EXHIBIT 99

EXHIBIT 99

NEW RELEASE [LOGO]

FOR IMMEDIATE RELEASE FOR FURTHER INFORMATION, CONTACT:
SUBMITTED: JULY 10, 1996 JACQUELINE THURSTON (614) 480-3878

HUNTINGTON BANCSHARES REPORTS EARNINGS
FOR SECOND QUARTER AND FIRST SIX MONTHS OF 1996

COLUMBUS, Ohio -- Huntington Bancshares Incorporated (NASDAQ: HBAN;
http://www.huntington.com) today reported net income of $65.1 million for the
second quarter of 1996, compared with $58.2 million for the same period one
year ago. Adjusted for the ten percent stock dividend that will be distributed
to shareholders on July 31, 1996, the earnings per share were $.45 in the
second quarter and $.87 for the first half of the year, representing increases
of 18.4% and 19.2%, respectively, over the same periods last year.

Huntington's return on average assets (ROA) of 1.32% and return on
average equity (ROE) of 17.56% were also stronger than what was reported in the
second quarter of 1995. For the first half of 1996, net income was $127.9
million, versus $113.0 million in the first six months of 1995; ROA and ROE
were 1.29% and 16.77%, respectively, up from 1.24% and 15.08% in the first six
months of last year.

"We are pleased to report improved earnings in the second quarter,"
stated Frank Wobst, chairman and chief executive officer of Huntington
Bancshares Incorporated. "The broad-based growth in fee income is quite
satisfying as is the improvement in the net interest margin. The year to year
average loan growth is also substantial, up 6.9% for commercial loans and 11.6%
for consumer loans."

Net interest income in the three and six months ended June 30, 1996 was
$189.3 million and $374.0 million, respectively, approximately 5.0% higher than
the corresponding periods in 1995.

The net interest margin was 4.15% in the second quarter of 1996, down modestly
from the second three months a year ago, but 12 basis points higher than the
immediately preceding quarter.

Non-interest income, excluding securities transactions, was $67.0
million and $128.0 million in the most recent three and six month periods,
28.4% and 16.4% higher than the same periods last year. Growth occurred in all
major categories.

Non-interest expense was up 3.1% in the second quarter and 1.1% in the
first half of the year from the corresponding periods last year. The growth in
expenses was due, in part, to the acquisition of two Florida banks one in late
1995 and the other in January 1996, which added $3.3 million and $6.4 million,
respectively, to the second quarter and year-to-date totals. Excluding these
amounts, non-interest expense would have been flat with the same periods in
1995.

Asset quality remains strong. At June 30, 1996, Huntington's allowance
for loan losses (ALL) represented 1.44% of total loans and 345% of
non-performing loans. The combined ALL and allowance for other real estate was
238% of all non-performing assets. Net charge-offs, as a percent of average
loans, were .38% in the second three months of 1996 compared with .34% in the
immediately preceding quarter and 23 basis points in the second quarter a year
ago.

Huntington's average equity to average assets was 7.51% in the second
quarter of 1996 and 7.70% for the first six months of the year. Huntington
continues to maintain a strong equity position exceeding requirements for "well
capitalized" institutions.

Huntington Bancshares in a regional bank holding company headquartered
in Columbus, Ohio with assets in excess of $20 billion. The company's banking
subsidiaries operate 335 offices in Ohio, Florida, Indiana, Kentucky, Michigan
and West Virginia. Huntington's mortgage, trust, investment banking, and
automobile finance subsidiaries manage 75 offices in the six states mentioned
as well as Georgia, Illinois, Maryland, New Jersey, North Carolina,
Pennsylvania, Texas and Virginia.

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HUNTINGTON BANCSHARES INCORPORATED
COMPARATIVE SUMMARY (CONSOLIDATED)

(in thousands of dollars, except per share amounts)