SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
SKY FINANCIAL GROUP, INC.
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(Name of Issuer)
COMMON STOCK, NO PAR VALUE
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(Title of Class of Securities)
83080P103
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(CUSIP Number)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
CUSIP 83080P103 13G page 2 of 6
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[1] Name of Reporting Persons S.S. or I.R.S. Identification Nos.
CINCINNATI FINANCIAL CORPORATION 31-0746871
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[2] Check the Appropriate Box if a Member of a Group
(a) __________
(b) __________
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[3] SEC Use Only
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[4] Citizenship or Place of Organization
FAIRFIELD, OHIO
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Number of [5] Sole Voting Power 4,658,018
Shares --------------------------------------------------
Beneficially [6] Shared Voting Power -0-
Owned By --------------------------------------------------
Each [7] Sole Dispositive Power 4,658,018
Reporting --------------------------------------------------
Person [8] Shared Dispositive Power -0-
With
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[9] Aggregate Amount Beneficially Owned By Each Reporting Person
4,658,018
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[10] Check Box
If the Aggregate Amount in Row [9] Excludes Certain Shares
N/A
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[11] Percent of Class Represented by Amount in Row 9
5.1%
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[12] Type of Reporting Person*
PH, IC, IA
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13G Page 3 of 6
Item 1 (a) Name of Issuer: SKY FINANCIAL GROUP, INC.
Item 1 (b) Address of issuer's Principal Executive Offices:
221 SOUTH CHURCH STREET
BOWLING GREEN, OHIO 43402
Item 2 (a) Name of Person Filing: CINCINNATI FINANCIAL CORPORATION
Item 2 (b) Address of Principal Business Office:
P.O. BOX 145496
CINCINNATI, OHIO 45250-5496
Item 2 (c) Citizenship: OHIO
Item 2 (d) Title of Class of Securities:
COMMON STOCK, NO PAR VALUE
Item 2 (e) CUSIP Number:
83080P103
Item 3. Type of Reporting Person
(a) [ ] Broker or Dealer registered under Section 15 of the Act
(b) [ ] Bank as defined in section 3(a) (6) of the Act
(c) [X] Insurance Company as defined in sections 3(a) (19) of the Act
(d) [ ] Investment Company registered under section 8 of the Investment
Company Act
(e) [X] Investment Adviser registered under section 203 of the Investment
Advisers Act of 1940
(f) [ ] Employees Benefit Plan, Pension Fund which is subject to the provisions
of the Employee Retirement Income Security Act of 1947 or
Endowment Fund
(g) [X] Parent Holding Company, in accordance with 240.13d-b (ii) (G)
(h) [ ] Group, in accordance with 240.13d-1 (b) (1) (ii) (H)
13G page 4 of 6
Item 4 Ownership:
(a) Amount Beneficially Owned: 4,658,018
(b) Percent of Class: 5.1%
(c) Number of Shares as to which CFC has:
(i) sole power to vote or to direct the vote ........... 4,658,018
(ii) shared power to vote or to direct the vote ......... -0-
(iii) sole power to dispose or to direct the
disposition of ..................................... 4,658,018
(iv) shared power to dispose or to direct the
disposition of ..................................... -0-
Item 5. Ownership of Five Percent or less of A Class:
N/A
Item 6. Ownership of More than Five Percent on Behalf of Another person.
N/A
13G page 5 of 6
Item 7. Identification and Classification of the Subsidiary which
Acquired the Security Being Reported on by the parent Holding
Company:
This Schedule 13G is being filed by the Cincinnati Financial Corporation for
itself or, if item 3(g) has been checked, as a parent holding company with
respect to the holding of its following subsidiaries:
[X] Cincinnati Financial Corporation (31-0746871), a parent
holding company, in accordance with 240.13d-(b) (ii) (G)
[X] Cincinnati Insurance Company (31-0542366), an insurance company as
defined in sections 9 (a) (19) of the Act
[ ] Cincinnati Casualty Company (31-0826946), an insurance
company as defined in sections 3 (a) (19) of the Act
[ ] Cincinnati Indemnity Company (31-1241793), an insurance
company as defined in sections 3 (a) (19) of the Act
[X] Cincinnati Life Insurance Company (31-1213778), an insurance
company as defined in sections 3 (a) (19) of the Act
[ ] Cincinnati Financial Retirement Plan Trust (31-0746871), an
employee benefit plan, pension fund which is subject to the
provisions of the Employee Retirement Income Security Act
of 1947 or Endowment Fund
[X] CinFin Capital Management (31-1596849), an Investment Adviser
registered under section 203 of the Investment Advisers Act of 1940
13G Page 6 of 6
Item 8. Identification and Classification of Members of the Group:
Item 9. Notice of Dissolution of Group:
Item 10. Certification:
By signing below I certify that to the best of my knowledge
and belief, the securities referred to above were acquired in
the ordinary course of business and were not acquired for the
purpose of and do not have the effect of changing or
influencing the control of the issuer of such securities and
were not acquired in connection with or as a participant in
any transaction having such purposes or effect.
Signature
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
statement is true, complete and correct.
DATE: FEBRUARY 05, 2004
THE CINCINNATI FINANCIAL CORPORATION
By /s/ Kenneth W. Stecher
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KENNETH W. STECHER
CHIEF FINANCIAL OFFICER
*This stock is held in custody by the Fifth Third Bank or
Charles Schwab Institutional.