<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, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                         407,873
<INT-BEARING-DEPOSITS>                          13,682
<FED-FUNDS-SOLD>                                44,587
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,878,326
<INVESTMENTS-CARRYING>                       1,844,607
<INVESTMENTS-MARKET>                         1,838,771
<LOANS>                                     23,413,878
<ALLOWANCE>                                    185,267
<TOTAL-ASSETS>                              30,619,691
<DEPOSITS>                                  18,997,596
<SHORT-TERM>                                 4,462,179
<LIABILITIES-OTHER>                            586,084
<LONG-TERM>                                  4,115,786
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,127
<OTHER-SE>                                   2,455,919
<TOTAL-LIABILITIES-AND-EQUITY>              30,619,691
<INTEREST-LOAN>                                428,110
<INTEREST-INVEST>                               97,301
<INTEREST-OTHER>                                 8,659
<INTEREST-TOTAL>                               534,070
<INTEREST-DEPOSIT>                             180,255
<INTEREST-EXPENSE>                             301,067
<INTEREST-INCOME-NET>                          233,033
<LOAN-LOSSES>                                    8,598
<SECURITIES-GAINS>                               2,714
<EXPENSE-OTHER>                                142,728
<INCOME-PRETAX>                                164,295
<INCOME-PRE-EXTRAORDINARY>                     111,709
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   111,709
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.53
<YIELD-ACTUAL>                                    3.26
<LOANS-NON>                                    147,485
<LOANS-PAST>                                    14,580
<LOANS-TROUBLED>                                   953
<LOANS-PROBLEM>                                 77,500
<ALLOWANCE-OPEN>                               186,400
<CHARGE-OFFS>                                   11,827
<RECOVERIES>                                     2,096
<ALLOWANCE-CLOSE>                              185,267
<ALLOWANCE-DOMESTIC>                           185,267
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>