UNITED STATES
                   SECURITIES AND EXCHANGE COMMISSION
                        WASHINGTON, D.C.  20549


                               FORM 10-Q


[x]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF
     THE SECURITIES EXCHANGE ACT OF 1934


For the quarterly period ended June 30, 2000


Commission File No. 1-14473


               Sky Financial Group, Inc.
(Exact Name of Registrant as Specified in its Charter)

            Ohio                            34-1372535
(State or Other Jurisdiction of            (IRS Employer
Incorporation or Organization)         Identification Number)

221 South Church Street, Bowling Green, Ohio        43402
 (Address of Principal Executive Offices)         (Zip Code)

            (419) 327-6300
   (Registrant's Telephone Number)


Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.     Yes [ X ]   No [   ]


The number of shares outstanding of the Registrant's common stock, without
par value was 77,129,199 at July 31, 2000.













<PAGE  2>

SKY FINANCIAL GROUP, INC.


INDEX

                                                                  Page Number
PART I.   FINANCIAL INFORMATION

Item 1.   Financial Statements (Unaudited)

          Consolidated Balance Sheets
            June 30, 2000 and December 31, 1999 ....................   3

          Consolidated Statements of Income
            Three months ended June 30, 2000 and 1999 and
              Six months ended June 30, 2000 and 1999 ..............   4

          Condensed Consolidated Statements of Changes in
            Shareholders' Equity
              Three months ended June 30, 2000 and 1999 and
                Six months ended June 30, 2000 and 1999 ............   5

          Condensed Consolidated Statements of Cash Flows
            Six months ended June 30, 2000 and 1999 ................   6

          Notes to Consolidated Financial Statements ...............   7

Item 2.   Management's Discussion and Analysis of Financial
            Condition and Results of Operations ....................  15

Item 3.   Quantitative and Qualitative Disclosures
            About Market Risk ......................................  24


PART II.  OTHER INFORMATION

Item 1.   Legal Proceedings ........................................  25

Item 2.   Changes in Securities ....................................  25

Item 3.   Defaults Upon Senior Securities ..........................  25

Item 4.   Submission of Matters to a Vote of Security Holders ......  25

Item 5.   Other Information ........................................  26

Item 6.   Exhibits and Reports on Form 8-K .........................  26


SIGNATURES .........................................................  27


EXHIBIT INDEX ......................................................  28


<PAGE  3>

PART I.  FINANCIAL INFORMATION

Item 1.  Financial Statements

SKY FINANCIAL GROUP, INC.

Consolidated Balance Sheets (Unaudited)
(Dollars in thousands, except share data)   June 30,         December 31,
                                              2000               1999
ASSETS
Cash and due from banks                   $  278,723         $  380,980
Interest-earning deposits
  with financial institutions                 15,501             17,086
Federal funds sold                            19,500              3,100
Loans held for sale                            9,814              9,006
Securities available for sale              1,830,734          1,868,839

Total loans                                5,623,153          5,477,494
  Less allowance for credit losses           (88,018)           (86,750)
     Net loans                             5,535,135          5,390,744

Premises and equipment                       116,949            115,675
Accrued interest receivable
  and other assets                           304,630            278,326
    TOTAL ASSETS                          $8,110,986         $8,063,756

LIABILITIES
Deposits
  Non-interest-bearing deposits           $  774,131         $  757,537
  Interest-bearing deposits                5,014,291          5,001,154
    Total deposits                         5,788,422          5,758,691

Securities sold under repurchase
  agreements and federal funds purchased     666,147            657,913
Debt and Federal Home Loan Bank advances     864,631            915,957
Obligated mandatorily redeemable capital
  securities of subsidiary trusts            108,600             48,600
Accrued interest payable
  and other liabilities                      109,128            116,264
    TOTAL LIABILITIES                      7,536,928          7,497,425

SHAREHOLDERS' EQUITY
Serial preferred stock, $10.00 par value;
  10,000,000 shares authorized;
  none issued                                    --                 --
Common stock, no par value;
  150,000,000 shares authorized;
  78,188,065 and 78,163,065 shares
  issued in 2000 and 1999                    571,271            571,543
Retained earnings                             66,052             34,381
Treasury stock;  1,486,076 and
  274,250 shares in 2000 and 1999            (26,904)            (6,215)
Unearned ESOP shares                            (450)              (717)
Accumulated other comprehensive income       (35,911)           (32,661)
    TOTAL SHAREHOLDERS' EQUITY               574,058            566,331
    TOTAL LIABILITIES AND
      SHAREHOLDERS' EQUITY                $8,110,986         $8,063,756


<PAGE  4>

SKY FINANCIAL GROUP, INC.

Consolidated Statements of Income (Unaudited)

(Dollars in thousands,            Three Months Ended        Six Months Ended
  except per share data)               June 30,                 June 30,
                                   2000       1999          2000       1999
Interest Income
Loans, including fees            $123,463   $109,973      $242,949   $219,322
Securities
  Taxable                          26,465     27,420        53,179     56,010
  Nontaxable                        2,175      2,450         4,427      4,888
Federal funds sold and other          409        627           694      1,157
  Total interest income           152,512    140,470       301,249    281,377

Interest Expense
Deposits                           53,349     48,929       103,942     99,970
Borrowed funds                     23,721     16,255        45,565     32,576
  Total interest expense           77,070     65,184       149,507    132,546

Net Interest Income                75,442     75,286       151,742    148,831

Provision for Credit Losses         4,733      4,552         9,070      8,742
Net Interest Income After
  Provision Credit Losses          70,709     70,734       142,672    140,089

Other Income
Trust income                        3,736      2,975         7,468      5,904
Service charges and fees on
  deposit accounts                  6,695      6,904        12,993     13,757
Mortgage banking income             2,901      5,684         5,610     12,210
Brokerage and insurance
  commissions                       6,332      4,454        12,842      7,343
Collection agency fees                491        666         1,279      1,265
Net securities gains                  665        307           847        619
Net gains on sales of
  commercial financing loans        3,863      3,878         7,225      8,784
Other income                        7,768      8,058        14,804     14,305
  Total other income               32,451     32,926        63,068     64,187

Other Expense
Salaries and employee benefits     28,176     30,747        58,266     60,551
Occupancy and equipment expense     9,189      9,763        18,601     19,456
Other operating expense            19,778     18,627        37,682     36,085
  Total other expenses             57,143     59,137       114,549    116,092

Income Before Income Taxes         46,017     44,523        91,191     88,184
Income taxes                       14,518     13,885        28,586     27,665

  Net Income                     $ 31,499   $ 30,638      $ 62,605   $ 60,519

Earnings per Common Share:
  Basic                          $   0.41   $   0.39      $   0.81   $   0.77
  Diluted                        $   0.41   $   0.39      $   0.81   $   0.77


<PAGE  5>

SKY FINANCIAL GROUP, INC.

