Document:

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                                                                    Exhibit 10.7

                       METROPOLITAN BANK AND TRUST COMPANY
                               RETENTION PAY PLAN

         THIS RETENTION PAY PLAN is entered into this _24th___ day of September,
2002, by Metropolitan Bank and Trust Company (the "Bank") for the benefit of
certain key employees of the Bank listed on Schedule A hereto (each of whom
shall be referred to herein as "Employee"). Any reference to the Company herein
shall refer to Metropolitan Financial Corporation.

                                    RECITALS

         WHEREAS, the Bank desires to be ensured of the Employees' continued
active participation in the business of the Bank and the Company in the event of
a Change in Control; and

         WHEREAS, in order to induce the Employee to remain in the employ of the
Bank and to provide further incentive to preserve and maintain the Bank's
ongoing operations and project stability and soundness to the Bank's customers
and employees, the Bank desires to provide benefits which shall be due the
Employee in the event his or her employment with the Bank is terminated under
specified circumstances.

         NOW THEREFORE, the Metropolitan Bank and Trust Company Retention Pay
Plan (the "Plan") provides as follows:

         1. PURPOSE. The Plan provides financial benefits to certain executive
officers and key employees who involuntarily lose their positions at the Bank or
the Company, or any successor to the Bank or the Company, within one (1) year
following a Change in Control.

         2. DEFINITIONS. The following words and terms shall have the meanings
se forth below for the purposes of this Plan:

                  (a) ACQUIROR. Any company, bank or person that acquires
                  "Control" of the Company or Bank within the meaning of 12
                  C.F.R. Section 574.4.

                  (b) CAUSE. Termination of the Employee's employment for
                  "Cause" shall mean termination because of personal dishonesty,
                  incompetence, willful misconduct, any breach of fiduciary duty
                  involving personal profit, intentional failure to perform
                  stated duties, willful violation of any law, rule or
                  regulation (other than traffic violations or similar offenses)
                  or final cease-and-desist order.

                  (c) CHANGE IN CONTROL. "Change in Control" shall mean a change
                  in control of a nature that: (i) would be required to be
                  reported in response to Item 1(a) of the current report on
                  Form 8-K, as in effect on the date hereof, pursuant to Section
                  13 or 15(d) of the Securities Exchange Act of 1934 (the
                  "Exchange Act"); or (ii) without limitation such a Change in
                  Control shall be deemed to have occurred at such time as a
                  plan of reorganization, merger, consolidation, sale of all or
                  substantially all the

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                  assets of the Bank or the Company or similar transaction in
                  which the Bank or Company is not the surviving institution
                  occurs.

                  (d) DISABILITY. Termination by the Bank of the Employee's
                  employment based on "Disability" shall mean termination
                  because of any physical or mental impairment which qualifies
                  the Employee for disability benefits under the applicable
                  long-term disability plan maintained by the Bank or any
                  subsidiary or, if no such plan applies, which would qualify
                  the Employee for disability benefits under the Federal Social
                  Security System.

                  (e) RETIREMENT. "Retirement" shall mean termination of the
                  Employee's employment at age 65 or in accordance with any
                  retirement policy established by the Bank. Upon termination of
                  the Employee upon Retirement, no amounts or benefits shall be
                  due the Employee under this Plan, and the Employee shall be
                  entitled to all benefits under any retirement plan of the Bank
                  and other plans to which the Employee is a party.

         3. PARTICIPATION. Participation in the Plan shall be approved by the
Board of Directors of the Bank ("Board") and limited to the Employees listed in
the attached Schedule A.

         4. ELIGIBILITY FOR BENEFITS. An Employee listed on the attached
Schedule A shall be eligible to receive the benefits under the Plan if, within
one (1) year following a Change in Control: (i) the Employee's employment is
involuntarily terminated other than for Cause, Disability, Retirement or the
Employee's death; (ii) Employee resigns after being notified that Employee's
salary will be reduced by more than ten percent (10%) of his or her salary in
effect as of the Change in Control; or (iii) Employee resigns because Employee's
responsibilities or job position are substantially reduced from that in effect
as of the Change in Control.

         5. BENEFITS UPON TERMINATION. If any of the events in clauses (i)
through (iii) of Section 4 occurs with respect to an Employee following a Change
in Control, the Acquiror shall pay the amounts set forth in the attached
Schedule A.

