<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL SATEMENTS OF CHARTER ONE FINANCIAL, INC. AND SUBSIDIARIES
AS OF AND FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1997, 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         117,104
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                72,235
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,467,667
<INVESTMENTS-CARRYING>                       3,100,872
<INVESTMENTS-MARKET>                         3,151,150
<LOANS>                                      9,852,719
<ALLOWANCE>                                     66,714
<TOTAL-ASSETS>                              15,196,993
<DEPOSITS>                                   7,940,796
<SHORT-TERM>                                   141,824
<LIABILITIES-OTHER>                            244,471
<LONG-TERM>                                  5,797,972
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           484
<OTHER-SE>                                   1,071,446
<TOTAL-LIABILITIES-AND-EQUITY>              15,196,993
<INTEREST-LOAN>                                517,805
<INTEREST-INVEST>                              254,240
<INTEREST-OTHER>                                16,767
<INTEREST-TOTAL>                               788,812
<INTEREST-DEPOSIT>                             258,005
<INTEREST-EXPENSE>                             496,483
<INTEREST-INCOME-NET>                          292,329
<LOAN-LOSSES>                                      740
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                141,051
<INCOME-PRETAX>                                205,460
<INCOME-PRE-EXTRAORDINARY>                     205,460
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   137,626
<EPS-PRIMARY>                                     2.75
<EPS-DILUTED>                                     2.74
<YIELD-ACTUAL>                                    2.80
<LOANS-NON>                                     15,846
<LOANS-PAST>                                    11,419
<LOANS-TROUBLED>                                 8,390
<LOANS-PROBLEM>                                 29,000
<ALLOWANCE-OPEN>                                65,922
<CHARGE-OFFS>                                    3,151
<RECOVERIES>                                       240
<ALLOWANCE-CLOSE>                               66,714
<ALLOWANCE-DOMESTIC>                            66,714
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>