FILED BY GLB BANCORP, INC.

             PURSUANT TO RULE 425 UNDER THE SECURITIES ACT OF 1933
               AND DEEMED FILED PURSUANT TO RULE 14A-12 UNDER THE
                         SECURITIES EXCHANGE ACT OF 1934

                       SUBJECT COMPANY: GLB BANCORP, INC.
                          COMMISSION FILE NO. 000-24255

                             DATE: OCTOBER 14, 2003

This filing relates to the proposed merger of GLB Bancorp, Inc. with and into
Sky Financial Group, Inc. pursuant to the terms of an Agreement and Plan of
Merger, dated as of July 15, 2003, by and between GLB Bancorp and Sky Financial.
The merger agreement is on file with the SEC as an exhibit to the Current Report
on Form 8-K filed by GLB Bancorp on July 23, 2003, and is incorporated by
reference into this filing. In addition, on September 12, 2003, Sky Financial
filed a joint proxy statement/prospectus, Registration Statement No. 333-108171,
relating to the proposed merger pursuant to Rule 424(b)(3) of the Securities
Act. The following press release relating to unsolicited proposals from Jerome
Osborne received by GLB Bancorp was issued by GLB Bancorp on October 12, 2003.
Copies of Jerome Osborne's proposal letters are attached to this filing as
Exhibits 99.1, 99.2 and 99.3.

GLB BANCORP, INC. RECEIVES UNSOLICITED MERGER PROPOSAL
FROM JEROME T. OSBORNE, SR.

MENTOR, OHIO - October 12, 2003 - GLB BANCORP, INC. (NasdaqSC: GLBK) announces
that it has received an unsolicited proposal from Jerome T. Osborne, Sr. to
acquire all of the outstanding common shares of GLB Bancorp in a transaction
structured as a cash-for-stock merger. The GLB Bancorp Board of Directors will
meet to consider Mr. Osborne's merger proposal prior to the special meeting of
the GLB Bancorp shareholders that is scheduled for Wednesday, October 15, 2003,
and that was called for the purpose of approving the previously announced merger
agreement between GLB Bancorp and Sky Financial Group, Inc. (NasdaqNMS: SKYF).
GLB Bancorp will announce its position with respect to Mr. Osborne's merger
proposal prior to the shareholder meeting.

In July 2003, GLB Bancorp and Sky Financial announced that they entered into an
agreement providing for a stock-for-stock merger in which each outstanding GLB
Bancorp common share would be exchanged for 0.74 of a Sky Financial common
share. The merger is subject to customary closing conditions, including
regulatory approvals and the approval of the shareholders of GLB Bancorp. Under
the merger agreement, GLB Bancorp may be required to pay Sky Financial a
termination fee of $1,250,000 if GLB Bancorp enters into an agreement with a
third party to consummate a competing acquisition proposal.

On September 5, 2003, Jerome Osborne resigned his position as a director and an
officer of GLB Bancorp and its subsidiary, Great Lakes Bank, citing concerns
about a sale of the company in general and the valuation of the proposed
transaction with Sky Financial.

On September 12, 2003, Jerome Osborne initiated a series of unsolicited
discussions with the GLB Bancorp Board of Directors about the possibility of
acquiring the company by delivering a




letter in which he proposed to make a limited cash tender offer for 1,000,000
shares of GLB Bancorp common stock at $21.00 per share (which, if successful,
would have given him control of 51% of the outstanding GLB Bancorp common
shares). After considering, among other factors, its fiduciary obligations to
GLB Bancorp's shareholders, as well as the fact that the pending merger
transaction with Sky Financial would involve 100% of the outstanding GLB Bancorp
common shares, the GLB Bancorp Board responded to this proposal by indicating
that it would not consider an offer to acquire less than all outstanding common
shares of GLB Bancorp.

On September 23, 2003, Jerome Osborne delivered a second proposal letter to the
GLB Bancorp Board, in which he offered to purchase all of the stock of GLB
Bancorp's subsidiary, Great Lakes Bank. The offer assumed that, following his
purchase of all the shares of Great Lakes Bank, the full amount of his cash
payment plus currently available capital resources at GLB Bancorp would be
available to GLB Bancorp's shareholders. Based on his assumptions, Mr. Osborne
estimated that "the total amount available to shareholders . . . would be
approximately $42,700,000, which is $20.20 per share."

