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%