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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                     FORM 15

             Certification and Notice of Termination of Registration
           under Section 12(g) of the Securities Exchange Act of 1934
             or Suspension of Duty to File Reports Under Sections 13
                and 15(d) of the Securities Exchange Act of 1934

                        Commission File Number 000-22201

                             Emerald Financial Corp.
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             (Exact name of registrant as specified in its charter)

           14092 Pearl Road, Strongsville, Ohio 44136; (440) 238-7311
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               (Address, including zip code and telephone number,
                 including area code, of registrant's principal
                               executive offices)

                      Common Stock, no par value per share
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            (Title of each class of securities covered by this Form)

                                      None
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              (Titles of all other classes of securities for which
                  a duty to file reports under section 13(a) or
                                 15(d) remains)

         Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

         Rule 12g-4(a)(1)(i)     /X/             Rule 12h-3(b)(1)(ii)     / /
         Rule 12g-4(a)(1)(ii)    / /             Rule 12h-3(b)(2)(i)      / /
         Rule 12g-4(a)(2)(i)     / /             Rule 12h-3(b)(2)(ii)     / /
         Rule 12g-4(a)(2)(ii)    / /             Rule 15d-6               / /
         Rule 12h-3(b)(1)(i)     / /

     Approximate number of holders of record as of the certification or notice
date:   None .
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        Pursuant to the requirements of the Securities Exchange Act of 1934,
Emerald Financial Corp. has caused this certification/notice to be signed on its
behalf by the undersigned duly authorized person.

Dated:   August 6, 1999       By: /s/ Paul L. Reynolds
                                  -------------------------------------------
                              Name:   Paul L. Reynolds
                              Title:  Assistant Secretary of Fifth Third Bancorp
                                      (successor by merger to Emerald Financial
                                      Corp.)