Condensed Consolidated Statements of Changes in Shareholders' Equity
(Unaudited)

(Dollars in thousands,          Three Months Ended         Six Months Ended
  except per share data)             June 30,                  June 30,
                                 2000        1999          2000        1999

Balance at
  beginning of period         $571,127    $621,237      $566,331    $611,713

Comprehensive income
Net income                      31,499      30,638        62,605      60,519
Other comprehensive
  income (loss)                 (1,122)    (18,523)       (3,250)    (25,708)
Total comprehensive
  income                        30,377      12,115        59,355      34,811


Common cash dividends          (15,378)    (13,130)      (30,963)    (26,217)
Treasury shares
  acquired                     (12,634)     (3,489)      (23,421)     (6,229)
Treasury shares
  issued                           294         854         1,957       1,465
Shares issued to acquire
  Picton Cavanaugh, Inc.           --        1,174           --        1,174
Effect of conforming the year
  end of pooled affiliate          --          --            --        1,584
Fractional shares
  and other items                  272         508           799         968

Balance at
  end of period               $574,058    $619,269      $574,058    $619,269



Common cash dividends
  per share                   $   0.20    $   0.19      $   0.40    $   0.38















<PAGE  6>

SKY FINANCIAL GROUP, INC.

Condensed Consolidated Statements of Cash Flows
(Unaudited)                                        Six Months Ended
(Dollars in thousands)                                 June 30,
                                                   2000        1999

Net Cash From Operating Activities             $  43,739    $ 162,924

Investing Activities
Net decrease (increase) in interest-
  bearing deposits in other banks                  1,585       (5,441)
Net (increase) decrease in
  federal funds sold                             (16,400)      42,374
Securities available for sale:
  Proceeds from maturities and payments          186,647      428,585
  Proceeds from sales                             15,811      152,050
  Purchases                                     (170,365)    (439,727)
Securities held to maturity:
  Proceeds from maturities and payments              --           920
Proceeds from sales of loans                       4,225       12,870
Net increase in loans                           (158,809)    (164,345)
Purchases of premises and equipment               (8,995)     (13,295)
Purchases of life insurance contracts                --        (4,340)
Proceeds from sales of premises and equipment        606        4,603
Proceeds from sales of other real estate           2,169          852
Net cash from investing activities              (143,526)      15,106

Financing Activities
Cash transferred in connection with
  sale of branch deposits                            --       (95,917)
Purchases of branch deposits, net                    --         4,765
Net increase (decrease) in deposit accounts       29,731     (156,741)
Net increase in federal funds and
  repurchase agreements                            8,234       36,467
Net decrease in short-term FHLB advances         (43,700)     (48,908)
Proceeds from issuance of debt
  and long-term FHLB advances                    303,000      115,390
Repayment of debt and long-term
  FHLB advances                                 (250,626)     (25,595)
Cash dividends and fractional shares paid        (31,124)     (26,093)
Proceeds from issuance of common stock             1,605        2,288
Treasury stock purchases                         (19,590)      (6,229)
Other items                                          --           (93)
Net cash from financing activities                (2,470)    (200,666)

Net decrease in cash and due from banks         (102,257)     (22,636)
Effect on cash of conforming the year end
  of pooled entity                                   --         3,331
Cash and due from banks at beginning of year     380,980      247,284
Cash and due from banks at end of period       $ 278,723    $ 227,979

Cash paid for interest                         $ 150,920    $ 132,907
Cash paid for income taxes                     $  30,100    $  19,752

Noncash Transactions
Securitization of loans held for sale          $     --     $   3,880


<PAGE  7>

SKY FINANCIAL GROUP, INC.


Notes to Consolidated Financial Information  (Unaudited)

(Dollars in thousands, except per share data)


1.   Accounting Policies

Sky Financial Group, Inc. (Sky Financial) is a financial services holding
company headquartered in Bowling Green, Ohio.  Sky Financial has three bank
subsidiaries primarily engaged in the commercial banking business in Ohio,
southern Michigan, western Pennsylvania and West Virginia.  Sky Financial
also operates several financial services companies which complement its
banks, including a trust company, broker/dealer operation, insurance agency,
commercial finance unit and collections affiliate.

The accounting and reporting policies followed by Sky Financial conform to
generally accepted accounting principles and to general practices within the
financial services industry.  The preparation of financial statements in
conformity with generally accepted accounting principles requires management
to make estimates and assumptions that affect the reported amounts of assets
and liabilities and disclosure of contingent assets and liabilities at the
date of the financial statements.  Actual results could differ from those
estimates.  The allowance for loan losses and fair values of financial
instruments are particularly subject to change.

These interim financial statements are prepared without audit and reflect all
accruals of a normal recurring nature which, in the opinion of management,
are necessary to present fairly the consolidated financial position of Sky
Financial at June 30, 2000, and its results of operations and cash flows
for the periods presented.  Certain amounts in prior financial statements
have been reclassified to conform to the current presentation.  The
accompanying consolidated financial statements do not contain all financial
disclosures required by generally accepted accounting principles.  Sky
Financial's Annual Report for the year ended December 31, 1999, contains
consolidated financial statements and related notes which should be read in
conjunction with the accompanying consolidated financial statements.

The consolidated financial statements of Sky Financial include the accounts
of Sky Bank, Mid Am Bank, The Ohio Bank (Ohio Bank), Sky Asset Management
Services, Inc. (SAMSI), Sky Investments, Inc. (SII), Sky Financial Solutions,
Inc. (SFS), Mid Am Financial Services, Inc. (MAFSI), Sky Trust, N.A., (Sky
Trust), Sky Technology Resources, Inc. (Sky Tech), Mid Am Capital Trust I
(MACT), Sky Financial Group Capital Trust I (SFGCT), First Western Capital
Trust I (FWCT), First Western Investment Services, Inc. (FWIS), First Western
Bancorp, Inc. (First Western), Picton Cavanaugh, Inc. (Picton), Freedom
Financial Life Insurance Company and various other insignificant
subsidiaries.  All significant intercompany transactions and accounts have
been eliminated in consolidation.



<PAGE  8>


New Accounting Pronouncements

Beginning January 1, 2001, a new accounting standard will require all
derivatives to be recorded at fair value.  Unless designated as hedges,
changes in these fair values will be recorded in the income statement.  Fair
value changes involving hedges will generally be recorded by offsetting gains
and losses on the hedge and on the hedged item, even if the fair value of the
hedged item is not otherwise recorded.  This is not expected to have a
material effect, but the effect will depend on derivative holdings when this
standard applies.  This standard may be adopted early at the beginning of any
fiscal quarter.


