<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         263,543
<INT-BEARING-DEPOSITS>                           4,533
<FED-FUNDS-SOLD>                               125,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,725,366
<INVESTMENTS-CARRYING>                       3,493,878
<INVESTMENTS-MARKET>                         3,545,788
<LOANS>                                     16,609,120
<ALLOWANCE>                                    141,858
<TOTAL-ASSETS>                              24,326,695
<DEPOSITS>                                  14,755,347
<SHORT-TERM>                                   969,105
<LIABILITIES-OTHER>                            457,164
<LONG-TERM>                                  6,209,556
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,689
<OTHER-SE>                                   1,883,834
<TOTAL-LIABILITIES-AND-EQUITY>              24,326,695
<INTEREST-LOAN>                                647,951
<INTEREST-INVEST>                              212,639
<INTEREST-OTHER>                                21,586
<INTEREST-TOTAL>                               882,176
<INTEREST-DEPOSIT>                             304,645
<INTEREST-EXPENSE>                             519,972
<INTEREST-INCOME-NET>                          362,204
<LOAN-LOSSES>                                   13,768
<SECURITIES-GAINS>                               8,074
<EXPENSE-OTHER>                                220,473
<INCOME-PRETAX>                                228,827
<INCOME-PRE-EXTRAORDINARY>                     153,412
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   153,412
<EPS-BASIC>                                      .93
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    3.13
<LOANS-NON>                                     90,337
<LOANS-PAST>                                    20,061
<LOANS-TROUBLED>                                 6,281
<LOANS-PROBLEM>                                 36,300
<ALLOWANCE-OPEN>                               142,985
<CHARGE-OFFS>                                   18,002
<RECOVERIES>                                     3,107
<ALLOWANCE-CLOSE>                              141,858
<ALLOWANCE-DOMESTIC>                           141,858
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>