<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, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         125,441
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               165,237
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    355,951
<INVESTMENTS-CARRYING>                       4,912,793
<INVESTMENTS-MARKET>                         4,912,110
<LOANS>                                      7,776,920
<ALLOWANCE>                                     65,711
<TOTAL-ASSETS>                              13,826,085
<DEPOSITS>                                   7,748,292
<SHORT-TERM>                                   106,079
<LIABILITIES-OTHER>                            225,336
<LONG-TERM>                                  4,835,592
<COMMON>                                           475
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     910,311
<TOTAL-LIABILITIES-AND-EQUITY>              13,826,085
<INTEREST-LOAN>                                443,845
<INTEREST-INVEST>                              318,324
<INTEREST-OTHER>                                16,886
<INTEREST-TOTAL>                               749,055
<INTEREST-DEPOSIT>                             241,219
<INTEREST-EXPENSE>                             460,967
<INTEREST-INCOME-NET>                          288,088
<LOAN-LOSSES>                                    3,001
<SECURITIES-GAINS>                             (3,782)
<EXPENSE-OTHER>                                194,790
<INCOME-PRETAX>                                127,676
<INCOME-PRE-EXTRAORDINARY>                     127,676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    84,851
<EPS-PRIMARY>                                     1.77
<EPS-DILUTED>                                     1.76
<YIELD-ACTUAL>                                    2.95
<LOANS-NON>                                     13,640
<LOANS-PAST>                                     7,152
<LOANS-TROUBLED>                                17,840
<LOANS-PROBLEM>                                 50,600
<ALLOWANCE-OPEN>                                64,436
<CHARGE-OFFS>                                    2,018
<RECOVERIES>                                       292
<ALLOWANCE-CLOSE>                               65,711
<ALLOWANCE-DOMESTIC>                            65,711
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>