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Exhibit 31.2

Certification Required by Securities Exchange Act of 1934 Rule 13a-14(a) (Chief
Financial Officer)

I, Richard W. Neu, certify that:

1.     I have reviewed this quarterly report on Form 10-Q of Charter One Financial,
Inc. (the Registrant);

2.     Based on my knowledge, this report does not contain any untrue statement of
a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were
made, not misleading with respect to the period covered by this report;

3.     Based on my knowledge, the consolidated financial statements, and other
financial information included in this report, fairly present in all material
respects the consolidated financial condition, results of operations and cash
flows of the Registrant as of, and for, the periods presented in this report;

4.     The Registrants other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the Registrant and have:



| |  |  | a) designed such disclosure controls and procedures, or caused such
disclosure controls and procedures to be designed under our supervision,
to ensure that material information relating to the Registrant, including
its consolidated subsidiaries, is made known to us by others within those
entities, particularly during the period in which this report is being
prepared;
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| |  |  | b) evaluated the effectiveness of the Registrants disclosure controls
and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of
the period covered by this report based on such evaluation; and                                                                                           
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| |  |  | c) disclosed in this report any change in the Registrants internal
control over financial reporting that occurred during the Registrants
most recent fiscal quarter that has materially affected, or is reasonably
likely to materially affect, the Registrants internal control over
financial reporting; and                                                                

5.     The Registrants other certifying officer and I have disclosed, based on our
most recent evaluation of internal control over financial reporting, to the
Registrants auditors and the Audit Committee of the Registrants Board of
Directors (or persons performing the equivalent functions):



| |  |  | a) all significant deficiencies and material weaknesses in the design or
operation of internal control over financial reporting which are
reasonably likely to adversely affect the Registrants ability to record,
process, summarize and report financial information; and
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| |  |  | b) any fraud, whether or not material, that involves management or other
employees who have a significant role in the Registrants internal
control over financial reporting.                                                                                               

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|----------------------- |  | ------------------------------------------------------------------- |  | 
|Date: November 10, 2003 |  | /s/ Richard W. Neu                                                  |  | 
|                       
|                        |  | Richard W. Neu
Executive Vice President and Chief
Financial Officer |  | 

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