<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, 2000, 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-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 516,847
<INT-BEARING-DEPOSITS> 14,789
<FED-FUNDS-SOLD> 470
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,134,654
<INVESTMENTS-CARRYING> 1,738,674
<INVESTMENTS-MARKET> 1,739,596
<LOANS> 23,673,068
<ALLOWANCE> 186,194
<TOTAL-ASSETS> 32,222,262
<DEPOSITS> 18,568,957
<SHORT-TERM> 5,958,335
<LIABILITIES-OTHER> 836,561
<LONG-TERM> 4,514,092
0
0
<COMMON> 2,127
<OTHER-SE> 2,342,190
<TOTAL-LIABILITIES-AND-EQUITY> 32,222,262
<INTEREST-LOAN> 875,219
<INTEREST-INVEST> 186,896
<INTEREST-OTHER> 17,553
<INTEREST-TOTAL> 1,079,668
<INTEREST-DEPOSIT> 361,923
<INTEREST-EXPENSE> 252,709
<INTEREST-INCOME-NET> 465,036
<LOAN-LOSSES> 20,107
<SECURITIES-GAINS> 5,036
<EXPENSE-OTHER> 310,257
<INCOME-PRETAX> 316,187
<INCOME-PRE-EXTRAORDINARY> 214,996
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 214,996
<EPS-BASIC> 1.03
<EPS-DILUTED> 1.02
<YIELD-ACTUAL> 3.02
<LOANS-NON> 138,175
<LOANS-PAST> 15,944
<LOANS-TROUBLED> 671
<LOANS-PROBLEM> 72,121
<ALLOWANCE-OPEN> 186,400
<CHARGE-OFFS> 24,989
<RECOVERIES> 4,676
<ALLOWANCE-CLOSE> 186,194
<ALLOWANCE-DOMESTIC> 186,194
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>