SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report: October 16, 2000

Old Kent Financial Corporation
(Exact name of registrant as
specified in its charter)

Registrant's telephone number,
including area code: (616) 771-5000

                    On October 13, 2000, Old Kent Financial Corporation ("Old Kent") completed its acquisition of Home Bancorp ("Home"). On or shortly after October 16, 2000, Old Kent sent certain instructions to the former common stockholders of Home regarding the exchange of their certificates of Home common stock for Old Kent common stock. These instructions include a brief discussion of OK Invest Direct, Old Kent's direct stock purchase and dividend reinvestment plan. The relevant portion of these instructions is attached as Exhibit 99.1.

                    This Form 8-K and Exhibit 99.1 hereto are incorporated by reference in the Old Kent Form S-3 Registration Statement (Reg. No. 333-89237) to include the information set forth in the attached instructions.

SIGNATURE

                    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 thereunto duly authorized .

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