2.  Mergers and Acquisitions

On July 13, 2000, Sky Financial acquired the Meyer & Eckenrode Insurance
Group, Inc., a full service insurance agency based in Carnegie, Pennsylvania.
Meyer & Eckenrode shareholders received 0.6 million shares of Sky Financial
common stock in a tax-free exchange accounted for as a purchase.

On September 30, 1999, Mahoning National Bancorp, Inc. (Mahoning Bancorp)
affiliated with Sky Financial in a tax-free exchange with a total of 11.4
million Sky Financial common shares issued in the merger.  Mahoning Bancorp
was an $847 million bank holding company with offices in northeastern Ohio.
Its subsidiary, Mahoning National Bank of Youngstown, was operated as a
wholly-owned subsidiary of Sky Financial until April 14, 2000, when it was
merged into Sky Bank.

On August 6, 1999, First Western Bancorp, Inc. affiliated with Sky Financial
in a tax-free exchange with a total of 15.0 million Sky Financial common
shares issued in the merger.  First Western was a $2.2 billion bank holding
company with offices in northwestern Pennsylvania and eastern Ohio.  First
Western's bank affiliate, First Western Bank, N. A., was merged into Sky
Bank.

Effective July 16, 1999, Wood Bancorp, Inc., Bowling Green, Ohio (Wood
Bancorp), affiliated with Sky Financial in a tax-free exchange with a total
of 2.3 million Sky Financial common shares issued in the merger.  Wood
Bancorp was a $167 million bank holding company with offices located in
northwestern Ohio.  Wood Bancorp's subsidiary, First Federal Bank, was merged
into Mid Am Bank.

Each of these mergers was accounted for as a pooling of interests.
Accordingly, all financial information has been restated to include the
historical information of the merged entities.

On May 1, 1999, Sky Financial completed its acquisition of Picton Cavanaugh,
Inc., a full-service insurance agency based in Toledo, Ohio.  Picton
Cavanaugh shareholders received 0.3 million Sky Financial's common shares in
a tax-free exchange accounted for as a pooling of interests.  Since Picton
Cavanaugh's financial statements were not material compared to Sky
Financial's, prior financial statements were not restated.



<PAGE  9>


3.  Securities Available for Sale

The amortized costs, unrealized gains and losses and estimated fair values at
June 30, 2000 and December 31, 1999 are as follows:


                                            Gross        Gross      Estimated
                            Amortized     Unrealized   Unrealized      Fair
                               Cost         Gains        Losses        Value
June 30, 2000

U.S. Treasury and U.S.
  Government agencies      $  653,574      $   113     $(22,277)   $  631,410
Obligations of states and
  political subdivisions      178,276          764       (2,225)      176,815
Corporate and other
  securities                   22,280            5         (354)       21,931
Mortgage-backed
  securities                  881,862          648      (23,385)      859,125
Total debt securities
  available for sale        1,735,992        1,530      (48,241)    1,689,281
Marketable equity
  securities                  149,987        3,768      (12,302)      141,453
Total securities
  available for sale       $1,885,979      $ 5,298     $(60,543)   $1,830,734



December 31, 1999

U.S. Treasury and U.S.
  Government agencies      $  691,045      $   331     $(16,936)   $  674,440
Obligations of states and
  political subdivisions      192,111        1,335       (2,606)      190,840
Corporate and other
  securities                   21,170          --          (367)       20,803
Mortgage-backed
  securities                  865,857          379      (24,629)      841,607
Total debt securities
  available for sale        1,770,183        2,045      (44,538)    1,727,690
Marketable equity
  securities                  148,904        3,534      (11,289)      141,149
Total securities
  available for sale       $1,919,087      $ 5,579     $(55,827)   $1,868,839









<PAGE 10>


4. Loans

The loan portfolios are as follows:

                                    June 30, 2000       December 31, 1999
Real estate loans:
  Construction                        $  150,840           $  176,940
  Residential mortgage                 1,655,403            1,744,162
  Non-residential mortgage             1,517,799            1,296,019
Commercial, financial and
  agricultural                         1,372,036            1,411,902
Installment and credit card loans        917,311              834,106
Other loans                                9,764               14,365
  Total loans                         $5,623,153           $5,477,494



5.  Debt and Federal Home Loan Bank Advances

Sky Financial's debt and Federal Home Loan Bank (FHLB) advances are as
follows:
                                        June 30, 2000      December 31, 1999

Borrowings under bank line of credit      $  44,000            $  84,000
Borrowings under FHLB lines of credit       767,888              763,170
Subordinated note, 7.08%, January 2008       50,000               50,000
Obligated mandatorily redeemable capital
  securities of subsidiary trusts
    Due February 2027 at 9.875%              25,000               25,000
    Due June 2027 at 10.20%                  23,600               23,600
    Due May 2030 at 9.34%                    60,000                  --
Capital lease obligations                     1,843                1,903
Other items                                     900               16,884
  Total debt and FHLB advances            $ 973,231            $ 964,557



6.  Other Comprehensive Income

Other comprehensive income consisted of the following:

                                  Three Months Ended        Six Months Ended
                                       June 30,                 June 30,
                                    2000       1999          2000      1999
Other comprehensive income (loss)
  Unrealized securities losses
    arising during period        $(1,058)   $(28,166)     $(4,150)  $(38,920)
  Reclassification adjustment
    for gains included in income    (665)       (307)        (847)      (619)
Net unrealized losses on
  securities available for sale   (1,723)    (28,473)      (4,997)   (39,539)
Tax effect                           601       9,950        1,747     13,831
Total other comprehensive loss   $(1,122)   $(18,523)     $(3,250)  $(25,708)


<PAGE 11>

7.  Earnings Per Share

Basic earnings per share is computed by dividing net income by the weighted
average number of shares outstanding during the period, as restated for
shares issued in business combinations accounted for as pooling-of-interests,
stock splits and stock dividends.  Diluted earnings per share is computed
using the weighted average number of shares determined for the basic
computation plus the number of shares of common stock that would be issued
assuming all contingently issuable shares having a dilutive effect on
earnings per share were outstanding for the period.  For the three months
ended and the six months ended June 30, 2000, there were 3,090,000 weighted
shares and 2,994,000 weighted shares, respectively, under option excluded
from the diluted earnings per share calculation as they were anti-dilutive.

Earnings per share data have also been restated for the 10% stock dividend
declared in September 1999 and paid November 1, 1999.