         6. METHOD OF PAYMENT. The Employee shall receive his or her benefits in
a single lump sum payment.

         7. SOURCE OF BENEFITS. The Acquiror shall pay the Employee's benefits
under the Plan from its general assets.

         8. ARBITRATION. Any dispute or controversy arising under or in
connection with this Plan shall be settled exclusively by arbitration, conducted
before a panel of three arbitrators sitting in a location selected by the Bank
within fifty (50) miles from the location of the Bank's main office, in
accordance with the rules of the American Arbitration Association then in
effect. Judgment may be entered on the arbitrator's award in any court having
jurisdiction; provided, however, that the Employee shall be entitled to seek
specific performance of his right to be paid until the date of his or her
termination during the pendency of any dispute or controversy arising under or
in connection with this Plan, other than in the case of a termination for Cause.

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9.       REQUIRED PROVISIONS.

         (a) The Bank may terminate the Employee's employment at any time. The
         Employee shall not have the right to receive compensation or other
         benefits for any period after termination for Cause as defined
         hereinabove.

         (b) If the Employee is suspended from office and/or temporarily
         prohibited from participating in the conduct of the Bank's affairs
         by a notice served under Section 8(e)(3) (12 USC section 1818(e)(3))
         or 8(g)(1) (12 US section 1818(g)(1)) of the Federal Deposit Insurance
         Act, or under Ohio Revised Code Section 1511.18, the Bank's
         obligations under the Plan shall be suspended as of the date of
         service, unless stayed by appropriate proceedings. If the charges
         in the notice are dismissed, the Bank may in its discretion (i) pay
         the Employee all or part of the compensation withheld while its
         contract obligations were suspended and (ii) reinstate (in whole or
         in part) any of its obligations which were suspended.

         (c) If the Employee is removed and/or permanently prohibited from
         participating in the conduct of the Bank's affairs by an order issued
         under Section 8(e)(4) (12 USC section 1818(e)(4)) or 8(g)(1) (12 USC
         section 1818(g)(1)) of the Federal Deposit Insurance Act, or under
         Ohio Revised Code Section 1511.18, all obligations of the Bank
         under the Plan shall terminate as of the effective date of the
         order, but vested rights of the contracting parties shall not be
         affected.

         (d) If the Bank is in default as defined in Section 3(x)(1) (12 USC
         section 1813(x)(1)) of the Federal Deposit Insurance Act, all
         obligations of the Bank under this Plan shall terminate as of the
         date of default, but this paragraph shall not affect any vested
         rights of the Plan participants.

         (e) All obligations of the Bank under this contract shall be
         terminated, except to the extent determined that continuation of the
         contract is necessary for the continued operation of the Bank, (i) by
         the Director of the OTS or his or her designee at the time the FDIC
         enters into an agreement to provide assistance to or on behalf of the
         Bank under the authority contained in Section 13(c) (12 USC section
         1823(c)) of the Federal Deposit Insurance Act; or (ii) by the
         Director or his or her designee at the time the Director or his or
         her designee approves a supervisory merger to resolve problems
         related to operation of the Bank or when the Bank is determined by
         the Director to be in an unsafe or unsound condition. Any rights of
         the parties that have already vested, however, shall not be
         affected by such action.

         (f) Notwithstanding anything herein contained to the contrary, any
         payments to the Employee by the Bank, whether pursuant to this Plan or
         otherwise, are subject to and conditioned upon their compliance with
         Section 18(k) of the Federal Deposit Insurance Act, 12 U.S.C. Section
         1828(k), and the regulations promulgated thereunder in 12 C.F.R. Part
         359.

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         (g) Following a Change in Control, the foregoing paragraphs of this
         Section 9, shall be read by substituting the term "Acquiror" for the
         term "Bank" wherever the latter appears herein.

         10. AMENDMENT. The Bank reserves the right to amend the Plan at any
time, with or without advance notice, provided such amendment does not reduce
the benefits to any Employee under the Plan.

         11. GOVERNING LAW. This validity, interpretation, construction and
performance of the Plan shall be governed by the laws of the State of Ohio,
except to the extent that such laws contravene or are inconsistent with Federal
laws.

         12. SUCCESSORS AND ASSIGNS. The provisions of this Plan shall bind and
inure to the benefit of the Bank and its successors and assigns. The term
"successors" as used herein shall include an Acquiror or any corporate or other
business entity which shall, whether by merger, consolidation, purchase or
otherwise acquire all or substantially all of the business and assets of the
Bank, and successors of any such corporation or other business entity.

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         IN WITNESS WHEREOF, the Bank has caused the Plan to be executed by its
duly authorized officers and the corporate seal to be affixed and duly attested,
as of the _24th___ day of September, 2002.

