EXHIBIT 99.2

                             [CFSB LETTERHEAD]

                             ___________, 1999

Dear Stockholder:

     We invite you to attend the special meeting of stockholders of CFSB
Bancorp, Inc., that will be held at ___________, _____________, Lansing,
Michigan on ______, _______, 1999, at _:__ _.m.  At the meeting, you will
be asked to consider an Agreement and Plan of Merger, dated February 24,
1999, between CFSB Bancorp, Inc. and Old Kent Financial Corporation (the
"Merger Agreement").  Pursuant to the Merger Agreement, CFSB will be merged
with and into Old Kent.  Upon consummation of the Merger, each outstanding
share of CFSB's common stock will be converted into the right to receive
0.6222 shares of Old Kent common stock and cash in lieu of fractional
shares.

     Enclosed with this letter are a Notice of Special Meeting and a
Prospectus and Proxy Statement that describe in detail the proposed merger,
the background of the merger, and other related information.  Also enclosed
is a proxy solicited by CFSB's Board of Directors in connection with the
meeting.

     Feldman Financial Advisors, Inc., CFSB's financial advisor, has issued
its opinion to the Board of Directors regarding the fairness, from a
financial point of view, of the consideration to be received by CFSB
stockholders pursuant to the Merger Agreement.  A copy of the opinion is
attached as Appendix C to the Prospectus and Proxy Statement.

     THE BOARD OF DIRECTORS HAS UNANIMOUSLY APPROVED THE PROPOSED MERGER
AND MERGER AGREEMENT AND RECOMMENDS THAT STOCKHOLDERS VOTE THEIR SHARES
"FOR" ADOPTION OF THE MERGER AND MERGER AGREEMENT.  THE VOTE "FOR" THE
PROPOSED MERGER OF A MAJORITY OF CFSB'S OUTSTANDING SHARES ENTITLED TO VOTE
IS NECESSARY TO APPROVE THE MERGER AND THE MERGER AGREEMENT.  FAILURE TO
VOTE (EITHER BY FAILING TO RETURN YOUR PROXY CARD OR FAILING TO VOTE IN
PERSON AT THE MEETING) WILL HAVE THE EFFECT OF A VOTE AGAINST THE MERGER.

     We urge you to consider carefully all of the materials in the
Prospectus and Proxy Statement and to execute and return the enclosed proxy
as soon as possible.  If you attend the meeting, you may vote in person if
you wish, even though you have previously returned your proxy.

                                        Sincerely,


                                        Robert H. Becker
                                        President and Chief Executive Officer



PLEASE DO NOT SEND IN ANY STOCK CERTIFICATES AT THIS TIME.  YOU WILL
RECEIVE INSTRUCTIONS FOLLOWING THE MERGER FOR EXCHANGE OF STOCK
CERTIFICATES.