The weighted average number of common shares outstanding for basic and
diluted earnings per share computations were as follows:

(Shares in thousands)            Three Months Ended        Six Months Ended
                                      June 30,                 June 30,
                                  2000        1999          2000       1999
Numerator:
Net income                      $31,499     $30,638       $62,605    $60,519

Denominator:
Weighted-average common
  shares outstanding (basic)     77,182      78,196        77,401     78,097
Exercise of options                 325         858           346        849
Weighted-average common
  shares outstanding (diluted)   77,507      79,054        77,747     78,946

Earnings per share:
Basic                           $  0.41     $  0.39       $  0.81    $  0.77
Diluted                         $  0.41     $  0.39       $  0.81    $  0.77



8.  Capital Resources

The Federal Reserve Board (FRB) has established risk-based capital guidelines
that must be observed by financial service holding companies and banks.
Failure to meet specified minimum capital requirements can result in certain
mandatory actions by primary regulators of Sky Financial and its bank
subsidiaries that could have a material effect on Sky Financial's financial
condition or results of operations.  Under capital adequacy guidelines, Sky
Financial and its bank subsidiaries must meet specific quantitative measures
of their assets, liabilities and certain off balance sheet items as
determined under regulatory accounting practices.  Sky Financial's and its
banks' capital amounts and classification are also subject to qualitative
judgments by the regulators about components, risk weightings and other
factors.  Management believes, as of June 30, 2000, that Sky Financial and
its banks meet all capital adequacy requirements to which they are subject.



<PAGE 12>

Sky Financial and its banks have been notified by their respective regulators
that, as of the most recent regulatory examinations, each is regarded as well
capitalized under the regulatory framework for prompt corrective action.
Such determinations have been made evaluating Sky Financial and its banks
under Tier I, total capital, and leverage ratios.  There are no conditions or
events since these notifications that management believes have changed any of
the well capitalized categorizations of Sky Financial and its bank
subsidiaries.

The following table presents the capital ratios of Sky Financial.

                                   June 30, 2000       December 31, 1999
Total adjusted average assets
  for leverage ratio                 $7,965,580           $7,909,479
Risk-weighted assets and
  off-balance-sheet financial
  instruments for capital ratio       6,570,572            6,206,820
Tier I capital                          682,967              612,257
Total risk-based capital                829,401              751,976
Leverage ratio                              8.6%                 7.7%
Tier I capital ratio                       10.4                  9.9
Total capital ratio                        12.6                 12.1



Capital ratios applicable to Sky Financial's banking subsidiaries at
June 30, 2000 were as follows:
                                                            Total
                                                 Tier I   Risk-based
                                     Leverage    Capital    Capital
Regulatory Capital Requirements
     Minimum                            4.0%       4.0%       8.0%
     Well-capitalized                   5.0        6.0       10.0
Bank Subsidiaries
     Sky Bank                           7.5       10.8       13.0
     Mid Am Bank                        8.0        9.1       11.3
     Ohio Bank                          6.5        8.0       10.2


In September, 1999, the Board of Directors of Sky Financial authorized
management to undertake purchases of up to 3,850,000 shares of Sky
Financial's outstanding common stock over a twelve month period in the open
market or in privately negotiated transactions.  The shares reacquired are
held as treasury stock and reserved for use in Sky Financial's stock option
plan and for future stock dividend declarations.  As of June 30, 2000, Sky
Financial had repurchased approximately 1,662,000 shares of common stock
pursuant to its 1999 repurchase program.  As of July 31, 2000, Sky Financial
had repurchased approximately 1,843,000 shares of common stock pursuant to
its 1999 repurchase program.




<PAGE 13>


9.  Line of Business Reporting

Sky Financial manages and operates two major lines of business: community
banking and financial service affiliates.  Community banking includes lending
and related services to businesses and consumers, mortgage banking and
deposit-gathering.  Financial service affiliates consist of non-banking
companies engaged in commercial finance lending and leasing, broker/dealer
operations, non-conforming mortgage lending, collection activities, trust and
wealth management, insurance and other financial-related services.

The reported line of business results reflect the underlying core operating
performance within the business units.  Parent and Other is comprised of the
parent company and several smaller business units.  It includes the net
funding cost of the parent company and intercompany eliminations.  Expenses
for centrally provided services and support are fully allocated based
principally upon estimated usage of services.  All significant non-recurring
items of income and expense company-wide are included in Parent and Other.
Prior periods have been presented to conform with current reporting
methodologies.  Substantially all of Sky Financial's assets are part of the
community banking line of business.

Selected segment information for the three months ended June 30, 2000 is
included in the following table:

                                         Financial     Parent
Three Months Ended          Community     Service        and    Consolidated
June 30,                     Banking     Affiliates     Other       Total

2000
Net interest income          $77,304     $   607     $ (2,469)    $ 75,442
Provision for credit losses    4,674          59          --         4,733
Net interest income
  after provision             72,630         548       (2,469)      70,709
Other income                  18,029      15,476       (1,054)      32,451
Other expenses                44,350      14,439       (1,646)      57,143
Income (loss) before
  income taxes                46,309       1,585       (1,877)      46,017
Income taxes                  14,661         605         (748)      14,518
Net income (loss)            $31,648     $   980     $ (1,129)    $ 31,499


1999
Net interest income          $76,611     $   588     $ (1,913)    $ 75,286
Provision for credit losses    4,450         102          --         4,552
Net interest income
  after provision             72,161         486       (1,913)      70,734
Other income                  18,433      14,339          154       32,926
Other expenses                44,929      13,537          671       59,137
Income (loss) before
  income taxes                45,665       1,288       (2,430)      44,523
Income taxes                  14,489         495       (1,099)      13,885
Net income (loss)            $31,176     $   793     $ (1,331)    $ 30,638




<PAGE 14>


Selected segment information for the six months ended June 30, 2000 is
included in the following table:


                                         Financial     Parent
Six Months Ended            Community     Service        and    Consolidated
June 30,                     Banking     Affiliates     Other       Total

2000
Net interest income         $155,030     $ 1,122     $ (4,410)    $151,742
Provision for credit losses    8,935         135          --         9,070
Net interest income
  after provision            146,095         987       (4,410)     142,672
Other income                  33,596      30,983       (1,511)      63,068
Other expenses                89,329      28,541       (3,321)     114,549
Income (loss) before
  income taxes                90,362       3,429       (2,600)      91,191
Income taxes                  28,514       1,275       (1,203)      28,586
Net income (loss)           $ 61,848     $ 2,154     $ (1,397)    $ 62,605


