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                                                               EXHIBIT 10.6



                            INDEMNIFICATION AGREEMENT              

         This Agreement made this     day of          , 1998, between Sky
Financial Group, Inc., a bank holding company registered under the Bank Holding
Company Act of 1956, as amended, and an Ohio corporation (The "Company") and
                     , a director, officer or representative (as hereinafter
defined) of the Company (the "Indemnitee");

         WHEREAS, the Company and the Indemnitee are each aware of the exposure
to litigation of officers, directors and representatives of the Company as such
persons exercise their duties to the Company;

         WHEREAS, the Company and the Indemnitee are also aware of conditions in
the insurance industry that have affected and may continue to affect the
Company's ability to obtain appropriate directors' and officers' liability
insurance on an economically acceptable basis;

         WHEREAS, the Company desires to continue to benefit from the services
of highly qualified, experienced and otherwise competent persons such as the
Indemnitee;

         WHEREAS, the Indemnitee desires to serve or to continue to serve the
Company as a director, officer or as a director, officer or trustee of another
corporation, joint venture, trust or other enterprise in which the Company has a
direct or indirect ownership interest, for so long as the Company continues to
provide on an acceptable basis adequate and reliable indemnification against
certain liabilities and expenses which may be incurred by the Indemnitee.

         NOW, THEREFORE, in consideration of the foregoing premises and the
mutual covenants herein contained, the parties hereto agree as follows:


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         1. Indemnification. Subject to the terms of this Agreement and, if
applicable as a continuation of the indemnification offered by Citizens
Bancshares, Inc. pursuant to an indemnification agreement previously entered
into on [SPECIFY DATE], the Company shall indemnify the Indemnitee with respect
to his activities as a director or officer of the Company and/or as a person who
is serving or has served on behalf of the Company ("representative") as a
director, officer, or trustee of another corporation, joint venture, trust or
other enterprise, domestic or foreign, in which the Company has a direct or
indirect ownership interest (an "affiliated entity") against expenses
(including, without limitation, attorneys' fees, judgments, fines, and amounts
paid in settlement) actually and reasonably incurred by him ("Expenses") in
connection with any claim against Indemnitee which is the subject of any
threatened, pending, or completed action, suit, or proceeding, whether civil,
criminal, administrative, investigative or otherwise and whether formal or
informal (a "Proceeding"), to which Indemnitee was, is, or is threatened to be
made a party by reason of facts which include Indemnitee's being or having been
such a director, officer or representative, to the extent of the highest and
most advantageous to the Indemnitee, as determined by the Indemnitee, of one or
any combination of the following: 

        (a) The benefits provided by the Company's Regulations in effect 
on the date hereof;

        (b) The benefits provided by the Articles of Incorporation, Regulations,
or By-Laws or their equivalent of the company in effect at the time Expenses are
incurred by Indemnitee;
      
        (c) The benefits allowable under Ohio law in effect at the date hereof;
      
        (d) The benefits allowable under the law of the jurisdiction under which
the Company exists at the time Expenses are incurred by the Indemnitee;


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        (e)  The benefits available under liability insurance obtained by 
the Company;

        (f)  The benefits available under the $25,000,000 insurance policy
obtained by the Company from the Cincinnati Insurance Company in effect for
1999; and

        (g)  Such other benefits as are or may be otherwise available to
Indemnitee.

         Combination of two or more of the benefits provided by (a) through (g)
shall be available to the extent that the Applicable Document, as hereafter
defined, does not require that the benefits provided therein be exclusive of
other benefits. The document or law providing for the benefits listed in items
(a) through (g) above is called the "Applicable Document" in this Agreement.
Company hereby undertakes to use its best efforts to assist Indemnitee, in all
proper legal ways, to obtain the benefits selected by Indemnitee under items (a)
through (g) above.

         For purposes of this Agreement, references to "other enterprises" shall
include employee benefit plans for employees of the Company or of any affiliated
entity without regard to ownership of such plans; references to "fines" shall
include any excise taxes assessed on the Indemnitee with respect to any employee
benefit plan; references to "serving on behalf of the company" shall include any
services as a director, officer, employee or agent of the Company which imposes
duties on, or involves services by, the Indemnitee with respect to an employee
benefits plan, its participants or beneficiaries; references to the masculine
shall include the feminine; references to the singular shall include the plural
and vice versa; and if the Indemnitee acted in good faith and in a manner he
reasonably believed to be in the interest of the participants and beneficiaries
of an employee benefit plan he shall be deemed to have acted in a manner
consistent with the standards required for indemnification by the Company under
the Applicable Documents.


