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: OCTOBER 17, 2002

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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 October 17, 2002, Huntington Bancshares Incorporated ("Huntington")
issued a news release announcing its earnings for the third quarter and nine
months ended September 30, 2002. 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 as 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. A number of factors, including but not
limited to those set forth under the heading "Business Risks" included in Item 1
of Huntington's Annual Report on Form 10-K for the year ended December 31, 2001,
and other factors described from time to time in Huntington's other filings with
the Securities and Exchange Commission, could cause actual conditions, events,
or results to differ significantly from those described in the forward-looking
statements. 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 October 17, 2002.

                Exhibit 99.2  Presentation Transcript of October 17, 2002.

                Exhibit 99.3  Presentation Materials, October 17, 2002.








                                   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: October 22, 2002     By:  /s/ Michael J. McMennamin
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                                         Michael J. McMennamin, Vice Chairman,
                                         Chief Financial Officer, and Treasurer

















                                  EXHIBIT INDEX

         Exhibit No.      Description

         Exhibit 99.1    *News release of Huntington Bancshares Incorporated,
                          dated October 17, 2002.

         Exhibit 99.2    *Presentation Transcript of October 17, 2002.

         Exhibit 99.3    *Presentation Materials, dated October 17, 2002.


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         * Filed with this report.