1999
Net interest income         $151,664     $ 1,110     $ (3,943)    $148,831
Provision for credit losses    8,598         144          --         8,742
Net interest income
  after provision            143,066         966       (3,943)     140,089
Other income                  36,612      27,530           45       64,187
Other expenses                90,365      25,335          392      116,092
Income (loss) before
  income taxes                89,313       3,161       (4,290)      88,184
Income taxes                  28,316       1,186       (1,837)      27,665
Net income (loss)           $ 60,997     $ 1,975     $ (2,453)    $ 60,519





















<PAGE 15>


Item 2.  Management's Discussion and Analysis of Financial Condition and
           Results of Operations

(Dollars in thousands, except per share data)


Three Months Ended June 30, 2000 and 1999


Results of Operations

Net income for the second quarter of 2000 was $31,499, an increase of $861
over the second quarter of 1999 earnings of $30,638.  Diluted earnings per
common share for the second quarter of 2000 was $.41 ($.41 basic), as
compared to $.39 ($.39 basic) for the same period in 1999.  Return on average
equity (ROE) was 21.97% and return on average assets (ROA) was 1.58% for the
second quarter of 2000 compared to 19.61% and 1.59%, respectively, in 1999.


Business Line Results

Sky Financial's business line results for the second quarter ended June 30,
2000 and 1999 are summarized in the table below.

                                           Net Income (Loss)
Quarter Ended June 30,                   2000            1999

Community Banking                     $ 31,648        $ 31,176
Financial Service Affiliates               980             793
Parent and Other                        (1,129)         (1,331)
Consolidated                          $ 31,499        $ 30,638


The increase in community banking net income in 2000 was primarily due to
growth in net interest income and reductions in non-interest expense,
partially offset by a decrease in mortgage banking income.  The efficiency
ratio was 45.6% for the second quarter of 2000 compared to 46.3% in the
second quarter of 1999.  The 2000 community banking results reflect a ROE of
21.72% and a ROA of 1.63% compared to 20.88% and 1.65%, respectively, in the
second quarter of 1999.

The financial service affiliates' earnings reflect Sky Financial's continued
investment in the development and growth of these businesses.  While earnings
remain modest, revenues have grown 8% in 2000, primarily due to an increase
of $1,879 in brokerage and insurance commissions and an increase of $759 in
trust income.

Parent and other includes the net funding costs of the parent company and all
significant non-recurring items of income and expense.  The reason for the
improvement in parent and other business segment is a reduction in non-
interest expense.



<PAGE 16>

Net Interest Income

Net interest income for the second quarter of 2000 was $75,442, basically
even from $75,286 in the second quarter of 1999.  Net interest income, the
difference between interest income earned on interest-earning assets and
interest expense incurred on interest-bearing liabilities, is the most
significant component of the Company's earnings.  Net interest income is
affected by changes in the volumes, rates and composition of interest-earning
assets and interest-bearing liabilities.  For the second quarter of 2000,
average loans were $5,596,000, increasing 9% from the second quarter of 1999.
Sky Financial's net interest margin for the three months ended June 30, 2000
decreased to 4.19% as compared to 4.31% for the same period in 1999.  The
continued increase in short-term interest rates and the cost of funding share
repurchases were the primary factors contributing to the net interest margin
decline.


Provision for Credit Losses

The provision for credit losses represents the charge to income necessary to
adjust the allowance for loan losses to an amount that represents
management's assessment of the estimated probable credit losses inherent in
Sky Financial's loan portfolio which have been incurred at each balance sheet
date.  The provision for credit losses increased $181 or 4% to $4,733 in
the second quarter of 2000 compared to $4,552 in the second quarter of 1999.
The higher provision for credit losses in the second quarter of 2000 was
attributable to higher net charge-offs and growth in the loan portfolio.
Net charge-offs were $4,545 or 0.32% (annualized) of average loans during the
three months ended June 30, 2000, compared to $4,261 or 0.33% (annualized)
for the same period in 1999.

                                  June 30,     December 31,      June 30,
                                    2000           1999            1999
Allowance for credit losses
  as a percentage of loans          1.57%          1.58%           1.58%
Allowance for credit losses
  as a percentage of
  non-performing loans            492.99         445.10          504.46


Other Income

The change in other income reflects the emphasis of Sky Financial on
expanding its fee-based businesses, diversifying its revenue sources and
adding to profitability beyond traditional banking products and services to
offset cyclical declines in mortgage banking.  Other income for the second
quarter of 2000 was $32,451, a decrease of $475 or 1% from the $32,926 for
the same quarter of 1999.  The decrease was primarily due to a decrease of
$2,783 in mortgage banking income, a decrease of $175 in collection agency
fees and a decrease in service charges and fees on deposit accounts of $209.
The decreases were partially offset by an increase of $1,878 in brokerage and
insurance commissions, an increase of $761 in trust income and an increase of
$358 in net securities gains.  The decrease in mortgage banking revenue was
due to lower origination volumes caused primarily by rising interest rates.
The increase in brokerage and insurance commissions was primarily due to the
acquisition of Picton Cavanaugh in the second quarter of 1999 and increased
volumes.


<PAGE 17>

Other Expense

Other expense for the second quarter of 2000 was $57,143, a decrease of
$1,994 or 3% from the $59,137 reported for the same quarter of 1999.  The
efficiency ratio was 51.93% for the second quarter of 2000, decreasing from
53.58% for the same quarter last year.  Salaries and employee benefits, which
comprise the largest component of other expense, decreased $2,571 or 8% in
the second quarter of 2000 as compared to the same period in 1999.  Expense
savings realized from the acquisitions completed in 1999, primarily related
to staffing costs, have more than offset increased other expenses to support
revenue growth.  Occupancy and equipment expense decreased $574 or 6% and
other expenses increased $1,151 or 6% to $19,778 in 2000 from $18,627 in
1999.


Income Taxes

The provision for income taxes for the second quarter of 2000 increased
$633 to $14,518 from $13,885 for the same period in 1999.  The effective tax
rate for the second quarter of 2000 was 31.5% as compared to 31.2% for the
same period in 1999.




Six Months Ended June 30, 2000 and 1999


Results of Operations

Net income for the six months ended June 30, 2000 was $62,605, an increase of
$2,086 over the six months ended June 30, 1999 earnings of $60,519.  Diluted
earnings per common share year to date for 2000 was $.81 ($.81 basic), as
compared to $.77 ($.77 basic) for the same period in 1999.  Return on average
equity was 21.91% and return on average assets was 1.58% for the six months
ended June 30, 2000 compared to 19.54% and 1.57%, respectively, in 1999.


