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: JUNE 26, 2003

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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
---------------             ---------------------------             ----------
(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 June 26, 2003, Huntington Bancshares Incorporated ("Huntington")
issued a news release announcing that the staff of the Securities and Exchange
Commission is conducting a formal investigation. The information contained in
the news release, which is attached as Exhibit 99.1 to this report, is
incorporated herein by reference.

         The information contained or incorporated by reference in this Current
Report on Form 8-K contains 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 amended Annual Report on Form 10-K/A for the year ended December
31, 2002, 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 June 26, 2003.

                                   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:    June 27, 2003             By:     /s/ Michael J. McMennamin
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                                       Michael J. McMennamin, Vice Chairman,
                                       Chief Financial Officer, and Treasurer




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                                  EXHIBIT INDEX



EXHIBIT NO.                                 DESCRIPTION

                   
Exhibit 99.1          News release of Huntington Bancshares Incorporated, dated June 26, 2003.




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