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         2.  Insurance.  The Company shall maintain directors' and officers'
liability insurance for so long as Indemnitee's services are covered hereunder,
provided and only to the extent that such insurance is available in amounts and
on terms and conditions determined by the Company to be acceptable. However, the
Company agrees that the provisions hereof shall remain in effect regardless of
whether liability or other insurance coverage is at any time obtained or
retained by the Company; except that any payments in fact made to Indemnitee
under an insurance policy obtained or retained by the Company shall reduce the
obligation of the Company to make payments hereunder by the amount of the
payments made under any such insurance policy.
    
        3.  Payment of Expenses.  At Indemnitee's request, the Company shall 
pay the Expenses as and when incurred by Indemnitee, after receipt of written 
notice pursuant to Section 6 hereof and an undertaking in the form of Exhibit I
attached hereto by or on behalf of Indemnitee (i) to repay such amounts so paid
on Indemnitee's behalf if it shall ultimately be determined under the Applicable
Document or applicable law that Indemnitee is required to repay such amounts and
(ii) to reasonably cooperate with the Company concerning such Proceeding. That
portion of Expenses which represents attorneys' fees and other costs incurred in
defending any Proceeding shall be paid by the Company within thirty (30) days of
its receipt of such request, together with reasonable documentation (consistent,
in the case of attorneys' fees, with Company practice in payment of legal fees
for outside counsel generally) evidencing the amount and nature of such
Expenses, subject to its also having received such notice and undertaking.


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         It is understood and agreed before the Company pays the Expenses
incurred in a Proceeding brought by a federal banking agency in which a final
order has not been entered, the following conditions must be met:

         (1)  The Board of Directors, in good faith, shall determine in writing
after due investigation and consideration that the Indemnitee acted in good in a
manner believed to be in the best interests of the Company;

         (2)  The Board of Directors, in good faith, shall determine after due
investigation and consideration that the payment of such Expenses will not
materially or adversely affect the Company's safety and soundness.

         (3)  The Indemnitee shall agree in writing to reimburse the Company for
Expenses which subsequently are deemed "prohibited indemnification payments", as
defined in 12 C.F.R. Section 359.1(1).

         The Indemnitee shall not participate in any way in the Board's
discussion and approval of Expenses, provided however, that the Indemnitee may
present his or her request to the Board and respond to any inquiries from the
Board concerning his or her involvement in the circumstances giving rise to the
federal banking agency Proceeding or civil action.

         4.   Escrow.  The Company shall dedicate such amounts as the Board of
Directors of the Company may from time to time authorize, up to an aggregate of
Two Hundred Forty Thousand Dollars ($240,000) as collateral security for the
initial funding of its obligations hereunder and under similar agreements with
other directors, officers and representatives by depositing assets or bank
letters of credit in escrow or reserving lines of credit that may be drawn down
by an escrow agent in the dedicated amount (the "Escrow Reserve"). The Company
shall promptly provide Indemnitee with a true and complete copy of the agreement
relating to the


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establishment and operation of the Escrow Reserve, together with such additional
documentation or information with respect to the escrow as Indemnitee may from
time to time reasonably request. The Company shall promptly deliver an executed
copy of the Agreement to the escrow agent for the Escrow Reserve to evidence to
that agent that Indemnitee is a beneficiary of that Escrow Reserve and shall
deliver to Indemnitee the escrow agent's signed receipt evidencing that
delivery.

         5.   Additional Rights.  The indemnification provided in this Agreement
shall not be exclusive of any other indemnification or right to which Indemnitee
may be entitled and shall continue after Indemnitee has ceased to occupy a
position as an officer, director or representative as described in Paragraph 1
above with respect to Proceedings relating to or arising out of Indemnitee's
acts or omissions during his service in such position.

         6.   Notice to Company.  Indemnitee shall provide to the Company prompt
written notice of any Proceeding brought, threatened, asserted or commenced
against Indemnitee with respect to which Indemnitee may assert a right to
indemnification hereunder; provided that failure to provide such notice shall
not in any way limit Indemnitee's rights under this Agreement.

