<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, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         120,378
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                85,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,431,110
<INVESTMENTS-CARRYING>                       3,341,684
<INVESTMENTS-MARKET>                         3,381,893
<LOANS>                                      9,081,759
<ALLOWANCE>                                     65,935
<TOTAL-ASSETS>                              14,560,078
<DEPOSITS>                                   7,777,575
<SHORT-TERM>                                   249,144
<LIABILITIES-OTHER>                            248,725
<LONG-TERM>                                  5,311,023
<COMMON>                                           475
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     973,136
<TOTAL-LIABILITIES-AND-EQUITY>              14,560,078
<INTEREST-LOAN>                                335,958
<INTEREST-INVEST>                              172,225
<INTEREST-OTHER>                                10,494
<INTEREST-TOTAL>                               519,018
<INTEREST-DEPOSIT>                             170,968
<INTEREST-EXPENSE>                             323,184
<INTEREST-INCOME-NET>                          195,493
<LOAN-LOSSES>                                      480
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 94,025
<INCOME-PRETAX>                                134,056
<INCOME-PRE-EXTRAORDINARY>                     134,056
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    89,817
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.88
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                     18,293
<LOANS-PAST>                                     8,422
<LOANS-TROUBLED>                                 8,411
<LOANS-PROBLEM>                                 41,300
<ALLOWANCE-OPEN>                                65,922
<CHARGE-OFFS>                                      640
<RECOVERIES>                                       173
<ALLOWANCE-CLOSE>                               65,935
<ALLOWANCE-DOMESTIC>                            65,935
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>