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): July 22, 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 Annual Report on Form
10-K for the fiscal year ended December 31, 1997 and the Quarterly Report on
Form 10-Q for the quarter ended March 31, 1998 of ALBANK Financial Corporation
("ALBANK"). This Current Report on Form 8-K is to be incorporated by reference
into 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
99.1 The Annual Report on Form 10-K of ALBANK for the fiscal year
ended December 31, 1997 (Registration No. 000- 19843)is
incorporated herein by reference.
99.2 The Quarterly Report on Form 10-Q of ALBANK for the quarter
ended March 31, 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: July 22, 1998 By: /s/ Robert J. Vana
Robert J. Vana
Chief Corporate Counsel and
Secretary
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EXHIBIT INDEX
Exhibit
Number Description
99.1 The Annual Report on Form 10-K of ALBANK for the
fiscal year ended December 31, 1997 (Registration
Number 000-19843) is incorporated herein by
reference.
99.2 The Quarterly Report on Form 10-Q of ALBANK for the
quarter ended March 31, 1998 (Registration No. 000-
19843) is incorporated herein by reference.
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