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 18, 2001

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

                       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)


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

ITEM 5.  OTHER EVENTS.

         On January 18, 2001, Huntington Bancshares Incorporated ("Huntington")
announced that Thomas E. Hoaglin has been elected president, chief executive
officer, and a director of Huntington and its principal subsidiary, The
Huntington National Bank ("Huntington Bank"). Frank Wobst will continue to serve
as chairman of both Huntington and Huntington Bank. Peter Geier, previously
president and chief operating officer of Huntington, no longer serves as an
officer or director of Huntington.

         The information contained in the news release, which is attached as an
exhibit to this report, is incorporated herein by reference.


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

         (c) Exhibits.

         Exhibit 99 -- News release of Huntington Bancshares Incorporated, dated
                       January 18, 2001.


                                   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 18, 2001           By: /s/ Richard A. Cheap
                                        -------------------------------------
                                        Richard A. Cheap, Secretary

                                  EXHIBIT INDEX

Exhibit No.           Description

    99         *      News release of Huntington Bancshares
                      Incorporated issued on January 18, 2001.


- ----------

* Filed with this report.