WA
<ZIP>98101
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8knov132003.htm
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     <p>&nbsp;</p>
     <p align="center"><font face="Times New Roman" size="2"><b>SECURITIES AND
     EXCHANGE COMMISSION<br>
     Washington, D.C.&nbsp; 20549</b></font></p>
     <p align="center"><b><font face="Times New Roman" size="2">FORM 8-K</font></b></p>
     <p align="center"><b><font face="Times New Roman" size="2">CURRENT REPORT<br>
     Pursuant to Section 13 or 15(d) of the<br>
     Securities Exchange Act of 1934</font></b></p>
     <p align="center"><font face="Times New Roman" size="2">Date of Report
     (Date of Earliest Event
     Reported)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; November
     13, 2003</font></p>
     <p align="center">&nbsp;</p>
     <div align="center">
          <table border="0" cellspacing="0" cellpadding="0">
               <tr>
                    <td valign="top">
                         <p align="center"><font face="Times New Roman" size="2"><b>WASHINGTON
                         MUTUAL, INC.</b></font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top">
                         <p align="center"><font face="Times New Roman" size="2">(Exact
                         name of registrant as specified in its charter)</font></p>
                    </td>
               </tr>
          </table>
     </div>
     <p><font face="Times New Roman" size="2">&nbsp;</font></p>
     <div align="center">
          <table border="0" cellspacing="0" cellpadding="0" width="85%">
               <tr>
                    <td valign="top" width="251">
                         <p align="center"><font face="Times New Roman" size="2"><b>Washington</b></font></p>
                    </td>
                    <td valign="top" width="16"></td>
                    <td valign="top" width="210">
                         <p align="center"><font face="Times New Roman" size="2"><b>1-14667</b></font></p>
                    </td>
                    <td valign="top" width="17"></td>
                    <td valign="top" width="252">
                         <p align="center"><font face="Times New Roman" size="2"><b>91-1653725</b></font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top" width="251">
                         <p align="center"><font face="Times New Roman" size="2">(State
                         or other jurisdiction<br>
                         of incorporation)</font></p>
                    </td>
                    <td valign="top" width="16"></td>
                    <td valign="top" width="210">
                         <p align="center"><font face="Times New Roman" size="2">(Commission
                         File No.)</font></p>
                    </td>
                    <td valign="top" width="17"></td>
                    <td valign="top" width="252">
                         <p align="center"><font face="Times New Roman" size="2">(I.R.S.
                         Employer<br>
                         Identification No.)</font></p>
                    </td>
               </tr>
          </table>
     </div>
     <p>&nbsp;</p>
     <div align="center">
          <table border="0" cellspacing="0" cellpadding="0">
               <tr>
                    <td valign="top">
                         <p align="center"><font face="Times New Roman" size="2"><b>1201
                         Third Avenue<br />
                         Seattle, Washington 98101</b></font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top">
                         <p align="center"><font face="Times New Roman" size="2">(Address
                         of principal executive offices and zip code)</font></p>
                    </td>
               </tr>
          </table>
     </div>
     <p align="center"><font face="Times New Roman" size="2"><b>(206) 461-2000<br>
     </b>Registrant's telephone number, including area code</font></p>
     <p><b><font face="Times New Roman" size="2">Item 9.&nbsp; Regulation FD
     Disclosure</font></b></p>
     <p>&nbsp;&nbsp; <font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp; On
     November 13, 2003, Washington Mutual, Inc. issued a press release, attached
     as Exhibit 99.1 to this Form 8-K, announcing that its Form 10-Q for the
     period ended September 30, 2003 contained the correction of an error in its
     previous accounting for certain components of bank owned life insurance.</font>
</div>
<div style="width: 756; height: 497">
     <p align="center"><b><font face="Times New Roman" size="2">SIGNATURE</font></b></p>
     <p><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
     Pursuant to the requirements of the Securities Exchange Act of 1934, the
     registrant has duly caused this report to be signed on its behalf by the
     undersigned hereunto duly authorized.&nbsp;</font></p>
     <div align="justify">
          <table border="0" width="754">
               <tr>
                    <td width="370"><font face="Times New Roman" size="2">Dated:&nbsp;
                         November 13, 2003</font></td>
                    <td width="370"><font face="Times New Roman" size="2">WASHINGTON
                         MUTUAL, INC.</font></td>
               </tr>
               <tr>
                    <td width="370"></td>
                    <td width="370">&nbsp;
                         <p><font face="Times New Roman" size="2">By:&nbsp;&nbsp;
                         <u>/s/ Fay L.
