EXHIBIT 99

                               OLD KENT THRIFT PLAN
                                PERFORMANCE TABLE

           The following table illustrates the comparative investment
performance of the five investment options offered under the Old Kent Thrift
Plan.  The performance of some or all of these options also serves as a measure
for determining benefits under the Executive Thrift Plan and the Deferred
Compensation Plan.  The table shows the value of a hypothetical initial
investment of $1,000 invested on December 31, 1991 and its value as of
December 31 of each subsequent year shown below:




                       Initial
                       Investment    12/31/92     12/31/93     12/31/94
Fund                   on 12/31/91   Value        Value        Value
                                                   
Savings Fund            $1,000       $1,038       $1,071       $1,115

Diversified Equity      $1,000       $1,072       $1,212       $1,237
Fund 

Old Kent Common         $1,000       $1,513       $1,378       $1,449
Stock Fund

Short Term Bond         $1,000       $1,051       $1,098       $1,114
Fund

Balanced Fund           $1,000       $1,077       $1,221       $1,219



This document constitutes part of a prospectus covering securities that have
been registered under the Securities Act of 1933.