<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         162,991
<INT-BEARING-DEPOSITS>                           4,369
<FED-FUNDS-SOLD>                                   253
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,652,163
<INVESTMENTS-CARRYING>                       3,859,366
<INVESTMENTS-MARKET>                         3,912,526
<LOANS>                                     12,948,081
<ALLOWANCE>                                    112,884
<TOTAL-ASSETS>                              19,457,016
<DEPOSITS>                                  10,548,095
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            491,373
<LONG-TERM>                                  6,984,173
<PREFERRED-MANDATORY>                            1,299
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                   1,432,076
<TOTAL-LIABILITIES-AND-EQUITY>              19,457,016
<INTEREST-LOAN>                                255,163
<INTEREST-INVEST>                               98,717
<INTEREST-OTHER>                                 8,524
<INTEREST-TOTAL>                               362,404
<INTEREST-DEPOSIT>                             111,336
<INTEREST-EXPENSE>                             221,032
<INTEREST-INCOME-NET>                          141,372
<LOAN-LOSSES>                                    4,802
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 81,157
<INCOME-PRETAX>                                 95,538
<INCOME-PRE-EXTRAORDINARY>                      95,538
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    63,533
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                      .48
<YIELD-ACTUAL>                                    2.98
<LOANS-NON>                                     39,847
<LOANS-PAST>                                    12,391
<LOANS-TROUBLED>                                 6,696
<LOANS-PROBLEM>                                 30,800
<ALLOWANCE-OPEN>                               113,868
<CHARGE-OFFS>                                    7,067
<RECOVERIES>                                     5,786
<ALLOWANCE-CLOSE>                              112,884
<ALLOWANCE-DOMESTIC>                           112,884
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>