<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.

<MULTIPLIER> 1,000

                             
<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
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          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