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                                                                    EXHIBIT 99.3

                          OTTAWA FINANCIAL CORPORATION
                               245 CENTRAL AVENUE
                            HOLLAND, MICHIGAN 49423
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                           NOTICE OF SPECIAL MEETING

                        TO BE HELD ON NOVEMBER 21, 2000

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     NOTICE IS HEREBY GIVEN that Ottawa Financial Corporation will hold a
special meeting of its shareholders, on November 21, 2000 at 3:00 p.m., local
time, at the Holiday Inn and Conference Center, 650 East 24th Street, Holland,
Michigan. The purpose of the meeting is:


     1. to consider and vote on a proposal to adopt the affiliation agreement,
        dated as of August 31, 2000, by and between Fifth Third Bancorp and
        Ottawa Financial Corporation relating to, among other matters, the
        merger of Ottawa with and into Fifth Third. A copy of the affiliation
        agreement is attached as Annex A to the proxy statement/prospectus
        accompanying this notice; and

     2. to consider and vote upon such other matters as may properly come before
        the meeting.

     YOUR BOARD OF DIRECTORS HAS UNANIMOUSLY APPROVED THE AFFILIATION AGREEMENT
AND RECOMMENDS YOU VOTE "FOR" THE PROPOSAL.

     Only shareholders of record at the close of business on October 2, 2000 are
entitled to notice of and to vote at the special meeting or any adjournments or
postponements of that meeting. A list of Ottawa shareholders entitled to vote at
the special meeting will be available for examination by any shareholder at the
main office of Ottawa during ordinary business hours for at least ten days prior
to the special meeting, as well as at the special meeting.


     It is important that your shares be represented and voted at the special
meeting. The affirmative vote of at least a majority of the issued and
outstanding shares of Ottawa common stock entitled to vote is required to adopt
the affiliation agreement. You can vote your shares by completing and returning
the enclosed proxy card. Registered shareholders, that is, shareholders who hold
their stock in their own name, can also vote their shares over the Internet or
by telephone. If Internet or telephone voting is available to you, voting
instructions are printed on the proxy card sent to you. If your shares are held
in "street name" by a broker or other nominee, you should check the voting form
used by that firm to determine whether you will be able to vote by telephone or
on the Internet. REGARDLESS OF THE NUMBER OF SHARES YOU OWN, YOUR VOTE IS VERY
IMPORTANT. PLEASE ACT TODAY.


     Please review the proxy statement/prospectus accompanying this notice for
more complete information regarding the matter proposed for your consideration
at the special meeting. Should you have any questions or require assistance,
please call Regan & Associates, Inc., who is assisting us, at 1-800-737-3426.

                                          By Order of the Board of Directors

                                          Ronald L. Haan
                                          President, Chief Operating Officer and
                                          Secretary


October 20, 2000


     THE BOARD OF DIRECTORS OF OTTAWA UNANIMOUSLY RECOMMENDS THAT YOU VOTE "FOR"
THE ADOPTION OF THE AFFILIATION AGREEMENT. YOUR SUPPORT IS APPRECIATED.