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                                   EXHIBIT 99

                              OLD KENT THRIFT PLAN
                               PERFORMANCE TABLE


   The following table illustrates the comparative investment performance of
the five investment options offered under the Old Kent Thrift Plan.  The
performance of some or all of these options also serves as a measure for
determining benefits under the Executive Thrift Plan and the Deferred
Compensation Plan.  The table shows the value of a hypothetical initial
investment of $1,000 invested on December 31, 1994, and its value as of
December 31 of each subsequent year shown below:




                                        Initial
                                       Investment          12/31/95          12/31/96          12/31/97
                                      on 12/31/94           Value             Value             Value
                                                                                     
Savings Fund                           $1,000                $1,060            $1,118            $1,182


Diversified Equity                     $1,000                $1,288            $1,508            $1,826
  Fund

Short Term Bond                        $1,000                $1,111            $1,163            $1,243
  Fund

Old Kent Common                        $1,000                $1,480            $1,863            $3,326
  Stock Fund

Balanced Fund                          $1,000                $1,194            $1,301            $1,495
                                          




This document constitutes part of a prospectus covering securities that have
been registered under the Securities Act of 1933.