         7.   Cooperation in Defense and Settlement.  Indemnitee shall not make
any admission or effect any settlement of any Proceeding without the Company's
written consent unless Indemnitee shall have determined to undertake his own
defense in such matter and has waived the benefits of this Agreement. The
Company shall not settle any Proceeding to which Indemnitee is a party in any
manner which would impose any Expense on Indemnitee without his written consent.
Neither Indemnitee nor the Company will unreasonably withhold consent to any
proposed settlement. Indemnitee and the Company shall cooperate to the extent
reasonably


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possible with each other and with the Company's insurers, in attempts
to defend and/or settle such Proceeding.

         8.  Assumption of Defense.  Except as otherwise provided below, to the
extent that it may wish, the Company jointly with any other indemnifying party
similarly notified, will be entitled to assume Indemnitee's defense in any
Proceeding, with counsel mutually satisfactory to Indemnitee of the Company's
election so to assume such defense, the Company will not be liable to Indemnitee
in connection with defense thereof other than reasonable costs of investigation
or as otherwise provided below. Indemnitee shall have the right to employ
counsel in such Proceeding, but the fees and expenses of such counsel incurred
after notice from the Company of its assumption of the defense thereof shall be
at Indemnitee's expense unless:

            (a)    the employment of counsel by Indemnitee has been authorized
         by the Company;

            (b)    counsel   employed  by  the  Company   initially  is  
         unacceptable   or  later  becomes unacceptable to Indemnitee and such 
         unacceptability is reasonable under then existing circumstances;
 
            (c)    Indemnitee shall have reasonably concluded that there may be 
         a conflict of interest between Indemnitee and the Company in the 
         conduct of the defense of such Proceeding; or

            (d)    the  Company  shall not have  employed  counsel  promptly  to
         assume the defense of such Proceeding,

in each of which case fees and expenses of counsel shall be at the expense of
the Company and subject to payment pursuant to this Agreement. The Company shall
not be entitled to assume the


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defense of Indemnitee in any Proceeding brought or on behalf or the Company or 
as to which Indemnitee shall have drawn either of the conclusions provided for 
in clauses (b) or (c) above.

         9.  Enforcement.  In the event that any dispute or controversy shall
arise under this Agreement between Indemnitee and the Company with respect to
whether the Indemnitee is entitled to indemnification in connection with any
Proceeding or with respect to the amount of Expenses incurred, then with respect
to each such dispute or controversy Indemnitee may seek to enforce the Agreement
through legal action of, at Indemnitee's sole option and written request,
through arbitration. If arbitration is requested, such dispute or controversy
shall be submitted by the parties to binding arbitration in the City of Toledo,
State of Ohio, before a single arbitrator agreeable to both parties. If the
parties cannot agree on a designated arbitrator within 15 days after arbitration
is requested in writing by Indemnitee, the arbitration shall proceed in the City
of Toledo, State of Ohio, before an arbitrator appointed by the American
Arbitration Association. In either case, the arbitration proceeding shall
commence promptly under the rules then in effect of that Association and the
arbitrator agreed to by the parties or appointed by that Association shall be an
attorney other than an attorney who has, or is associated with a firm having
associated with it an attorney which has, or is associated with a firm having
associated with it an attorney which has, been retained by or performed services
for the Company or Indemnitee at any time during the five years preceding the
commencement of arbitration. The award shall be rendered in such form that
judgment many be entered thereon in any court having jurisdiction thereof. The
prevailing party shall be entitled to prompt reimbursement of any costs and
expenses (including, without limitation, reasonable attorneys' fees) incurred in
connection with such legal action or arbitration; provided that Indemnitee shall
not be obligated to reimburse the Company 


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unless the arbitrator or court which resolves the dispute determines that 
Indemnitee acted in bad faith in bringing such action or arbitration.

         10.  Exclusions.  Notwithstanding the scope of indemnification which
may be available to Indemnitee from time to time under any Applicable Document,
no indemnification, reimbursement or payment shall be required of the Company
hereunder with respect to:

              (a)  Any claim or any part thereof as to which Indemnitee shall
have been determined by a courts of competent jurisdiction from which no appeal
is or can be taken, by clear and convincing evidence, to have acted or failed to
act with deliberate intent to cause injury to the Company or with reckless
disregard for the best interest of the Company'

              (b)  Any claim or any part thereof arising under Section 16(b)
of the Securities Exchange Act of 1934 pursuant to which Indemnitee shall be
obligated to pay any penalty, fine, settlement or judgment;

