SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): August 18, 1998
CHARTER ONE FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Delaware 0-16311 34-1567092
(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification
incorporation) No.)
1215 Superior Avenue Cleveland, Ohio 44114
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (216) 566-5300
N/A
(Former name or former address, if changed since last
report.)
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Item 5. Other Events.
Charter One Financial, Inc. ("Charter One") is
filing this Current Report on Form 8-K to incorporate by
reference herein the Quarterly Report on Form 10-Q for the
quarter ended June 30, 1998 of ALBANK Financial Corporation
("ALBANK"). This Current Report on Form 8-K is to be
incorporated by reference into Amendment Number 1 to the
Registration Statement on Form S-4 to be filed by
Charter One in connection with the acquisition of CS Financial
Corporation.
Item 7. Financial Statements and Exhibits
(c) Exhibits
99 The Quarterly Report on Form 10-Q of ALBANK
for the quarter ended June 30, 1998
(Registration No. 000-19843) is
incorporated herein by reference.
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SIGNATURES
Pursuant to the requirements of the Securities
Exchange Act of 1934,the registrant has duly caused this
report to be signed on its behalf by the undersigned hereunto
duly authorized.
CHARTER ONE FINANCIAL, INC.
Date: August 18, 1998 By: /s/ Robert J. Vana
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Robert J. Vana
Chief Corporate Counsel
and Secretary
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EXHIBIT INDEX
Exhibit
Number Description
99 The Quarterly Report on Form 10-Q of ALBANK for the
quarter ended June 30, 1998 (Registration No. 000-19843)
is incorporated herein by reference.
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