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FORM 10-C
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
Report by issuer of securities quoted on The Nasdaq Stock Market(SM), filed
pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 and Rule
13a-17 or 15d-17 thereunder.
EXACT NAME OF ISSUER AS SPECIFIED IN CHARTER: Charter One Financial, Inc.
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ADDRESS OF PRINCIPAL EXECUTIVE OFFICES: 1215 Superior Avenue, Cleveland,
Ohio 44114
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ISSUER'S TELEPHONE NUMBER (INCLUDING AREA CODE): (216) 566-5300
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I. CHANGE IN NUMBER OF SHARES OUTSTANDING
Indicate any change (increase or decrease) of five percent or more in the
number of shares outstanding:
1. Title of security Common Stock, par value $.01 per share
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2. Number of shares outstanding before the change 22,395,063
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3. Number of shares outstanding after the change 44,901,264
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4. Effective date of change October 31, 1995
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5. Method of change merger
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Specify method (such as merger, acquisition, exchange, distribution, stock
split, reverse split, acquisition of stock for treasury,
etc.)___________________________________________________________________________
Give brief description of transaction merger of equals with FirstFed Michigan
Corporation
II. CHANGE IN NAME OF ISSUER
1. Name prior to change
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2. Name after change
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3. Effective date of charter amendment changing name
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4. Date of shareholder approval of change, if required
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Date: November 9, 1995 By: /s/ Robert J. Vana
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Robert J. Vana
Chief Corporate Counsel and Corporate
Secretary
