<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 NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 502,198
<INT-BEARING-DEPOSITS> 16,227
<FED-FUNDS-SOLD> 428
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,368,704
<INVESTMENTS-CARRYING> 1,625,111
<INVESTMENTS-MARKET> 1,635,557
<LOANS> 24,126,904
<ALLOWANCE> 189,583
<TOTAL-ASSETS> 32,778,473
<DEPOSITS> 18,722,258
<SHORT-TERM> 4,743,835
<LIABILITIES-OTHER> 705,104
<LONG-TERM> 6,273,159
0
0
<COMMON> 2,127
<OTHER-SE> 2,331,990
<TOTAL-LIABILITIES-AND-EQUITY> 32,778,473
<INTEREST-LOAN> 1,337,985
<INTEREST-INVEST> 291,119
<INTEREST-OTHER> 28,082
<INTEREST-TOTAL> 1,657,186
<INTEREST-DEPOSIT> 554,322
<INTEREST-EXPENSE> 414,659
<INTEREST-INCOME-NET> 688,205
<LOAN-LOSSES> 33,285
<SECURITIES-GAINS> 10,185
<EXPENSE-OTHER> 458,874
<INCOME-PRETAX> 447,350
<INCOME-PRE-EXTRAORDINARY> 447,350
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 324,588
<EPS-BASIC> 1.50
<EPS-DILUTED> 1.48
<YIELD-ACTUAL> 2.85
<LOANS-NON> 157,272
<LOANS-PAST> 14,749
<LOANS-TROUBLED> 669
<LOANS-PROBLEM> 53,691
<ALLOWANCE-OPEN> 186,400
<CHARGE-OFFS> 36,619
<RECOVERIES> 6,517
<ALLOWANCE-CLOSE> 189,583
<ALLOWANCE-DOMESTIC> 189,583
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>