Exhibit 10 (m)

                                 SERP AMENDMENT

WHEREAS, the Independent Sub-Committee has authority to amend the TCF
Financial Supplemental Employees Retirement Plan (the "SERP") under Section
II(a) and Article VIII of that Plan; and

WHEREAS, management has proposed allowing elections as to the form of
distribution to be made up to two years prior to termination of employment
and legal counsel and tax advisors for the company have advised that this
change is acceptable under the legal and tax rules that apply to the plan;

NOW, THEREFORE, IT IS HEREBY

RESOLVED, that Section III(c) of the SERP, second paragraph, first clause, is
amended to read as follows effective for distributions commencing on or after
the date this amendment is adopted:

An Eligible Employee may elect to have benefits from this Article III
distributed in one of the following forms, provided that such election is in
writing and is executed and delivered to the Committee or the Secretary, on
behalf of the Committee, and further provided that any such election which is
filed with the Secretary after the Employee has commenced participation in
the plan shall be filed no later than two years before such Employee's
termination of employment:

FURTHER RESOLVED, that a new paragraph is added at the end of Section III (c)
of the SERP reading as follows:

Notwithstanding the foregoing, if an Employee's balance in the Stockshare
SERP is less than $15,000 at the time of the Employee's termination of
employment, then such account shall be distributed to the Employee in a lump
sum payment (in the form of TCF Stock except for cash for a fractional share)
no later than 30 days after the Employee's termination of employment.

FURTHER RESOLVED, that a new paragraph is added at the end of Section IV (c)
of the SERP reading as follows:

 Notwithstanding the foregoing, if an Employee's balance in the Supplemental
Benefits related to the TCF Cash Balance Pension Plan is less than $15,000 at
the time of the Employee's termination of employment, then such account shall
be distributed to the Employee in a lump sum payment no later than 30 days
after the Employee's termination of employment.