FORM  8-K



SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC  20549



CURRENT REPORT PURSUANT SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934



DATE OF REPORT:  January 28, 1998



Commission File No. 0-10585



                     Mid Am, Inc.                            
(Exact Name of Registrant as Specified in its Charter)



               Ohio                       34-1580978         
(State of Other Jurisdiction of          (IRS Employer
 Incorporation or Organization)      Identification Number)



221 South Church Street, Bowling Green, Ohio         43402   
(Address of Principal Executive Office)            (Zip Code)



        (419) 327-6300        
(Registrant's Telephone Number)










ITEM 5:   OTHER EVENTS


On January 16, 1998, Mid Am, Inc. (the "Company") announced the
issuance of $50,000,000 of unregistered subordinated notes in a
private placement.  In addition, the Company reauthorized its
buyback program, enabling the Company to purchase up to 1,200,000
additional shares of Mid Am, Inc. common stock.

Attached hereto as Exhibit 1 is a copy of the Company's press
release dated January 16, 1998, which reported the issuance of
subordinated notes and the reauthorization of its buyback
program.






































SIGNATURES



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.


                                                               
MID AM, INC.
Registrant


                                                                  
/s/  Dennis L. Nemec



Dennis L. Nemec
Executive Vice President / Chief Financial Officer



Date:  January 28, 1998

























MID AM, INC.



EXHIBIT INDEX



Exhibit No.         Description                      Page Number

    (1)             Mid Am, Inc. Announces     
                      Issuance of Subordinated 
                      Notes and Reauthorization
                      of Buyback Program                  5





































EXHIBIT NO. 1




FOR IMMEDIATE RELEASE


CONTACT:  Dennis L. Nemec  
          Executive Vice President
          Chief Financial Officer
          (419) 373-6462

          W. Granger Souder
          Executive Vice President
          General Counsel
          (419) 327-6305




          MID AM, INC. REAUTHORIZES BUYBACK PROGRAM;
                   ISSUES SUBORDINATED NOTES


   January 16, 1998 (Bowling Green, Ohio  NASDAQ:  MIAM) Mid Am,
Inc. announced that the Board of Directors reauthorized its share
buyback plan, enabling the Company to purchase up to 1,200,000
additional shares of the Company's outstanding common stock over
a twelve month period in the open market or in privately
negotiated transactions.  The reauthorization follows the
fulfillment of the Company's 1997 share buyback program, under
which the Company repurchased 1,623,000 shares of its common
stock, and continues the Company's systematic pattern of
reacquisition.  The share buyback is expected to enable the
Company to restructure its balance sheet and enhance shareholder
returns, while maintaining strong capital levels through earnings
retention.  The repurchased shares may be reissued pursuant to
future stock dividends or in connection with its stock option
plans.

   The Company also announced the issuance and sale of
unregistered 7.08% ten year Subordinated Notes in the principal
amount of $50,000,000 in a private placement.  The net proceeds
to the Company from the sale of Subordinated Notes will be used
for general corporate purposes.

   Mid Am, Inc. is a $2.2 billion financial services holding
company, headquartered in Bowling Green, Ohio.  Affiliates
include Mid American National Bank and Trust Company, Toledo,
Ohio; First National Bank Northwest Ohio, Bryan, Ohio; American
Community Bank, N.A., Lima, Ohio; AmeriFirst Bank, N.A., Xenia,
Ohio; Adrian State Bank, Adrian, Michigan; Mid Am Information
Services, Inc., Bowling Green, Ohio; Mid Am Recovery Services,
Inc., Clearwater, Florida; MFI Investments Corp., Bryan, Ohio;
Mid Am Credit Corp., Columbus, Ohio; Mid Am Financial Services,
Inc., Carmel, Indiana; Simplicity Mortgage Consultants, Inc.,
Marion, Indiana; Mid Am Private Trust, N.A., Cincinnati, Ohio;
and Mid Am Title Insurance Agency, Inc., Adrian, Michigan.


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