EXHIBIT 5
                           WARNER NORCROSS & JUDD LLP
                                Attorneys At Law
                             900 Old Kent Building
                             111 Lyon Street, N.W.
                       Grand Rapids, Michigan 49503-2489
                           Telephone: (616) 752-2000
                              Fax: (616) 752-2500


                              September 27, 1996

Old Kent Financial Corporation
One Vandenberg Center
Grand Rapids, Michigan 49503

     Re:  REGISTRATION STATEMENT ON FORM S-4
          2,382,100 SHARES COMMON STOCK

Gentlemen:

          We are counsel to Old Kent Financial Corporation ("Old Kent") in
connection with the registration under the Securities Act of 1933, as
amended (the "Securities Act"), of shares of Old Kent common stock, $1.00
par value ("Common Stock"), pursuant to a registration statement on Form
S-4 (the "Registration Statement") filed with the Securities and Exchange
Commission (the "Commission") on or about September 27, 1996.

          We are familiar with the proceedings taken by Old Kent in
connection with the authorization of up to 2,382,100 shares of Common
Stock.  We have examined such documents, records and matters of law as we
have deemed necessary for purposes of this opinion.  In our examination, we
have assumed the genuineness of all signatures, the legal capacity of all
natural persons, the authenticity of all documents submitted to us as
originals, the conformity to original documents of all documents submitted
to us as certified or photostatic copies and the authenticity of the
originals of such copies.

          Based upon the foregoing, we are of the opinion that the Common
Stock will be, when duly registered under the Securities Act and issued and
delivered as described in the Registration Statement, legally issued, fully
paid and nonassessable.

          We consent to the filing of this opinion as an exhibit to the
Registration Statement and to the references to our firm in the
Registration Statement.







          This opinion is rendered for the purposes of Item 21 of Form S-4
and Item 601 of Regulation S-K, may be relied upon only by you and the
Commission and may not be used, quoted or referred to or filed for any
other purpose without our prior written permission.

                                   WARNER NORCROSS & JUDD LLP



                                   By: /S/ GORDON R. LEWIS
                                       Gordon R. Lewis, Partner