<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>                                         179,151
<INT-BEARING-DEPOSITS>                           4,532
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,005,560
<INVESTMENTS-CARRYING>                       3,399,777
<INVESTMENTS-MARKET>                         3,450,496
<LOANS>                                     13,411,748
<ALLOWANCE>                                    112,142
<TOTAL-ASSETS>                              19,813,254
<DEPOSITS>                                  10,907,379
<SHORT-TERM>                                   891,000
<LIABILITIES-OTHER>                            350,658
<LONG-TERM>                                  6,184,835
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,299
<OTHER-SE>                                   1,478,083
<TOTAL-LIABILITIES-AND-EQUITY>              19,813,254
<INTEREST-LOAN>                                519,888
<INTEREST-INVEST>                              187,014
<INTEREST-OTHER>                                17,036
<INTEREST-TOTAL>                               723,938
<INTEREST-DEPOSIT>                             225,439
<INTEREST-EXPENSE>                             439,790
<INTEREST-INCOME-NET>                          284,148
<LOAN-LOSSES>                                   10,154
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                163,856
<INCOME-PRETAX>                                198,045
<INCOME-PRE-EXTRAORDINARY>                     198,045
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   131,894
<EPS-PRIMARY>                                     1.03
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                     66,187
<LOANS-PAST>                                    14,144
<LOANS-TROUBLED>                                 6,281
<LOANS-PROBLEM>                                 36,300
<ALLOWANCE-OPEN>                               112,884
<CHARGE-OFFS>                                    7,542
<RECOVERIES>                                     1,446
<ALLOWANCE-CLOSE>                              112,142
<ALLOWANCE-DOMESTIC>                           112,142
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>