Exhibit 21.1



SUBSIDIARIES OF

SKY FINANCIAL GROUP, INC.



December 31, 2003









|                                                          |  |                                               |  |              |  | 
|--------------------------------------------------------- |  | --------------------------------------------- |  | ------------ |  | 
|Entity Name, Location & Ownership                         |  | Jurisdiction of Incorporation or Organization
|                                                          |  |                                               | 
|A.     Issuer and Parent Company                          |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|Sky  Financial Group, Inc.                                |  |                                               |  | Ohio         |  | 
|BowlingGreen, Ohio                                        |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|B.     Bank and Bank-Owned Subsidiaries of Issuer         |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|1.      Sky Bank                                          |  |                                               |  | Ohio         |  | 
|Salineville, Ohio                                         |  |                                               |  |              |  | 
|Sky Financial Group, Inc. owns 100%                       |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|a.      First Western Insurance Services, Inc. (inactive) |  |                                               |  | Pennsylvania |  | 
|New Castle, Pennsylvania                                  |  |                                               |  |              |  | 
|Sky Bank owns 100%                                        |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|b.      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%         |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|2)      Sky Title Insurance Agency, LLC (inactive)        |  |                                               |  | Michigan     |  | 
|Bowling Green, Ohio                                       |  |                                               |  |              |  | 
|Insurance Holding Company owns 100%                       |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|c.      Metropolitan Savings Service Corporation          |  |                                               |  | Ohio         |  | 
|Bowling Green, Ohio                                       |  |                                               |  |              |  | 
|Sky Bank owns 100%                                        |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|d.      Sky Access, Inc.                                  |  |                                               |  | Ohio         |  | 
|Lisbon, Ohio                                              |  |                                               |  |              |  | 
|Sky Bank owns 100%                                        |  |                                               |  |              |  | 
|                                                          |  |                                               | 
|e.      Sky Capital LLC                                   |  |                                               |  | Delaware     |  | 
|Wilmington, Delaware                                      |  |                                               |  |              |  | 
|Sky Bank owns 100%                                        |  |                                               |  |              |  | 





---

|                                                       |  |  |  |               |  | 
|------------------------------------------------------ |  |  |  | ------------- |  | 
|                                                       |  |  | 
|f.       TRB Financial Services, Inc. (inactive)       |  |  |  | Pennsylvania  |  | 
|Monroeville, Pennsylvania                              |  |  |  |               |  | 
|Sky Bank owns 100%                                     |  |  |  |               |  | 
|                                                       |  |  | 
|g.      TRB Realty Corporation, Inc. (inactive)        |  |  |  | Pennsylvania  |  | 
|Monroeville, Pennsylvania                              |  |  |  |               |  | 
|Sky Bank owns 100%                                     |  |  |  |               |  | 
|                                                       |  |  | 
|h.      Venice Inn, LLC                                |  |  |  | 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.      Metropolitan Capital Trust II                  |  |  |  | Delaware      |  | 
|Wilmington, Delaware                                   |  |  |  |               |  | 
|Sky Financial Group, Inc. owns 100%                    |  |  |  |               |  | 
|                                                       |  |  | 
|6.      Mid Am Capital Trust I                         |  |  |  | Delaware      |  | 
|Wilmington, Delaware                                   |  |  |  |               |  | 
|Sky Financial Group, Inc. owns 100%                    |  |  |  |               |  | 
|                                                       |  |  | 
|7.      Mid Am Financial Services, Inc. (inactive)     |  |  |  | Indiana       |  | 
|Bowling Green, Ohio                                    |  |  |  |               |  | 
|Sky Financial Group, Inc. owns 100%                    |  |  |  |               |  | 
|                                                       |  |  | 
|8.      Sky Asset Management Services, Inc. (inactive) |  |  |  | Ohio          |  | 
|Bowling Green, Ohio                                    |  |  |  |               |  | 
|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 Financial Solutions, Inc.           |  |  |  | Ohio     |  | 
|Columbus, Ohio                                 |  |  |  |          |  | 
|Sky Financial Group, Inc. owns 100%            |  |  |  |          |  | 
|                                               |  |  | 
|a.      Sky Financial Securitization Corp. I   |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|b.      Sky Financial Securitization Corp. II  |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|c.      Sky Financial Securitization Corp. III |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|d.      Sky Financial Securitization Corp. IV  |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|e.      Sky Financial Securitization Corp. V   |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|f.       Sky Financial Securitization Corp. VI |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|g.      Sky Financial Securitization Corp. VII |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|h.      Sky Loan Funding Corporation           |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|i.       Sky Loan Funding Corporation II       |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Solutions, Inc. owns 100%        |  |  |  |          |  | 
|                                               |  |  | 
|13.    Sky Holdings, Inc.                      |  |  |  | Delaware |  | 
|Wilmington, Delaware                           |  |  |  |          |  | 
|Sky Financial Group, Inc. owns 100%            |  |  |  |          |  | 
|                                               |  |  | 
|14.    Sky Insurance, Inc.                     |  |  |  | Ohio     |  | 
|Maumee, Ohio                                   |  |  |  |          |  | 
|Sky Financial Group, Inc. owns 100%            |  |  |  |          |  |