Business Line Results

Sky Financial's business line results for the six months ended June 30, 2000
and 1999 are summarized in the table below.

                                           Net Income (Loss)
Six Months Ended June 30,                2000            1999

Community Banking                     $ 61,848        $ 60,997
Financial Service Affiliates             2,154           1,975
Parent and Other                        (1,397)         (2,453)
Consolidated                          $ 62,605        $ 60,519



<PAGE 18>


The increase in community banking net income in 2000 was primarily due to
growth in net interest income and reductions in non-interest expense,
partially offset by a decrease in mortgage banking income.  The efficiency
ratio was 46.4% for the six months ended June 30, 2000 compared to 47.0% in
the same period of 1999.  The 2000 community banking results reflect a ROE of
21.43% and a ROA of 1.59% compared to 20.64% and 1.60%, respectively, in the
six months ended June 30, 1999.

The financial service affiliates' earnings reflect Sky Financial's continued
investment in the development and growth of these businesses.  While earnings
remain modest, revenues have grown 13% in 2000, primarily due to an increase
of $5,498 in brokerage and insurance commissions and an increase of $1,484 in
trust income.

Parent and other includes the net funding costs of the parent company and all
significant non-recurring items of income and expense.  The reason for the
improvement in parent and other business segment is a reduction in non-
interest expense.


Net Interest Income

Net interest income increased $2,911 to $151,742 in the six months ended June
30, 2000 as compared to $148,831 for the same period in 1999.  Net interest
income, the difference between interest income earned on interest-earning
assets and interest expense incurred on interest-bearing liabilities, is the
most significant component of the Company's earnings.  Net interest income is
affected by changes in the volumes, rates and composition of interest-earning
assets and interest-bearing liabilities.  For the six months ended June 30,
2000, average loans were $5,553,000, increasing 9% from the six months ended
June 30, 1999.  Sky Financial's net interest margin for the six months ended
June 30, 2000 decreased to 4.23% as compared to 4.27% for the same period in
1999.  The continued increase in short-term interest rates and the cost of
funding share repurchases were the primary factors contributing to the net
interest margin decline.


Provision for Credit Losses

The provision for credit losses represents the charge to income necessary to
adjust the allowance for loan losses to an amount that represents
management's assessment of the estimated probable credit losses inherent in
Sky Financial's loan portfolio which have been incurred at each balance sheet
date.  The provision for credit losses increased $328 or 4% to $9,070 in
the six months ended June 30, 2000 compared to $8,742 in the six months ended
June 30, 1999.  The higher provision for credit losses in the six months
ended June 30, 2000 was attributable to higher net charge-offs and growth in
the loan portfolio.  Net charge-offs were $7,802 or 0.28% (annualized) of
average loans during the six months ended June 30, 2000, compared to $7,065
or 0.28% (annualized) for the same period in 1999.





<PAGE 19>


Other Income

The change in other income reflects the emphasis of Sky Financial on
expanding its fee-based businesses, diversifying its revenue sources and
adding to profitability beyond traditional banking products and services to
offset cyclical declines in mortgage banking.  Other income for the six
months ended June 30, 2000 was $63,068, a decrease of $1,119 or 2% from the
$64,187 for the same period in 1999.  The decrease was primarily due to a
decrease of $6,600 in mortgage banking income, a decrease of $1,559 in net
gains on sales of commercial financing loans and a decrease in service
charges and fees on deposit accounts of $764.  The decreases were partially
offset by an increase of $5,499 in brokerage and insurance commissions, an
increase of $1,564 in trust income and an increase of $499 in other income.
The decrease in mortgage banking revenue was due to lower origination volumes
caused primarily by rising interest rates.  The increase in brokerage and
insurance commissions was primarily due to the acquisition of Picton
Cavanaugh in the second quarter of 1999 and increased volumes.


Other Expense

Other expense for the six months ended June 30, 2000 was $114,549, a decrease
of $1,543 or 1% from the $116,092 reported for the same period in 1999.  The
efficiency ratio was 52.30% for the six months ended June 30, 2000,
decreasing from 53.43% for the same period last year.  Salaries and employee
benefits, which comprise the largest component of other expense, decreased
$2,285 or 4% in the six months ended June 30, 2000 as compared to the same
period in 1999.   Expense savings realized from the acquisitions completed in
1999, primarily related to staffing costs, have more than offset increased
other expenses to support revenue growth.  Occupancy and equipment expense
decreased $855 or 4% and other expenses increased $1,597 or 4% to $37,682 in
2000 from $36,085 in 1999.


Income Taxes

The provision for income taxes for the six months ended June 30, 2000
increased $921 to $28,586 from $27,665 in 1999.  The effective tax rate for
the six months ended June 30, 2000 was 31.3% as compared to 31.4% for the
same period in 1999.






Balance Sheet

At June 30, 2000, total assets were $8,110,986, an increase of $47,230 from
December 31, 1999.  The increase was primarily attributable to continued
strong growth in loans, up $145,659 to $5,623,153, partially offset by a
reduction in cash and due from banks of $102,257.  The net growth in assets
was funded primarily by growth in total deposits, up $29,731 and borrowed
funds, up $16,908.


<PAGE 20>

Shareholders' equity totaled $574,058 at June 30, 2000, increasing $7,727
from December 31, 1999.  Net retained earnings (net income less cash
dividends) for the six months ended June 30, 2000 totaled $31,642.  This
increase was offset mainly by a net increase in treasury stock of $20,689 as
Sky Financial continued to repurchase shares, as authorized by its Board of
Directors, for issuance in future stock dividends and stock option plans
(see Note 8).


Non-Performing Assets

The following table presents the aggregate amounts of non-performing assets
and respective ratios on the dates indicated.

                                  June 30,     December 31,      June 30,
                                    2000           1999            1999

Non-accrual loans                 $16,643        $17,423         $13,977
Restructured loans                  1,211          2,067           2,369
Total non-performing loans         17,854         19,490          16,346
Other real estate owned             2,450          3,293           2,589
Total non-performing assets       $20,304        $22,783         $18,935

Loans 90 days or more past due
  and not on non-accrual          $ 7,422        $ 9,538         $ 9,045
Non-performing loans to
  total loans                        0.32%          0.36%           0.31%
Non-performing assets to
  total loans plus other
  real estate owned                  0.36           0.42            0.36
Allowance for credit losses to
  total non-performing loans       492.99         445.10          504.46
Loans 90 days or more past due
  and not on non-accrual to
  total loans                        0.13           0.17            0.17


Loans now current but where some concerns exist as to the ability of the
borrower to comply with present loan repayment terms, excluding non-
performing loans, approximated $52,142 and $40,825 at June 30, 2000 and
December 31, 1999, respectively, and are being closely monitored by
management and the Boards of Directors of the subsidiaries.  The
classification of these loans, however, does not imply that management
expects losses on each of these loans, but rather that a higher level of
scrutiny is prudent under the circumstances.  In the opinion of management,
these loans require close monitoring despite the fact that they are
performing according to their terms.  Such classifications relate to
specific concerns relating to each individual borrower and do not relate to
any concentrated risk elements common to all loans in this group.

