<PAGE>
                               Exhibit 99.2

                   PRIOR YEAR 2000 READINESS DISCLOSURES


Each of the following statements previously made by the Corporation is
being designated as "Year 2000 Readiness Disclosure" under the Year 2000
Information and Readiness Disclosure Act.  These prior Year 2000 Readiness
Disclosures were based in part upon and repeated information provided by
the Corporation's customers, suppliers and other third parties without
independent verification by the Corporation.  These prior Year 2000
Readiness Disclosures are superseded by the Year 2000 Readiness Disclosure
in the Quarterly Report on Form 10-Q for the period ended September 30,
1998.

QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1998

YEAR 2000
Old Kent has completed an analysis of its needs for mainframe and centrally
controlled systems to be able to deal with the advent of the year 2000. 
Diagnosis, reprogramming and other remedies are expected to result in
expenditures of approximately $12 million, over the two years ended
December 31, 1999.  For the six months ended June 30, 1998, approximately
$3.0 million of these expenses were expensed by Old Kent.  As of June 30,
1998, Old Kent's management believes that renovation is more than 50%
complete, that all "critical" software components expected to be needed to
accommodate the year 2000 conversion have been acquired, but that
installation and testing will still be required.

QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1998

YEAR 2000
Old Kent has completed an analysis of its needs for its mainframe and
centrally controlled systems to be able to deal with the advent of the year
2000.  Diagnosis, reprogramming and other remedies are expected to result
in expenditures of approximately $12 million, over the two years ended
December 31, 1999.  As of March 31, 1998, Old Kent's Management believes
that renovation is more than 50% complete.

1997 ANNUAL REPORT, INCORPORATED BY REFERENCE IN
ANNUAL REPORT ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 1997

YEAR 2000 ISSUES
The Corporation is currently in the process of addressing a significant
issue facing all users of automated information systems.  The problem is
that many computer systems that process transactions based on two digits
representing the year of transaction may recognize a date using "00" as the
year 1900 rather than the year 2000.  The problem could affect a wide



<PAGE>
variety of automated information systems, such as mainframe applications,
personal computers and communication systems, in the form of software
failure, errors or miscalculations.  By nature, the banking and financial
services industries are highly dependent upon computer systems because of
significant transaction volumes and a date dependency for interest
measurements on financial instruments such as loans and deposits.

The Corporation initiated its Year 2000 analysis in early 1995.  The
assessment included an inventory of software applications, communications
with third party vendors and suppliers, and certification of compliance
from third party providers.  The Corporation has a comprehensive written
plan, which is regularly updated and monitored by technical personnel. 
Plan status is regularly reviewed by management of the Corporation and
reported upon to the Board of Directors.  The Company is now in active
renovation, with 41% of such efforts completed as of December 31, 1997.

The Corporation will continue to assess the impact of the Year 2000 issue
on the remainder of its computer-based systems and applications throughout
1998.  The Corporation's goal is to perform tests of its systems and
applications during 1998 and to have all systems and applications compliant
with the century change by December 31, 1998, allowing adequate time for
testing and system validation during 1999.

At December 31, 1997, the Corporation estimated it would spend
approximately $1.2 million over the next two years to remediate its Year
2000 issues.  These expenditures will primarily consist of personnel
expense for staff dedicated to the effort, fees paid to third party
providers of remedial services and other project related payments.  It is
the Corporation's policy to expense such costs as incurred.  The
Corporation may also invest in new or upgraded technology which has
definable value lasting beyond 2000.  In these instances, where Year 2000
compliance is merely ancillary, the Corporation may capitalize and
depreciate such an asset over its estimated useful life.

In addition to reviewing its own computer operating systems and
applications, the Corporation has initiated formal communications with its
significant suppliers (operating risk) and large customers (credit risk) to
determine the extent to which Old Kent is vulnerable to those third
parties' failure to resolve their own Year 2000 issues.  There is no
assurance that the systems of other companies on which the Corporation's
systems rely will be timely covered.  If such modifications and conversions
are not made, or are not completed timely, the Year 2000 issue could have
an adverse impact on the operations of the Corporation.

Based on currently available information, management does not presently
anticipate that the costs to address the Year 2000 issues will have a
material adverse impact on the Corporation's financial condition, results
of operations, or liquidity.



<PAGE>
The costs of the project, the date on which the Corporation believes it
will complete the Year 2000 modifications, and the related risk exposures
are based on management's best estimates.  There can be no guarantee that
these estimates will be achieved and actual results could differ from those
anticipated.  Specific factors that might cause differences include, but
are not limited to, the ability of other companies on which the
Corporation's systems rely to modify or convert their systems to be Year
2000 compliant, the ability to locate and correct all relevant computer
codes, and similar uncertainties.


QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1997

YEAR 2000
Old Kent has completed an analysis to assure that its mainframe and
centrally controlled systems are able to deal with the advent of the year
2000.  Diagnosis, reprogramming and other remedies are expected to result
in expenditures of $6-12 million, over the three years ended December 31,
1999.