                         Chapman&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></font></td>
               </tr>
               <tr>
                    <td width="370"></td>
                    <td width="370"><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         Fay L. Chapman<br />
                         &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Senior
                         Executive Vice President</font></td>
               </tr>
          </table>
     </div>
     <hr>
     <p><font face="Times New Roman" size="2"><br clear="all" />
     </font></p>
     <p align="center"><b><font face="Times New Roman" size="2">EXHIBIT INDEX</font></b></p>
     <div align="center">
          <center>
          <table border="0" cellspacing="0" cellpadding="0" width="583">
               <tr>
                    <td valign="top" width="53">
                         <p align="center"><b><font face="Times New Roman" size="2">Exhibit</font></b></p>
                    </td>
                    <td valign="top" width="43"></td>
                    <td valign="top" width="481">
                         <p align="center"><b><font face="Times New Roman" size="2">Description</font></b></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top" width="53">
                         <hr>
                    </td>
                    <td valign="top" width="43"></td>
                    <td valign="top" width="481">
                         <hr>
                    </td>
               </tr>
               <tr>
                    <td valign="top" width="53">
                         <p align="center"><font face="Times New Roman" size="2">99.1</font></p>
                    </td>
                    <td valign="top" width="43"></td>
                    <td valign="top" width="481"><font face="Times New Roman" size="2">Press
                         release dated November 13, 2003</font></td>
               </tr>
          </table>
          </center>
     </div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>exh991to8knov132003.htm
<TEXT>
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<title>FINAL BOLI disclosure 12 Noon.doc</title>
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     <p><b><font face="Times New Roman" size="2">EXHIBIT 99.1</font></b></p>
     <p align="right"><font face="Times New Roman" size="2">November 13, 2003<br>
     <b><u>FOR IMMEDIATE RELEASE</u></b></font></p>
     <p align="center"><b><font face="Times New Roman" size="2">Washington
     Mutual Adjusts Accounting Treatment<br>
     for Bank Owned Life Insurance</font></b></p>
     <p><font face="Times New Roman" size="2">SEATTLE -- Washington Mutual, Inc.
     (NYSE: WM) filed today its Quarterly Report on Form 10-Q with the
     Securities and Exchange Commission, which included the correction of an
     error in its accounting for certain components of Bank Owned Life Insurance
     (BOLI).</font></p>
     <p><font face="Times New Roman" size="2">The company said the error was
     immaterial, resulting in a cumulative overstatement of $87 million out of
     retained earnings of $16.1 billion. The effects of the error were spread
     over a 14-quarter period that began in 2000 when the company acquired its
     first BOLI policies. During this period, the company reported earnings of
     $11.5 billion. The company's quarterly report shows the impacts of the
     correction to the affected prior periods.</font></p>
     <p><font face="Times New Roman" size="2">The adjustment in accounting
     treatment for BOLI is not expected to have a material effect on earnings in
     the fourth quarter of 2003 or future periods, according to the company.</font></p>
     <p><b><font face="Times New Roman" size="2">About Washington Mutual</font></b></p>
     <p><font face="Times New Roman" size="2">With a history dating back to
     1889, Washington Mutual is a retailer of financial services that provides a
     diversified line of products and services to consumers and commercial
     clients. At Sept. 30, 2003, Washington Mutual and its subsidiaries had
     assets of $286.63 billion. Washington Mutual currently operates more than
     2,700 consumer banking, mortgage lending, commercial banking, consumer
     finance and financial services offices throughout the nation. Washington
     Mutual's press releases are available at www.wamunewsroom.com.</font></p>
     <p align="center"><font face="Times New Roman" size="2"># # #</font></p>
     <div align="left">
          <table border="0" cellspacing="0" cellpadding="0" align="left" width="75%">
               <tr>
                    <td valign="top">
                         <p><font face="Times New Roman" size="2">Media Contact:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         Alan Gulick</font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top">
                         <p><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         (206) 377-3637</font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top">
                         <p><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         alan.gulick@wamu.net</font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top"></td>
               </tr>
               <tr>
                    <td valign="top">
                         <p><font face="Times New Roman" size="2">Investor
                         Contacts:&nbsp;&nbsp;&nbsp;&nbsp; JoAnn DeGrande</font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top">
                         <p><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         (206) 461-3186</font></p>
                    </td>
               </tr>
               <tr>
                    <td valign="top"><font face="Times New Roman" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                         joann.degrande@wamu.net</font></td>
               </tr>
               <tr>
                    <td valign="top"></td>
               </tr>
          </table>
     </div>
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