Exhibit 21.1



SUBSIDIARIES OF

SKY FINANCIAL GROUP, INC.



December 29, 2004



|                                  |  |                                             |  |                                     |  |                                          |  |                                         |  |                                                   |  |             
|--------------------------------- |  | ------------------------------------------- |  | ----------------------------------- |  | ---------------------------------------- |  | --------------------------------------- |  | ------------------------------------------------- |  | ------------
|ENTITY NAME, LOCATION & OWNERSHIP |  | JURISDICTION OFINCORPORATIONOR ORGANIZATION
|A.                                |  | Issuer and Parent Company                   |  |                                    
|                                  |  |                                            
|                                  |  | Sky Financial Group, Inc.                   |  | Ohio                               
|                                  |  | Bowling Green, Ohio                         |  |                                    
|                                  |  |                                            
|B.                                |  | Bank and Bank-Owned Subsidiaries of Issuer  |  |                                    
|                                  |  |                                             | 
|                                  |  | 1.                                          |  | Sky Bank                            |  | Ohio                                    
|                                  |  |                                             |  | Salineville, Ohio                   |  |                                         
|                                  |  |                                             |  | Sky Financial Group, Inc. owns 100% |  |                                         
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | a.                                  |  | Insurance Holding Company                |  | Michigan                               
|                                  |  |                                             |  |                                     |  | Bowling Green, Ohio                      |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        
|                                  |  |                                             |  |                                     | 
|                                  |  |                                             |  |                                     |  | 1)                                       |  | Meyer & Eckenrode Insurance Group, Inc. |  | Pennsylvania                                     
|                                  |  |                                             |  |                                     |  |                                          |  | Carnegie, Pennsylvania                  |  |                                                  
|                                  |  |                                             |  |                                     |  |                                          |  | Insurance Holding Company owns 100%     |  |                                                  
|                                  |  |                                             |  |                                     |  |                                         
|                                  |  |                                             |  |                                     |  |                                          |  | i.                                      |  | M&E Investment Group, Inc.                        |  | Pennsylvania
|                                  |  |                                             |  |                                     |  |                                          |  |                                         |  | Carnegie, Pennsylvania                            |  |             
|                                  |  |                                             |  |                                     |  |                                          |  |                                         |  | Meyer & Eckenrode Insurance Group, Inc. owns 100% |  |             
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | b.                                  |  | Metropolitan Savings Service Corporation |  | Ohio                                   
|                                  |  |                                             |  |                                     |  | Bowling Green, Ohio                      |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | c.                                  |  | Second National Financial Company, LLC   |  | Delaware                               
|                                  |  |                                             |  |                                     |  | Wilmington, Delaware                     |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | d.                                  |  | Second National Loan Servicing Company   |  | Delaware                               
|                                  |  |                                             |  |                                     |  | Wilmington, Delaware                     |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | e.                                  |  | Sky Access, Inc. (inactive)              |  | Ohio                                   
|                                  |  |                                             |  |                                     |  | Lisbon, Ohio                             |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        
|                                  |  |                                             |  |                                    
|                                  |  |                                             |  | f.                                  |  | Sky Capital LLC                          |  | Delaware                               
|                                  |  |                                             |  |                                     |  | Wilmington, Delaware                     |  |                                        
|                                  |  |                                             |  |                                     |  | Sky Bank owns 100%                       |  |                                        



---

|   |  |                                          |  |                                          |  |                                   |  |         
|-- |  | ---------------------------------------- |  | ---------------------------------------- |  | --------------------------------- |  | --------
|   |  |                                          |  | g.                                       |  | Sky Community Development Company |  | Ohio    
|   |  |                                          |  |                                          |  | Bowling Green, Ohio               |  |         
|   |  |                                          |  |                                          |  | Sky Bank owns 100%                |  |         
|   |  |                                          |  |                                         
|   |  |                                          |  | h.                                       |  | Venice Inn, LLC (inactive)        |  | Maryland
|   |  |                                          |  |                                          |  | Hagerstown, Maryland              |  |         
|   |  |                                          |  |                                          |  | Sky Bank owns 100%                |  |         
|   |  |                                          | 
|   |  | 2.                                       |  | Sky Trust, National Association          |  | United States                    
|   |  |                                          |  | Pepper Pike, Ohio                        |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   | 
|C. |  | Financial Service Subsidiaries of Issuer
|   |  |                                          | 
|   |  | 1.                                       |  | Access Partners, LLC                     |  | Indiana                          
|   |  |                                          |  | Evansville, Indiana                      |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 51%       |  |                                  
|   |  |                                          | 
|   |  | 2.                                       |  | First Western Capital Trust I            |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 3.                                       |  | Freedom Financial Life Insurance Company |  | Arizona                          
|   |  |                                          |  | Phoenix, Arizona                         |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 77%       |  |                                  
|   |  |                                          | 
|   |  | 4.                                       |  | Metropolitan I Corporation (inactive)    |  | Ohio                             
|   |  |                                          |  | Bowling Green, Ohio                      |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 5.                                       |  | Mid Am Capital Trust I                   |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 6.                                       |  | Prospect Trust I                         |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 7.                                       |  | Second Bancorp Capital Trust I           |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 8.                                       |  | Second National Capital Corporation      |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 9.                                       |  | Sky Capital Management, Inc.             |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  
|   |  |                                          | 
|   |  | 10.                                      |  | Sky Financial Capital Trust I            |  | Delaware                         
|   |  |                                          |  | Wilmington, Delaware                     |  |                                  
|   |  |                                          |  | Sky Financial Group, Inc. owns 100%      |  |                                  



---

|    |  |                                          |  |                               |  | 
|--- |  | ---------------------------------------- |  | ----------------------------- |  | 
|11. |  | Sky Financial Capital Trust II           |  | Delaware                     
|    |  | Wilmington, Delaware                    
|    |  | Sky Financial Group, Inc. owns 100%     
|    |  |                                         
|12. |  | Sky Holdings, Inc.                       |  | Delaware                     
|    |  | Wilmington, Delaware                     |  |                              
|    |  | Sky Financial Group, Inc. owns 100%      |  |                              
|    |  |                                         
|13. |  | Sky Insurance, Inc.                      |  | Ohio                         
|    |  | Maumee, Ohio                            
|    |  | Sky Financial Group, Inc. owns 100%     
|    |  |                                          |  | Ohio                         
|    |  | a.                                       |  | Celaris Brokerage LLC        
|    |  |                                          |  | Cleveland, Ohio              
|    |  |                                          |  | Sky Insurance, Inc. owns 100%
|    |  |                                         
|14. |  | Stouffer-Herzog Insurance Agency, Inc. * |  | Ohio                         
|    |  | Ashtabula, Ohio                         
|    |  | Sky Financial Group, Inc. owns 100%     

---

|* | Stouffer-Herzog Insurance Agency, Inc. merged into Sky Insurance, Inc.
|- | ----------------------------------------------------------------------

1-1-2005