SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

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                                    FORM 8-K

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

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                         DATE OF REPORT: APRIL 14, 1998

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

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

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                                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)

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ITEM 5. OTHER EVENTS.

         On April 14, 1998, Huntington Bancshares Incorporated ("Huntington")
issued a news release announcing its earnings for the first quarter and three
months ended March 31, 1998. 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
         April 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: April 16, 1998                By:  /s/ Gerald R. Williams
                                        -------------------------
                                        Gerald R. Williams, Executive Vice
                                        President and Chief Financial Officer
                                  EXHIBIT INDEX

             Exhibit No.       Description

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


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*  Filed with this report.