SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934


                            SKY FINANCIAL GROUP, INC.
               --------------------------------------------------
                                (Name of Issuer)

                           COMMON STOCK, NO PAR VALUE
          -------------------------------------------------------------
                         (Title of Class of Securities)


                                    83080P103
               ---------------------------------------------------
                                 (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


---------------------------------------------------------------------------
[1]  Name of Reporting Persons S.S. or I.R.S. Identification Nos.

                           CINCINNATI FINANCIAL CORPORATION 31-0746871
---------------------------------------------------------------------------
[2]  Check the Appropriate Box if a Member of a Group
                                 (a) __________
                                 (b) __________
---------------------------------------------------------------------------
[3]  SEC Use Only


---------------------------------------------------------------------------
[4]  Citizenship or Place of Organization

                                            FAIRFIELD, OHIO
---------------------------------------------------------------------------
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
---------------------------------------------------------------------------
[9]  Aggregate Amount Beneficially Owned By Each Reporting Person

                                                     4,658,018
---------------------------------------------------------------------------
[10]  Check Box
      If the Aggregate Amount in Row [9] Excludes Certain Shares
                                                      N/A
---------------------------------------------------------------------------
[11]  Percent of Class Represented by Amount in Row 9
                                                      5.1%
---------------------------------------------------------------------------
[12]  Type of Reporting Person*
                                                     PH, IC, IA
---------------------------------------------------------------------------




                                                           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
                 ---------------------------------
                          KENNETH W. STECHER
                        CHIEF FINANCIAL OFFICER



             *This stock is held in custody by the Fifth Third Bank or
              Charles Schwab Institutional.