<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, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         236,687
<INT-BEARING-DEPOSITS>                           5,439
<FED-FUNDS-SOLD>                                   451
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,554,435
<INVESTMENTS-CARRYING>                       1,868,986
<INVESTMENTS-MARKET>                         1,884,818
<LOANS>                                     18,166,310
<ALLOWANCE>                                    142,247
<TOTAL-ASSETS>                              25,501,198
<DEPOSITS>                                  15,059,836
<SHORT-TERM>                                 2,242,435
<LIABILITIES-OTHER>                            382,519
<LONG-TERM>                                  5,824,183
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,723
<OTHER-SE>                                   1,961,325
<TOTAL-LIABILITIES-AND-EQUITY>              25,501,198
<INTEREST-LOAN>                              1,021,381
<INTEREST-INVEST>                              253,007
<INTEREST-OTHER>                                20,544
<INTEREST-TOTAL>                             1,294,932
<INTEREST-DEPOSIT>                             436,838
<INTEREST-EXPENSE>                             718,958
<INTEREST-INCOME-NET>                          575,974
<LOAN-LOSSES>                                   21,979
<SECURITIES-GAINS>                              16,185
<EXPENSE-OTHER>                                333,285
<INCOME-PRETAX>                                405,857
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   274,653
<EPS-BASIC>                                       1.58
<EPS-DILUTED>                                     1.54
<YIELD-ACTUAL>                                    3.22
<LOANS-NON>                                    111,765
<LOANS-PAST>                                     8,084
<LOANS-TROUBLED>                                   690
<LOANS-PROBLEM>                                 41,726
<ALLOWANCE-OPEN>                               144,566
<CHARGE-OFFS>                                   30,338
<RECOVERIES>                                     6,040
<ALLOWANCE-CLOSE>                              142,247
<ALLOWANCE-DOMESTIC>                           142,247
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>