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                                                                   EXHIBIT 10(c)


              SIXTH AMENDMENT TO HUNTINGTON BANCSHARES INCORPORATED
                             1983 STOCK OPTION PLAN

        Effective for exercises after June 30, 2000, Section 5(k) of the
Huntington Bancshares Incorporated 1983 Stock Option Plan is hereby amended and
restated in its entirety to read as follows:

                  "(k) An optionholder shall be required to pay, or make
         satisfactory provision for payment, to the Company of an amount equal
         to any tax which the Company is required to withhold under any federal,
         state or local tax laws in connection with the exercise of a
         Non-Statutory Stock Option. The optionholder may satisfy this
         obligation, in whole or in part, with respect to each individual
         Non-Statutory Stock Option by making an election ("Election") to either
         (a) have the Company withhold from the shares otherwise to be delivered
         on the exercise of the option that number of shares sufficient to
         satisfy the withholding requirement, or (b) to deliver to the Company
         sufficient shares of the Company's Common Stock to satisfy the
         withholding requirement; with, in either case, such shares to be valued
         at their Fair Market Value on the date that income from the exercise of
         such Non-Statutory Stock Option becomes taxable to the optionholder
         (the "Tax Date"). At the time of making an Election, the optionholder
         may certify to the Committee the rates (which shall not exceed the
         maximum Federal and the maximum state statutory rates applicable to the
         income of individuals for the year in which Tax Date occurs, exclusive
         of any effect that losses of deduction or credits at various income
         levels may have on such optionholder's taxes) at which the
         optionholder, upon adequate investigation, expects his or her income
         from the shares to be taxed and requests that withholding with respect
         to federal and state income taxes be made at such rates.
         Notwithstanding anything herein to the contrary, for exercises of
         options after June 30, 2000, an optionholder may not make an Election
         that would (i) require the Company to withhold from the shares
         otherwise to be delivered upon exercise, or (ii) require the Company to
         accept shares, in an amount that is in excess of the tax which the
         Company is required to withhold based on the minimum statutory
         withholding rates for federal, state and local tax purposes, including
         payroll taxes, that are applicable to such supplemental taxable income
         resulting from the exercise of any Non-Statutory Stock Option granted
         under this Plan. Delivery of or withholding of fractional shares shall
         not be permitted.