After carefully considering Jerome Osborne's second proposal, the GLB Bancorp
Board concluded that his offer did not represent greater value to the
shareholders than the pending stock-for-stock merger with Sky Financial. In
reaching this conclusion, the GLB Bancorp Board considered the tax consequences
of the proposed transaction and numerous other factors, including the invalidity
of certain of the assumptions made in the offer concerning the value of the
transaction to GLB Bancorp shareholders, the likelihood of whether the proposed
acquisition of Great Lakes Bank would receive regulatory approval, the length of
time it would take to consummate the proposed transaction, the significant risks
for GLB Bancorp and its shareholders if the Sky Financial merger were terminated
but the proposed sale of Great Lakes Bank stock were not consummated, the
proposal's failure to provide for any payment to the holders of options to
purchase GLB Bancorp common shares, and the fact that GLB Bancorp and its
shareholders would have to bear all the costs of the proposed transaction,
including the payment of the termination fee to Sky Financial and the costs of
liquidation of GLB Bancorp.

The GLB Bancorp Board determined, after consultation with its financial,
accounting and legal advisers, that the amount available for distribution to
shareholders after consummation of the sale would likely be far less than the
$20.20 per share described in Jerome Osborne's letter of September 23, 2003.
Because federal and state tax would be imposed on the sale of Great Lakes Bank
stock, and because of other matters not taken into consideration in Mr.
Osborne's offer, the GLB Bancorp Board believes that the proposed transaction
would more likely have resulted in a distribution of approximately $16.32 per
share of GLB Bancorp common stock.

After discussing its concerns with Jerome Osborne, the GLB Bancorp Board again
informed him that it would not consider an offer to acquire less than all
outstanding common shares of GLB Bancorp, and further indicated that any such
offer by Mr. Osborne would need to address the potential harm to GLB Bancorp's
shareholders if he were to fail to consummate the acquisition, whether because
of an inability to obtain regulatory approval for the transaction or otherwise.

On October 10, 2003, Jerome Osborne delivered a third proposal to the GLB
Bancorp Board in which he offered to acquire all of outstanding common shares of
GLB Bancorp (other than the 234,430 common shares beneficially owned by Mr.
Osborne) for $20.20 per share, or a total of approximately $43.4 million, in
cash. In this letter, Mr. Osborne states that the proposed





transaction would be structured as a merger of GLB Bancorp with an acquisition
entity to be formed and owned by him, and that the merger would be subject to
shareholder and regulatory approval, including all bank and securities filings
necessary to consummate the transaction. His letter also indicates that each
outstanding option to purchase GLB Bancorp common shares would be cancelled in
exchange for a cash payment equal to the difference between $20.20 and the
exercise price of the option. Mr. Osborne's letter does not provide any
assurance that the shareholders of GLB Bancorp will not be harmed if he fails to
consummate the merger.

The GLB Bancorp Board will meet prior to the October 15, 2003 meeting of its
shareholders to carefully and thoroughly evaluate Jerome Osborne's merger
proposal and to consider the options available to it in light of its fiduciary
obligations to its shareholders. The GLB Bancorp Board will announce its
position with respect to Mr. Osborne's merger proposal before the date of the
shareholder meeting.

GLB Bancorp will promptly file copies of the three proposal letters it has
received from Jerome Osborne with the Securities and Exchange Commission.

Forward-Looking Statements
- --------------------------
Except for the historical information contained herein, the matters discussed in
this press release may be deemed to be forward-looking statements. Such
statements involve risks and uncertainties including, but not limited to:
failure to consummate GLB Bancorp's proposed merger with Sky Financial because
of, among other things, a failure to obtain required shareholder or governmental
approvals, or adverse regulatory conditions that may be imposed in connection
with governmental approvals of the merger, or Jerome Osborne's offer to acquire
GLB Bancorp; and the general volatility of the capital markets and the market
price of GLB Bancorp's common shares and Sky Financial's common shares. Actual
results could differ materially from those contemplated by these forward-looking
statements. GLB Bancorp disclaims any intent or obligation to update these
forward-looking statements.

About GLB Bancorp
- -----------------
Headquartered in Mentor, Ohio, GLB Bancorp is a one-bank holding company that
holds all of the outstanding common stock of Great Lakes Bank. Great Lakes Bank
has $209 million in total assets with twelve branches throughout Lake County,
Ohio and one branch in Cuyahoga County, Ohio.