<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF CHARTER ONE FINANCIAL, INC. AND 
SUBSIDIARIES AS OF AND FOR THE THREE MONTHS ENDED MARCH 31, 1999 AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         235,635
<INT-BEARING-DEPOSITS>                           5,704
<FED-FUNDS-SOLD>                                   677
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,109,450
<INVESTMENTS-CARRYING>                       2,346,728
<INVESTMENTS-MARKET>                         2,391,901
<LOANS>                                     17,387,118
<ALLOWANCE>                                    141,281
<TOTAL-ASSETS>                              24,554,809
<DEPOSITS>                                  15,126,986
<SHORT-TERM>                                   865,815
<LIABILITIES-OTHER>                            451,317
<LONG-TERM>                                  6,158,320
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,662
<OTHER-SE>                                   1,950,709
<TOTAL-LIABILITIES-AND-EQUITY>              24,554,809
<INTEREST-LOAN>                                342,133
<INTEREST-INVEST>                               80,072
<INTEREST-OTHER>                                 7,216
<INTEREST-TOTAL>                               429,421
<INTEREST-DEPOSIT>                             146,779
<INTEREST-EXPENSE>                             235,217
<INTEREST-INCOME-NET>                          194,204
<LOAN-LOSSES>                                    6,771
<SECURITIES-GAINS>                               5,164
<EXPENSE-OTHER>                                109,831
<INCOME-PRETAX>                                131,156
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    88,135
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    3.35
<LOANS-NON>                                     79,920
<LOANS-PAST>                                     8,660
<LOANS-TROUBLED>                                 2,557
<LOANS-PROBLEM>                                 45,723
<ALLOWANCE-OPEN>                               144,566
<CHARGE-OFFS>                                   11,815
<RECOVERIES>                                     1,759
<ALLOWANCE-CLOSE>                              141,281
<ALLOWANCE-DOMESTIC>                           141,281
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>