<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>
<RESTATED>
<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>                                         240,743
<INT-BEARING-DEPOSITS>                           4,369
<FED-FUNDS-SOLD>                               128,253
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,373,654
<INVESTMENTS-CARRYING>                       3,937,975
<INVESTMENTS-MARKET>                         3,992,427
<LOANS>                                     16,123,893
<ALLOWANCE>                                    142,635
<TOTAL-ASSETS>                              23,914,712
<DEPOSITS>                                  14,417,210
<SHORT-TERM>                                   797,397
<LIABILITIES-OTHER>                            589,642
<LONG-TERM>                                  6,234,220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,689
<OTHER-SE>                                   1,824,554
<TOTAL-LIABILITIES-AND-EQUITY>              23,914,712
<INTEREST-LOAN>                                319,475
<INTEREST-INVEST>                              111,926
<INTEREST-OTHER>                                10,522
<INTEREST-TOTAL>                               441,923
<INTEREST-DEPOSIT>                             150,639
<INTEREST-EXPENSE>                             260,842
<INTEREST-INCOME-NET>                          181,081
<LOAN-LOSSES>                                    6,613
<SECURITIES-GAINS>                               3,993
<EXPENSE-OTHER>                                109,858
<INCOME-PRETAX>                                110,941
<INCOME-PRE-EXTRAORDINARY>                      74,053
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    74,053
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                     64,963
<LOANS-PAST>                                    20,445
<LOANS-TROUBLED>                                 6,696
<LOANS-PROBLEM>                                 30,800
<ALLOWANCE-OPEN>                               142,985
<CHARGE-OFFS>                                    8,451
<RECOVERIES>                                     1,488
<ALLOWANCE-CLOSE>                              142,635
<ALLOWANCE-DOMESTIC>                           142,635
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>