EXHIBIT 10(q)

                       EXCERPT FROM MINUTES
                   PERSONNEL COMMITTEE MEETING
                    TCF FINANCIAL CORPORATION
                        DECEMBER 18, 1994

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        RE: Trust Agreement -- Senior Officer Deferred Compensation Plan

      Following discussion, and upon motion duly made, seconded and carried,
the following resolutions were adopted:

      Section 4.3 of the Trust Agreement is amended to read as follows:

      SECTION 4.3.  An Employee's right to direct the investment of
      the Employee's separate account shall continue during
      any period of distribution subsequent to the Employee's
      termination of employment in the same manner as if the Employee had
      continued as an active Employee, although the Committee may,
      in its discretion, add additional registered mutual funds or
      collective or common trustee funds which are available only for the
      accounts of terminated Employees if the Committee deems such
      funds to be particularly appropriate or suitable for such
      accounts.

          FURTHER RESOLVED, that the appropriate officers of the
      corporation are authorized and directed, upon approval of the
      Amendment by the board of this corporation, to take all
      actions necessary or appropriate to implement the provisions
      of the Amendment.

      I, Gregory J. Pulles, Secretary of TCF Financial Corporation do hereby
certify that the foregoing is a true and correct copy of excerpt of minutes
of the Personnel Committee of the Corporation meeting held on December 18,
1994, and that the minutes have not been modified or rescinded as of the
date hereof.

                                     /s/ Gregory J. Pulles
                                    --------------------------------
                                    Gregory J. Pulles

(Corporate Seal)

Dated:  March 28, 1995