<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 SIX MONTHS ENDED JUNE 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                         215,473
<INT-BEARING-DEPOSITS>                           5,214
<FED-FUNDS-SOLD>                                   446
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,330,359
<INVESTMENTS-CARRYING>                       2,048,022
<INVESTMENTS-MARKET>                         2,074,481
<LOANS>                                     17,772,892
<ALLOWANCE>                                    142,653
<TOTAL-ASSETS>                              24,952,604
<DEPOSITS>                                  15,087,605
<SHORT-TERM>                                 1,513,541
<LIABILITIES-OTHER>                            393,240
<LONG-TERM>                                  6,002,803
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,664
<OTHER-SE>                                   1,953,751
<TOTAL-LIABILITIES-AND-EQUITY>              24,952,604
<INTEREST-LOAN>                                678,475
<INTEREST-INVEST>                              165,601
<INTEREST-OTHER>                                13,459
<INTEREST-TOTAL>                               857,535
<INTEREST-DEPOSIT>                             291,744
<INTEREST-EXPENSE>                             471,705
<INTEREST-INCOME-NET>                          385,830
<LOAN-LOSSES>                                   14,614
<SECURITIES-GAINS>                               9,832
<EXPENSE-OTHER>                                221,536
<INCOME-PRETAX>                                267,354
<INCOME-PRE-EXTRAORDINARY>                     180,636
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   180,636
<EPS-BASIC>                                     1.09
<EPS-DILUTED>                                     1.06
<YIELD-ACTUAL>                                    3.32
<LOANS-NON>                                    101,828
<LOANS-PAST>                                     4,777
<LOANS-TROUBLED>                                   682
<LOANS-PROBLEM>                                 43,998
<ALLOWANCE-OPEN>                               144,566
<CHARGE-OFFS>                                   20,550
<RECOVERIES>                                     4,023
<ALLOWANCE-CLOSE>                              142,653
<ALLOWANCE-DOMESTIC>                           142,653
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>