              (c)  Any civil money penalty or judgment resulting from any
Proceeding instituted by any federal banking agency, or any other liability or
legal expense with regard to any administrative proceeding or civil action by
any federal banking agency that results in a final order or settlement pursuant
to which Indemnitee:
 
              (1)          is assessed a civil money penalty;

              (2)          is removed from office or prohibited from 
                   participating in the conduct of the affairs of the Company or
                   its affiliates; or

              (3)          is required to cease and desist from taking any
                   affirmative action described under the Federal Deposit 
                   Insurance Act or other applicable banking laws with respect 
                   to the Company and its affiliates;


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                  (d)  Any obligation of Indemnitee based upon or attributable
to the Indemnitee gaining in fact any personal gain, profit or advantage to
which he was not entitled; or

                  (e)  Any Proceeding initiated by Indemnitee without the 
consent or authorization of the Board of Directors of the Company, provided that
this exclusion shall not apply with respect to any claims brought by Indemnitee 
(i) to enforce his rights under this Agreement or (ii) in any Proceeding
initiated by another person or entity whether or not such claims were brought by
Indemnitee against a person or entity who was otherwise a party to such
Proceeding.

         Nothing in this Section 10 shall eliminate or diminish Company's
obligations to advance that portion of Indemnitee's Expenses which represent
attorneys' fees and other costs incurred in defending any Proceeding pursuant to
Section 3 of this Agreement; subject however to the undertaking by Indemnitee in
the form attached hereto as Exhibit 1 and incorporated by reference herein.

         11.      Extraordinary Transactions. The Company covenants and agrees
that, in the event of any merger, consolidation or reorganization in which the 
Company is not the surviving entity, any sale of all or substantially all of the
assets of the Company or any liquidation of the Company (each such event is 
hereinafter referred to as an "extraordinary transaction"), the Company shall:

                  (a)  have the obligations of the Company under this Agreement
expressly assumed by the survivor, purchaser or successor, as the case may be,
in such extraordinary transaction; or

                  (b)  otherwise adequately provide for the satisfaction of the
Company's obligations under this Agreement, in a manner acceptable to
Indemnitee.

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         12.  No Personal Liability. Indemnitee agrees that neither the 
directors nor any officer, employee, representative or agent of the Company 
shall be personally liable for the satisfaction of the Company's obligations 
under this Agreement, and Indemnitee shall look solely to the assets of the 
Company and the escrow referred to in Section 4 hereof for satisfaction of any 
claims hereunder.

         13.  Severability. If any provision, phrase, or other portion of this
Agreement should be determined by any court of competent jurisdiction to be
invalid, illegal or unenforceable, in whole or in part, and such determination
should become final, such provision, phrase or other portion shall be deemed to
be severed or limited, but only to the extent required to render the remaining
provisions and portions of the Agreement enforceable, and the Agreement as thus
amended shall be enforced to give effect to the intention of the parties insofar
as that is possible.

         14.  Subrogation.  In the event of any payment under this Agreement, 
the Company shall be subrogated to the extent thereof to all rights to
indemnification or reimbursement against any insurer or other entity or person
vested in the Indemnitee, who shall execute all instruments and take all other
actions as shall be reasonably necessary for the Company to enforce such rights.
        
         15.  Governing Law.The parties hereto agree that this Agreement shall
be construed and enforced in accordance with and governed by the laws of the
State of Ohio.

         16.  Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be considered to have been duly given if
delivered by hand and receipted for by the party to whom the notice, request,
demand or other communication shall have been directed, or mailed by certified
mail, return receipt requested, with postage prepaid:


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        (a)                    If to the Company, to:

              Sky Financial Group, Inc.
              221 South Church Street
              Bowling Green, Ohio  43402
              Attention:  General Counsel

         b)                    If to Indemnitee, to:

              -------------------------------------
              -------------------------------------
              -------------------------------------

or to such other or further address as shall be designated from time to time by
the Indemnitee or the Company to the other.

         17.  Termination.  This Agreement may be terminated by either party
upon not less than sixty (60) days prior written notice delivered to the other 
party, but such termination shall not in any way diminish the obligations of 
Company hereunder (including the obligation to maintain the escrow referred to 
in Section 4 hereof) with respect to the Indemnitee's activities prior to the
effective date of termination.

