1
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                             ----------------------

                                    FORM 8-K

                                 CURRENT REPORT
                       PURSUANT TO SECTION 13 or 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                             ----------------------

                        DATE OF REPORT: JANUARY 14, 1998

                             ----------------------

                       HUNTINGTON BANCSHARES INCORPORATED
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

                             ----------------------

   Maryland                       0-2525                      31-0724920
- ----------------          ---------------------          ----------------------
(STATE OR OTHER           (COMMISSION FILE NO.)          (IRS EMPLOYER
JURISDICTION OF                                          IDENTIFICATION NUMBER)
INCORPORATION OR
ORGANIZATION)

                             ----------------------

                                Huntington Center
                              41 South High Street
                              Columbus, Ohio 43287
                                 (614) 480-8300
               (ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER
                       INCLUDING AREA CODE OF REGISTRANT'S
                          PRINCIPAL EXECUTIVE OFFICES)

                             ----------------------
   2
ITEM  5.  OTHER EVENTS.

         On January 14, 1998, Huntington Bancshares Incorporated issued a news
release announcing its earnings for the fourth quarter and year ended December
31, 1997. The information contained in the news release, which is attached as an
exhibit to this report, is incorporated herein by reference.

         The information contained or incorporated by reference in this Current
Report on Form 8-K may contain forward-looking statements which are subject to
numerous assumptions, risks, and uncertainties. Actual results could differ
materially from those contained or implied by such statements for a variety of
factors, including: changes in economic conditions, movements in interest rates,
competitive pressures on product pricing and services, success and timing of
business strategies, and the nature and extent of legislative and regulatory
actions and reforms.


ITEM  7.  FINANCIAL STATEMENTS AND EXHIBITS.

         (c)  Exhibits.

         Exhibit 99 -- News release of Huntington Bancshares Incorporated, dated
         January 14, 1998.

                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                              HUNTINGTON BANCSHARES INCORPORATED


Date: January 20, 1998        By:  /s/ Gerald R. Williams
                                   --------------------------------------------
                                   Gerald R. Williams, Executive Vice President
                                                       and Chief Financial
                                                       Officer
   3
                                  EXHIBIT INDEX

    Exhibit No.       Description                                        Page

        99 *          News release of Huntington Bancshares
                      Incorporated issued on January 14, 1998.

- -------------------
*  Filed with this report.