SKY FINANCIAL GROUP INC
10-Q, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheets, the Consolidated Statements of Income and
Management's Discussion and Analysis of Financial Condition and Results
of Operations and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JUL-01-2000             JAN-01-2000
<PERIOD-END>                               SEP-30-2000             SEP-30-2000
<CASH>                                         208,342                 208,342
<INT-BEARING-DEPOSITS>                          21,381                  21,381
<FED-FUNDS-SOLD>                                 7,000                   7,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  1,849,420               1,849,420
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      5,816,758               5,816,758
<ALLOWANCE>                                     91,675                  91,675
<TOTAL-ASSETS>                               8,258,745               8,258,745
<DEPOSITS>                                   5,785,866               5,785,866
<SHORT-TERM>                                   741,264                 741,264
<LIABILITIES-OTHER>                            120,096                 120,096
<LONG-TERM>                                  1,027,245               1,027,245
                                0                       0
                                          0                       0
<COMMON>                                       580,001                 580,001
<OTHER-SE>                                       4,273                   4,273
<TOTAL-LIABILITIES-AND-EQUITY>               8,258,745               8,258,745
<INTEREST-LOAN>                                128,516                 371,465
<INTEREST-INVEST>                               30,693                  88,299
<INTEREST-OTHER>                                   358                   1,052
<INTEREST-TOTAL>                               159,567                 460,816
<INTEREST-DEPOSIT>                              57,400                 161,342
<INTEREST-EXPENSE>                              84,036                 233,543
<INTEREST-INCOME-NET>                           75,531                 227,273
<LOAN-LOSSES>                                    6,094                  15,164
<SECURITIES-GAINS>                             (3,993)                 (3,146)
<EXPENSE-OTHER>                                 59,378                 173,927
<INCOME-PRETAX>                                 36,641                 127,832
<INCOME-PRE-EXTRAORDINARY>                      36,641                 127,832
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    25,150                  87,755
<EPS-BASIC>                                       0.33                    1.14
<EPS-DILUTED>                                     0.33                    1.13
<YIELD-ACTUAL>                                    4.05                    4.17
<LOANS-NON>                                     19,161                  19,161
<LOANS-PAST>                                     9,186                   9,186
<LOANS-TROUBLED>                                 1,185                   1,185
<LOANS-PROBLEM>                                 49,682                  49,682
<ALLOWANCE-OPEN>                                88,018                  86,750
<CHARGE-OFFS>                                    4,174                  16,582
<RECOVERIES>                                     1,737                   6,343
<ALLOWANCE-CLOSE>                               91,675                  91,675
<ALLOWANCE-DOMESTIC>                            69,963                  69,963
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         21,712                  21,712


</TABLE>


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