         18.  Amendments and Binding Effect.  This Agreement and the Undertaking
and the rights and duties of Indemnitee and the Company hereunder and thereunder
may not be amended, modified or terminated except by written instrument signed
and delivered by the parties hereto [ADD REFERENCE TO BANCSHARES AGREEMENTS, AS
APPLICABLE]. This Agreement is and shall be binding upon and shall inure to the
benefits of the parties thereto and their respective heirs, executors,
administrator, successors and assigns.

         IN WITNESS WHEREOF, the undersigned have executed this Agreement in
triplicate as of the date first above written.

INDEMNITEE                                           SKY FINANCIAL GROUP, INC.
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By:____________________________             By:____________________________

Title:___________________________           Title:___________________________






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                                                                       EXHIBIT 1

                               FORM OF UNDERTAKING

         THIS UNDERTAKING has been entered into by 
(hereinafter "Indemnitee") pursuant to an Indemnification Agreement dated
                , 1998 (the "Indemnification Agreement"), by and between SKY
FINANCIAL GROUP, INC., a bank holding company registered under the Bank Holding
Company Act of 1956, as amended, and an Ohio corporation (the "Company"), and
Indemnitee.
                              W I T N E S S E T H:

         WHEREAS, pursuant to the Indemnification Agreement, Company agreed to
pay Expenses (within the meaning of the Indemnification Agreement) as and when
incurred by Indemnitee in connection with any claim against Indemnitee which is
the subject of any threatened, pending, or completed action, suit, or
proceeding, whether civil, criminal, administrative or investigative, to which
Indemnitee was, is, or is threatened to be made a party by reason of facts which
include Indemnitee's being or having been a director, officer or representative
(within the meaning of the Indemnification Agreement) of the Company;

         WHEREAS, such a claim has arisen against Indemnitee and Indemnitee has
notified Company thereof in accordance with the terms of Section 6 of the
Indemnification Agreement (hereinafter the "Proceeding");

         NOW, THEREFORE, Indemnitee hereby agrees that in consideration of
Company's advance payment of Indemnitee's Expenses incurred prior to a final
disposition of the Proceeding, Indemnitee hereby undertakes to reimburse Company
for any and all Expenses paid by Company on behalf of Indemnitee prior to a
final disposition of the Proceeding in the event that Indemnitee is determined
under the Applicable Document (within the meaning of the


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Indemnification Agreement) OR APPLICABLE LAW to be required to repay such 
amounts to the Company, provided that if Indemnitee is entitled under the 
Applicable Document or applicable law to indemnification for some or a portion 
of such Expenses, Indemnitee's obligation to reimburse Company shall only be for
those Expenses for which Indemnitee is determined to be required to so repay 
such amounts to the Company pursuant to the Indemnification Agreement or 
applicable law.

         IF THE INDEMNITEE IS INVOLVED IN AN ADMINISTRATIVE PROCEEDING OR ACTION
INSTITUTED BY AN APPROPRIATE FEDERAL BANKING AGENCY AND REQUESTS THE COMPANY TO
PAY THE EXPENSES INCURRED BEFORE A FINAL ORDER IS ENTERED, THE INDEMNITEE SHALL
REIMBURSE THE COMPANY FOR ALL EXPENSES PAID BY THE COMPANY IF A FINAL ORDER IS
ENTERED (I) ASSESSING CIVIL MONEY PENALTIES; (II) REMOVING INDEMNITEE FROM
OFFICE OR PROHIBITING INDEMNITEE FROM PARTICIPATING IN THE CONDUCT OF THE
AFFAIRS OF THE COMPANY OR ITS AFFILIATES; OR (III) REQUIRING INDEMNITEE TO CEASE
AND DESIST FROM TAKING ANY AFFIRMATIVE ACTION DESCRIBED UNDER THE FEDERAL
DEPOSIT INSURANCE ACT OR OTHER APPLICABLE BANKING LAWS WITH RESPECT TO THE
COMPANY AND ITS AFFILIATES. THE INDEMNITEE HEREBY AGREES TO REIMBURSE THE
COMPANY FOR EXPENSES WHICH SUBSEQUENTLY ARE DEEMED "PROHIBITED INDEMNIFICATION
PAYMENTS", AS DEFINED IN 12 C.F.R. Section 359.1(1).

         Further, the Indemnitee agrees to reasonably cooperate with theCompany
concerning such Proceeding.

         IN WITNESS WHEREOF, the undersigned has set his hand this       day of
             , 19   

                                   INDEMNITEE



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