[WOOD BANCORP, INC. LETTERHEAD]


FOR IMMEDIATE RELEASE:


CONTACT:                   Richard L. Gordley
                           President and Chief Executive Officer
                           First Federal Bank
                           (419) 352-3502


              WOOD BANCORP, INC. STOCKHOLDERS APPROVE PLAN TO MERGE
               WITH SKY FINANCIAL GROUP, INC., BOWLING GREEN, OHIO


July  7,  1999  (Bowling  Green:   Ohio;  NASDAQ:   FFWD)  Wood  Bancorp,   Inc.
stockholders,  at a special meeting of  stockholders,  today approved the merger
agreement in which Wood  Bancorp,  Inc.  will merge with and into Sky  Financial
Group, Bowling Green, Ohio (NASDAQ: SKYF).

Under the terms of the merger agreement,  Wood Bancorp shareholders will receive
 .7315 shares of Sky Financial  Group common stock for each share of Wood Bancorp
common stock. The exchange of shares will qualify as a tax-free exchange and the
transaction  will be  accounted  for as a  pooling-of-interests.  The  merger is
expected to be completed on July 16, 1999.