<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 NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         502,198
<INT-BEARING-DEPOSITS>                          16,227
<FED-FUNDS-SOLD>                                   428
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,368,704
<INVESTMENTS-CARRYING>                       1,625,111
<INVESTMENTS-MARKET>                         1,635,557
<LOANS>                                     24,126,904
<ALLOWANCE>                                    189,583
<TOTAL-ASSETS>                              32,778,473
<DEPOSITS>                                  18,722,258
<SHORT-TERM>                                 4,743,835
<LIABILITIES-OTHER>                            705,104
<LONG-TERM>                                  6,273,159
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,127
<OTHER-SE>                                   2,331,990
<TOTAL-LIABILITIES-AND-EQUITY>              32,778,473
<INTEREST-LOAN>                              1,337,985
<INTEREST-INVEST>                              291,119
<INTEREST-OTHER>                                28,082
<INTEREST-TOTAL>                             1,657,186
<INTEREST-DEPOSIT>                             554,322
<INTEREST-EXPENSE>                             414,659
<INTEREST-INCOME-NET>                          688,205
<LOAN-LOSSES>                                   33,285
<SECURITIES-GAINS>                              10,185
<EXPENSE-OTHER>                                458,874
<INCOME-PRETAX>                                447,350
<INCOME-PRE-EXTRAORDINARY>                     447,350
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   324,588
<EPS-BASIC>                                       1.50
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                    157,272
<LOANS-PAST>                                    14,749
<LOANS-TROUBLED>                                   669
<LOANS-PROBLEM>                                 53,691
<ALLOWANCE-OPEN>                               186,400
<CHARGE-OFFS>                                   36,619
<RECOVERIES>                                     6,517
<ALLOWANCE-CLOSE>                              189,583
<ALLOWANCE-DOMESTIC>                           189,583
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>