As of June 30, 2000, Sky Financial did not have any loan concentrations
which exceeded 10% of total loans.



<PAGE 21>

Allowance for Credit Losses

The following table presents a summary of Sky Financial's credit loss
experience for the six months ended June 30, 2000 and 1999.

                                          2000             1999
Balance of allowance at
  beginning of year                     $86,750          $80,748

Loans charged-off:
  Real estate                              (798)          (1,351)
  Commercial and agricultural            (4,268)          (1,757)
  Installment and credit card            (6,889)          (6,046)
  Other loans                              (453)              (6)
    Total loans charged-off             (12,408)          (9,160)

Recoveries:
  Real estate                               651              173
  Commercial and agricultural             2,068              485
  Installment and credit card             1,880            1,417
  Other loans                                 7               20
    Total recoveries                      4,606            2,095

Net loans charged-off                    (7,802)          (7,065)
Provision charged to operating
  expense                                 9,070            8,742
Effect of conforming year end
  of pooled entity                          --                34
Balance of allowance at
  end of period                         $88,018          $82,459

Ratio of net charge-offs to
  average loans outstanding                0.28%           0.28%
Allowance for credit losses
  to total loans                           1.57             1.58
Allowance for credit losses
  to total non-performing loans          492.99           504.46


Sky Financial maintains an allowance for credit losses at a level adequate to
absorb management's estimate of probable losses inherent in the loan
portfolio.  The allowance is comprised of a general allowance, a specific
allowance for identified problem loans and an unallocated allowance.

The general allowance is determined by applying estimated loss factors to the
credit exposures from outstanding loans.  For construction, commercial and
commercial real estate loans, loss factors are applied based on internal risk
grades of these loans.  For residential real estate, installment, credit card
and other loans, loss factors are applied on a portfolio basis.  Loss factors
are based on peer and industry loss data compared to Sky Financial's
historical loss experience, and are reviewed for correction on a quarterly
basis, along with other factors affecting the collectibility of the loan
portfolio.


<PAGE 22>

Specific allowances are established for all criticized and classified loans,
where management has determined that, due to identified significant
conditions, the probability that a loss has been incurred exceeds the general
allowance loss factor determination for those loans.

The unallocated allowance recognizes the estimation risk associated with
the allocated general and specific allowances and incorporates management's
evaluation of existing conditions that are not included in the allocated
allowance determinations.  These conditions are reviewed quarterly by
management and include general economic conditions, credit quality trends,
and internal loan review examination findings.

The following table sets forth Sky Financial's allocation of the allowance
for credit losses as of June 30, 2000 and December 31, 1999.

                              June 30, 2000       December 31, 1999
  Construction                   $    36              $   707
  Real estate                     26,456               22,186
  Commercial, financial
    and agricultural              17,023               15,365
  Installment and credit card     24,441               22,434
  Other loans                        925                  800
  Unallocated                     19,137               25,258
    Total                        $88,018              $86,750


Liquidity

The liquidity of a financial institution reflects its ability to provide
funds to meet requests, to accommodate possible outflows in deposits and to
take advantage of interest rate market opportunities.  Funding of loan
requests, providing for liability outflows, and management of interest rate
fluctuations require continuous analysis in order to match the maturities of
specific categories of short-term loans and investments with specific types
of deposits and borrowings.  Financial institution liquidity is thus normally
considered in terms of the nature and mix of the institution's sources and
uses of funds.

Sky Financial's banking subsidiaries maintain adequate liquidity primarily
through the use of investment securities and unused borrowing capacity, in
addition to maintaining a stable core deposit base.  At June 30, 2000,
securities and other short-term investments with maturities of one year or
less totaled $177,967, with additional liquidity provided by the remainder of
the investment portfolio.  The banks utilize several short-term and long-term
borrowing sources.  Each of the banking subsidiaries is a member of the
Federal Home Loan Bank (FHLB) and have lines of credit with the FHLB.  At
June 30, 2000, these lines of credit enable the banks to borrow up to
$874,089, of which $767,888 is currently outstanding.

Since Sky Financial is a holding company and does not conduct operations, its
primary sources of liquidity are borrowings from outside sources and
dividends paid to it by its subsidiaries.  For the banking subsidiaries,
regulatory approval is required in order to pay dividends in excess of the
subsidiaries' earnings retained for the current year plus retained net
profits for the prior two years.  As a result of these restrictions,
dividends which could be paid to Sky Financial by its bank subsidiaries,
without prior regulatory approval, were limited to $38,968 at June 30, 2000.


<PAGE 23>

In March, 2000, Sky Financial renegotiated an agreement with unrelated
financial institutions which enabled Sky Financial to borrow up to $120,000
through March 6, 2001.  At June 30, 2000, Sky Financial had borrowings of
$44,000 under this agreement.

On March 31, 2000, Sky Financial completed the issuance of $60,000 of trust
preferred securities.  The proceeds from this issuance will be used to
continue its share repurchases, as authorized by the Board of Directors, for
use in future stock dividends and stock option plans.


Asset/Liability Management

Closely related to liquidity management is the management of interest-earning
assets and interest-bearing liabilities.  Sky Financial manages its rate
sensitivity position to avoid wide swings in net interest margins and to
minimize risk due to changes in interest rates.  At June 30, 2000, Sky
Financial had a manageable negative gap position and therefore does not
expect to experience any significant fluctuations in its net interest income
as a consequence of changes in interest rates.  See also Item. 3,
"Quantitative and Qualitative Disclosures About Market Risk."


