8-K

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 (date of earliest event reported):
January 9, 2001

Chemical Financial Corporation
(Exact Name of Registrant as
Specified in its Charter)

Michigan (State or Other Jurisdiction of Incorporation)	0-8185 (Commission File Number)	38-2022454 (IRS Employer Identification No.)
333 E. Main Street Midland, Michigan (Address of Principal Executive Offices)		48640 (Zip Code)
Registrant's telephone number, including area code: (517) 839-5350

Item 7.	Financial Statements, Pro Forma Financial Information, and Exhibits.
	(c)	Exhibits
		99.1	Press Release dated January 10, 2001

Item 9. Regulation FD Disclosure

                              Chemical Financial Corporation ("Chemical") has announced that it completed its merger with Shoreline Financial Corporation.

                              A copy of a Press Release, dated January 10, 2001, issued by Chemical relating to the merger, is attached as Exhibit 99.1 and is incorporated herein by reference.

EXHIBIT INDEX

Exhibit No	Document
99.1                                     Press Release dated January 10, 2001.

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 .

Dated:	January 10, 2001	CHEMICAL FINANCIAL CORPORATION (Registrant)
		By:	/s/ Lori A. Gwizdala
			Lori A. Gwizdala Senior Vice President and Chief Financial Officer

EX-99

[Press Release Letterhead]

NASDAQ:	CHFC and SLFC
FOR RELEASE:	IMMEDIATELY
DATE:	JANUARY 10, 2001
CONTACT:	CHEMICAL FINANCIAL CORPORATION ALOYSIUS J. OLIVER (517) 839-5350
	SHORELINE FINANCIAL CORPORATION DAN L. SMITH (616) 927-2251

CHEMICAL FINANCIAL CORPORATION AND
SHORELINE FINANCIAL CORPORATION COMPLETE MERGER

                    Midland, Michigan and Benton Harbor, Michigan -- Aloysius J. Oliver, President and CEO of Chemical Financial Corporation, and Dan L. Smith, Chairman and CEO of Shoreline Financial Corporation, announced today that effective after the close of business on Tuesday, January 9, 2001, Chemical and Shoreline completed the merger of their organizations.

                    With this merger, Chemical now operates from 31 locations in Southwest Michigan. Mr. Oliver said, "We welcome Shoreline's customers to Chemical and look forward to offering new and existing customers a wide range of financial products and services. We are highly committed to the Southwest Michigan communities we now serve and we are excited by this opportunity to expand our operations into this excellent market." Mr. Smith stated, "Chemical is a strong organization and we believe this merger will benefit both our customers and the communities that we serve."

                    Shoreline's shareholders received 0.64 of one share of Chemical common stock for each outstanding share of Shoreline, for a total of approximately 7.4 million Chemical shares.

                    Chemical is a multi-bank holding company headquartered in Midland, Michigan. As a result of completion of the merger, Chemical has 119 banking offices and assets of over $3 billion.

                    Chemical common stock is traded on The Nasdaq Stock Market under the symbol "CHFC."

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