EXHIBIT 10(d)

                                1993-1 AMENDMENT
                                       TO
                                    OLD KENT
                        EXECUTIVE RETIREMENT INCOME PLAN


     This is an amendment, effective August 16, 1993, by Old Kent Financial
Corporation ("OKFC").


                              W I T N E S S E T H:


          WHEREAS, OKFC amended and restated the Old Kent Executive
Retirement Income Plan ("plan") effective January 1, 1989;

          NOW, THEREFORE, the Employer amends Section 6.2(d) of the plan as
follows:

     (d)  Lump Sum Election.  If the Participant elects a lump-sum payment,
the Participant's benefit shall be distributed in a single payment.  The
amount of the lump sum shall be the actuarially equivalent present value of
the Participant's benefit payable at Normal Retirement Date.  The lump sum
benefit shall be determined in the manner provided under the Old Kent
Retirement Income Plan as in effect on the date the Participant's
employment terminates.  The Participant may elect or waive a prior election
of the lump-sum payment on a form supplied for that purpose, provided,
however, only one election or waiver may be made during a Plan Year.  If
employment terminates for any reason before the second anniversary of the
date of an election or waiver, the election or waiver shall be void and the
form of payment in effect immediately prior to the election or waiver shall
apply.  The preceding sentence shall not apply to an election that is made
by the Participant at the time of initial participation in this plan.  The
election of a lump-sum payment also shall be void if the Participant dies
before the first day of the first month following the date the
Participant's employment terminates.  If the Participant fails to make a
valid lump-sum election, the Participant's benefit shall be paid as
specified in (a), (b), (c) or (e).


     IN WITNESS WHEREOF, this amendment is executed this 16th day of
August, 1993.

                              OLD KENT FINANCIAL CORPORATION


                              By /S/ Martin J. Allen, Jr.
                                 Martin J. Allen, Jr.
                                 Its Secretary