Effective Date:   September 24, 2002.

ATTEST:                                       METROPOLITAN BANK AND TRUST
                                              COMPANY

/s/ David G. Slezak                           /s/  Kenneth T. Koehler
--------------------------                    ----------------------------------
Secretary                                     President

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                                   SCHEDULE A
                                   ----------

                       METROPOLITAN BANK AND TRUST COMPANY

                               RETENTION PAY PLAN

FULL NAME                 TITLE & POSITION                   AMOUNT
---------                 ----------------                   ------

Kenneth T. Koehler        President and Chief                $300,000
                              Executive Officer

Leonard D. Kichler        Executive Vice President -          100,000
                              Relationship Banking

Note: The above are the executive officers of the Registrant that participate in
the subject Plan.

                                       6<PAGE>
                                                                    Exhibit 10.8

                                                                  Execution Copy

                                VOTING AGREEMENT
                                ----------------

          This Voting Agreement is entered into on October 23, 2002 (this
"Agreement") by and between Sky Financial Group, Inc., a financial holding
company and an Ohio corporation ("Sky"), and Robert M. Kaye, a resident of New
Jersey ("Kaye") (the "Control Shareholder").

          WHEREAS, the Control Shareholder owns 10,769,215 Common Shares,
without par value (the "Common Shares"), of Metropolitan Financial Corp., a
savings and loan holding company and an Ohio corporation ("Metropolitan"), (all
shares of such stock now owned and that may hereafter be acquired by the Control
Shareholder prior to the termination of this Agreement shall be referred to
herein as the "Control Shares");

          WHEREAS, Sky and Metropolitan propose to enter into an Agreement and
Plan of Merger, dated as of the date hereof (the "Merger Agreement"), which
provides that Metropolitan will merge with and into Sky pursuant to the Merger
(this and other capitalized terms used and not defined herein shall have the
meanings given to such terms in the Merger Agreement);

          WHEREAS, it is a condition to the willingness of Sky to enter into the
Merger Agreement that the Control Shareholder agrees, and in order to induce Sky
to enter into the Merger Agreement, the Control Shareholder has agreed, to enter
into this Agreement; and

          NOW, THEREFORE, in consideration of the foregoing and the mutual
covenants and agreements contained herein, and intending to be legally bound
hereby, the parties hereby agree as follows:

                                    ARTICLE 1

                            VOTING OF CONTROL SHARES
                            ------------------------

         1.1 VOTING AGREEMENT. The Control Shareholder hereby agrees that during
the time this Agreement is in effect, any meeting of the shareholders of
Metropolitan, however called, and in any action by consent of the shareholders
of Metropolitan, he shall vote the Control Shares: (i) in favor of the Merger
and the Merger Agreement (as may be amended from time to time) and (ii) against
any proposal for any recapitalization, merger, sale of assets or other business
combination between Metropolitan and any person or entity other than Sky, or any
other action or agreement that would result in a breach of any covenant,
representation or warranty or any other obligation or agreement of Metropolitan
under the Merger Agreement or that would result in any of the conditions to the
obligations of Metropolitan under the Merger Agreement not being fulfilled.

         1.2 ELECTION WITH RESPECT TO CONTROL SHARES. The Control Shareholder
hereby agrees that he will disclose to the remaining Metropolitan shareholders,
no later than twenty-one (2 1) days prior to the Effective Date, that he is
making a Mixed Election with respect to all of the Control Shares and the ratio
of cash and Sky Common Shares that the Control Shareholder will elect to receive
in connection with the Merger.

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                                    ARTICLE 2
                         REPRESENTATIONS AND WARRANTIES
                         ------------------------------

          The Control Shareholder hereby represents and warrants to Sky as
follows:

         2.1 AUTHORITY RELATIVE TO THIS AGREEMENT. He has all necessary power
and authority or capacity, as the case may be, to execute and deliver this
Agreement, to perform his obligations hereunder and to consummate the
transaction contemplated hereby. This Agreement has been duly and validly
executed and delivered by the Control Shareholder and constitutes a legal, valid
and' binding obligation of the Control Shareholder, enforceable against him in
accordance with its terms.

