Exhibit 11

CHARTER ONE FINANCIAL, INC.
COMPUTATION OF PER SHARE EARNINGS

		Three Months Ended				Six Months Ended
		6/30/00		6/30/99		6/30/00		6/30/99
		(Dollars in thousands, except per share data)
Basic earnings per share:
	Weighted average number of common shares outstanding		207,241,293		214,209,456		208,333,201		214,187,266
	Net income	$	103,287	$	108,376	$	214,996	$	211,322
	Basic earnings per share	$	.50	$	.51	$	1.03	$	.99
Diluted earnings per share:
	Weighted average number of common shares outstanding		207,241,293		214,209,456		208,333,201		214,187,266
	Add common stock equivalents for shares issuable under stock option plans		3,848,209		5,315,730		3,253,434		5,406,719
	Weighted average number of common and common equivalent shares outstanding		211,089,502		219,525,186		211,586,635		219,593,985
	Net income	$	103,287	$	108,376	$	214,996	$	211,322
	Diluted earnings per share	$	.49	$	.49	$	1.02	$	.96