Forward-Looking Statements

This report includes forward-looking statements by Sky Financial relating to
such matters as anticipated operating results, prospects for new lines of
business, technological developments, economic trends (including interest
rates), reorganization transactions and similar matters.  The Private
Securities Litigation Reform Act of 1995 provides a safe harbor for forward-
looking statements, and the purpose of this paragraph is to secure the use of
the safe harbor provisions.  While Sky Financial believes that the
assumptions underlying the forward-looking statements contained herein and in
other public documents are reasonable, any of the assumptions could prove to
be inaccurate, and accordingly, actual results and experience could differ
materially from the anticipated results or other expectations expressed by
Sky Financial in its forward-looking statements.  Factors that could cause
actual results or experience to differ from results discussed in the forward-
looking statements include, but are not limited to: economic conditions;
volatility and direction of market interest rates; capital investment in and
operating results on non-banking business ventures of Sky Financial;
governmental legislation and regulation; material unforeseen changes in the
financial condition or results of operations of Sky Financial's customers;
customer reaction to and unforeseen complications with respect to Sky
Financial's restructuring or integration of acquisitions; difficulties in
realizing expected cost savings from acquisitions; difficulties associated
with data conversions in acquisitions or migrations to a single platform
system; and other risks identified, from time-to-time in Sky Financial's
other public documents on file with the Securities and Exchange Commission.




<PAGE 24>


Item 3.  Quantitative and Qualitative Disclosures About Market Risk

The primary market risk to which Sky Financial is exposed is interest rate
risk.  The primary business of Sky Financial and the composition of its
balance sheet consists of investments in interest-earning assets, which are
funded by interest-bearing liabilities.  These financial instruments have
varying levels of sensitivity to changes in the market rates of interest,
resulting in market risk.  None of Sky Financial's financial instruments are
held for trading purposes.

Sky Financial monitors and manages its rate sensitivity position to maximize
net interest income, while minimizing the risk due to changes in interest
rates.  One method Sky Financial uses to manage its interest rate risk is a
rate sensitivity gap analysis.

Sky Financial also monitors its interest rate risk through a sensitivity
analysis, whereby it measures potential changes in its future earnings and
the fair values of its financial instruments that may result from one or more
hypothetical changes in interest rates.  This analysis is performed by
estimating the expected cash flows of Sky Financial's financial instruments
using interest rates in effect at June 30, 2000 and December 31, 1999.  For
the fair value estimates, the cash flows are then discounted to year end to
arrive at an estimated present value of Sky Financial's financial
instruments.  Hypothetical changes in interest rates are then applied to the
financial instruments, and the cash flows and fair values are again estimated
using these hypothetical rates.  For the net interest income estimates, the
hypothetical rates are applied to the financial instruments based on the
assumed cash flows.  Sky Financial applies these interest rate shocks to its
financial instruments up and down 200 basis points.

The following table presents an analysis of the potential sensitivity of Sky
Financial's annual net interest income and present value of Sky Financial's
financial instruments to sudden and sustained 200 basis-point changes in
market interest rates.

                             June 30,      December 31,
                               2000           1999          Guidelines
One Year Net Interest
  Income Change
+200 Basis points              (1.2)%         (3.7)%          (10.0)%
-200 Basis points              (0.9)           1.7            (10.0)

Net Present Value of
  Equity Change
+200 Basis points             (29.8)         (22.4)%          (30.0)%
-200 Basis points              29.8           15.3            (30.0)

The projected volatility of net interest income and the net present value of
equity rates to a +/- 200 basis points change at June 30, 2000 and December
31, 1999 fall within the Board of Directors guidelines.

The above analysis is based on numerous assumptions, including relative
levels of market interest rates, loan prepayments and reactions of depositors
to changes in interest rates, and should not be relied upon as being
indicative of actual results.  Further, the analysis does not necessarily
contemplate all actions Sky Financial may undertake in response to changes in
interest rates.


<PAGE 25>


PART II.  OTHER INFORMATION


Item 1.  Legal Proceedings

Sky Financial is, from time-to-time, involved in various lawsuits and claims,
which arise in the normal course of business.  In the opinion of management,
any liabilities that may result from these lawsuits and claims will not
materially affect the financial position or results of operations of Sky
Financial.


Item 2.  Changes in Securities and Use of Proceeds

         Not applicable.


Item 3.  Defaults Upon Senior Securities

         Not applicable.


Item 4.  Submission of Matters to a Vote of Security Holders

At the Annual Meeting of Shareholders of Sky Financial Group, Inc. held
April 19, 2000, ballot totals for the election of ten Class II Directors to
serve until the Annual Meeting of Shareholders in 2003 were as follows:

Class II                           FOR                    WITHHELD

David A. Bryan                  61,515,836   79.1%       2,067,232
Keith D. Burgett                61,495,846   79.0        2,087,222
George N. Chandler, II          61,527,266   79.1        2,055,802
Robert C. Duvall                61,498,137   79.0        2,084,931
Del E. Goedeker                 61,488,727   79.0        2,094,341
H. Lee Kinney                   61,384,354   78.9        2,198,714
Thomas S. Noneman               61,529,668   79.1        2,053,400
Gregory L. Ridler               61,410,757   78.9        2,172,311
Emerson J. Ross, Jr.            61,557,131   79.1        2,025,937
Douglas J. Shierson             61,517,749   79.1        2,065,319


The following incumbent Class I and Class III Directors who were not nominees
for election at the April 19, 2000 Annual Meeting are as follows:

Gerald D. Aller            Charles I. Homan             Jonathan Levy
Kenneth E. McConnell       Thomas J. O'Shane            Edward J. Reiter
Patrick W. Rooney          C. Gregory Spangler          Robert E. Stearns
Marty E. Adams             D. James Hilliker            Fred H. Johnson, III
Marilyn O. McAlear         James C. McBane              Gerard P. Mastroianni
Robert E. Spitler          Richard R. Hollington, Jr.   Joseph N. Tosh, II


<PAGE 26>

At the Annual Meeting of Sky Financial Group, Inc. Shareholders on April 19,
2000, ballot totals for the approval and adoption of amendments to Sky
Financial's Code of Regulations were as follows:

                       FOR             49,326,509    63.4%
                       AGAINST          3,388,658     4.4
                       ABSTAIN            881,902     1.1



Item 5.  Other Information

         Not applicable.



Item 6.  Exhibits and Reports on Form 8-K

         (a)  Exhibits

              (11.1)  Statement Re Computation of Earnings Per Common Share

         (b)  Reports on Form 8-K

              Not applicable.





























<PAGE 27>


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.



SKY FINANCIAL GROUP, INC.




/s/ W. Granger Souder, Jr.


W. Granger Souder, Jr.
Executive Vice President / General Counsel



DATE:  August 11, 2000






























<PAGE 28>


SKY FINANCIAL GROUP, INC.

                                EXHIBIT INDEX

Exhibit No.     Description                                      Page Number

   (11.1)       Statement Re Computation of Earnings
                  Per Common Share
                      The information required by this exhibit
                      is incorporated herein by reference from
                      the information contained in Note 7
                      "Earnings Per Share" on page 11 of Sky
                      Financial's Form 10-Q for June 30, 2000.

   (27.1)       Financial Data Schedule                               29