         2.2 NO CONFLICT.

                  (a) The execution and delivery of this Agreement by the
Control Shareholder do not, and the performance of this Agreement by the Control
Shareholder will not (i) conflict with or violate any law, rule, regulation,
order, judgment or decree applicable to the Control Shareholder or by which the
Control Shares are bound, or (ii) result in any breach of or constitute a
default (or an event that with notice or lapse of time or both would become a
default) under, or give to others any rights of termination, amendment,
acceleration or cancellation of, or result in the creation of a lien or
encumbrance on any of the Control Shares pursuant to, any note, bond, mortgage,
indenture, contract, agreement, lease, license, permit, franchise or other
instrument or obligation to which the Control Shareholder is a party or by which
the Control Shareholder or any Control Shares are bound, except, in the case of
clauses (i) and (ii), for any such conflicts, violations, breaches, defaults or
other occurrences that would not prevent or delay the performance by the Control
Shareholder of his obligations under this Agreement.

                  (b) The execution and delivery of this Agreement by the
Control Shareholder do not, and the performance of this Agreement by the Control
Shareholder will not, require any consent, approval, authorization or permit of,
or filing with or notification to, any Governmental Authority or Regulatory
Authority.

         2.3 TITLE TO THE CONTROL SHARES. The Control Shareholder is the owner
of the number and class of Control Shares specified on Exhibit A hereto, free
and clear of all security interests, liens, claims, pledges, options, rights of
first refusal, agreements, limitations on voting rights, charges and other
encumbrances of any nature whatsoever, other than pursuant to (i) that certain
Pledge Agreement, dated October 18, 2000, by Kaye in favor of Amboy National
Bank, (ii) that certain Pledge Agreement, dated as of September 12, 2002, by
Kaye in favor of Metropolitan and/or its subsidiary, Metropolitan Bank and Trust
Company, and (iii) that certain Pledge Agreement, dated as of October 15, 2002,
by Kaye in favor of Sky. The Control Shareholder has not appointed or granted
any proxy, which appointment or grant is still effective, with respect to the
Control Shares. The Control Shareholder has sole voting power with respect to
his Control Shares.

                                        2

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                                    ARTICLE 3
                                  MISCELLANEOUS
                                  -------------

         3.1 TERMINATION. This Agreement shall terminate on the earlier to occur
of (i) the Effective Date of the Merger and (ii) the date of the termination of
the Merger Agreement.

         3.2 SPECIFIC PERFORMANCE. The Control Shareholder agrees that
irreparable damage would occur in the event any provision of this Agreement was
not performed in accordance with the terms hereof and that Sky shall be entitled
to specific performance of the terms hereof, in addition to any other remedy at
law or in equity.

         3.3 ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
between the parties and supersedes all prior agreements and understandings with
respect to the subject matter hereof.

         3.4 AMENDMENT. This Agreement may not be amended except by an
instrument in writing signed by all the parties hereto.

         3.5 SEVERABILITY. If any term or other provision of this Agreement is
invalid, illegal or incapable of being enforced by any rule of law or public
policy, all other conditions and provisions of this Agreement shall nevertheless
remain in full force and effect so long as the economic or legal substance of
the transactions contemplated hereby is not affected in any manner materially
adverse to any party. Upon such determination that any term or other provision
is invalid, illegal or incapable of being enforced, the parties hereto shall
negotiate in good faith to modify this Agreement so as to effect the original
intent of the parties as closely as possible in an acceptable manner to the end
that the transactions contemplated hereby are fulfilled to the fullest extent
possible.

         3.6 GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the law of the State of Ohio.

         3.7 COUNTERPARTS. This Agreement may be executed in counterparts, each
of which shall be deemed to be an original, but all of which shall constitute
one and the same agreement.

         3.8 ASSIGNMENTS. This Agreement shall not be assigned by operation of
law or otherwise.

         3.9 PARTIES IN INTEREST. This Agreement shall be binding upon and inure
solely to the benefit of each party hereto, and nothing in this Agreement,
express or implied, is intended to or shall confer upon any person any right,
benefit or remedy of any nature whatsoever under or by reason of this Agreement.

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         IN WITNESS WHEREOF, the parties have caused this Agreement to be duly
executed on the day first written above.

CONTROLSHAREHOLDER                          SKY FINANCIAL GROUP, INC.

By:  /s/ Robert M. Kaye                    By:  /s/ Marty E. Adams
     ---------------------------                --------------------------------
     Robert M. Kaye                             Marty E. Adams
                                                Chairman, President and CEO

                                        4

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                                                                  Execution Copy

                                    EXHIBIT A
                                    ---------

NAME                                           NUMBER OF COMMON SHARES
----                                           -----------------------

Common Stock, No Par Value                     10,769,215

                                       A-1

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