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: July 17, 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 July 17, 2001, Huntington Bancshares Incorporated ("Huntington") issued
a news release announcing its earnings for the second quarter and six months
ended June 30, 2001. The information contained in the news release, which is
attached as Exhibit 99.1 to this report, is incorporated herein by reference.
Huntington also presented this information during a conference call which was
available via Internet Webcast. The presentation materials are attached at
Exhibits 99.2 and 99.3 to this report, and are incorporated herein by reference.

     The information contained or incorporated by reference in this Current
Report on Form 8-K may contain forward-looking statements, including certain
plans, expectations, goals, and projections, 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; the successful integration of acquired businesses; the
nature, extent, and timing of governmental actions and reforms; and extended
disruption of vital infrastructure. All forward-looking statements included in
this Current Report on Form 8-K are based on information available at the time
of the Report. Huntington assumes no obligation to update any forward-looking
statement.


Item  7. Financial Statements and Exhibits.

     (c) Exhibits.

     Exhibit 99.1  News release of Huntington Bancshares Incorporated, dated
                   July 17, 2001.

     Exhibit 99.2  Presentation Transcript of July 17, 2001.

     Exhibit 99.3  Presentation Materials, dated July 17, 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: July 18, 2001               By:/s/ Michael J. McMennamin
                                     -----------------------------------
                                     Michael J. McMennamin, Vice Chairman, Chief
                                     Financial Officer and Treasurer


                                 EXHIBIT INDEX

Exhibit No.         Description

Exhibit 99.1  *     News release of Huntington Bancshares Incorporated, July 17,
                    2001.

Exhibit 99.2  *     Presentation Transcript of July 17, 2001.

Exhibit 99.3  *     Presentation Materials, dated July 17, 2001.


_________________________
* Filed with this report.