EXHIBIT 10(r)

                                          
                             TCF FINANCIAL CORPORATION
                     1999 MANAGEMENT INCENTIVE PLAN - EXECUTIVE
                                          
1.   ELIGIBILITY - Each Participant shall be given a copy of this 1999 
Management Incentive Plan for Executives (the "Plan") and required to sign an 
acknowledgment of its terms. The participants in the Plan are those approved 
by the Personnel/Affirmative Action Committee (the "Committee").

2.   All participants will be initially evaluated by the Chairman of TCF 
Financial (the "Chairman") who will forward all recommendations to the 
Committee for approval. The Committee evaluates the performance of the 
Chairman.  The Committee will consider the Earnings per Share ("EPS") and 
Return on Average Assets ("ROA") performance and shall also evaluate all 
other matters it deems appropriate in its sole discretion, subject to limits 
imposed on such discretion under the Performance-Based Plan.  Evaluations 
will be performed pursuant to the terms of the TCF Performance-Based 
Compensation Policy for Covered Executive Officers (the "Performance-Based 
Plan") in the case of Covered Executive Officers (as defined in that Plan).

3.   The criteria for awards (subject to paragraph 4) is as follows:

     a.  The amount of incentive payable to a participant shall be determined 
by the achievement of EPS financial goals on Exhibit A attached.  EPS will be 
calculated as provided in the Performance-Based Plan, using diluted EPS, 
rounded to the nearest cent. The bonus percentage shall be calculated, in the 
case of EPS achievement which falls between goals, by interpolation as 
follows:  The amount by which the EPS achievement exceeds the goal shall be 
divided by the amount between the EPS goal exceeded and the next EPS goal.  
The result shall be stated in the form of a percentage which shall be 
multiplied by the total bonus percentage points between EPS goals.  The 
result shall be added to the bonus percentage corresponding to the EPS goal 
that was exceeded.  In addition, the Committee will determine the ROA of the 
Company under the Performance-Based Plan and will determine if it is in the 
top one-third of the Company's peer group, as required by Exhibit A.

4.   The committee may in its discretion, reduce, defer or eliminate the 
amount of the incentive determined under paragraph 3.a. of this Agreement for 
a Covered Executive Officer in the Performance-Based Plan.  In addition, for 
participants who are not subject to the Performance-Based Plan, the Committee 
may in its discretion increase the amount of the incentive calculated under 
paragraph 3.a. of this Agreement.  The Committee has authority to make 
interpretations under this Plan and to approve the calculations under 
Paragraph 3.a.  Incentive compensation will be paid in cash as soon as 
possible following approval of awards by the Personnel Committee.  Except for 
Covered Executive Officers, the participant must be employed by TCF Financial 
(or the same subsidiary as employed by on the date of this Acknowledgment) on 
the date the incentive is paid in the same job position as the position for 
which the incentive was earned in order to receive the incentive payment.  
However, where the participant has transferred to another position within 
TCF, the Committee may in its discretion determine to pay part, none, or all 
of the incentive based on any factors the Committee considers to be relevant.

5.   The committee may amend this Plan from time to time as it deems 
appropriate, except that no provision of the Performance-Based Plan may be 
amended except in accordance with its terms.  This Plan shall not be 
construed as a contract of employment, nor shall it be considered a term of 
employment, nor as a binding contract to pay awards.  The undersigned 
acknowledges he/she is employed "at will".

6.   This Plan is effective for service on or after January 1, 1999, and 
supersedes and replaces the prior Management Incentive Compensation Plan and 
any other prior incentive arrangements with respect to executives in this 
Plan.  The Plan may not be amended except in writing signed by TCF Financial 
and the executive.



                               ACKNOWLEDGMENT
                                          

I have received, read, and acknowledge the terms of the foregoing plan.


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Date                               Signature