<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 3RD
QUARTER 1996 10-Q, AS RESTATED FOR TCF FINANCIAL CORPORATION'S ACQUISITION OF
WINTHROP RESOURCES CORPORATION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         206,506
<INT-BEARING-DEPOSITS>                         334,661
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    998,001
<INVESTMENTS-CARRYING>                           3,856
<INVESTMENTS-MARKET>                             3,856
<LOANS>                                      5,332,800
<ALLOWANCE>                                     72,809
<TOTAL-ASSETS>                               7,433,682
<DEPOSITS>                                   5,018,672
<SHORT-TERM>                                 1,123,169
<LIABILITIES-OTHER>                            143,839
<LONG-TERM>                                    548,429
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           426
<OTHER-SE>                                     599,147
<TOTAL-LIABILITIES-AND-EQUITY>               7,433,682
<INTEREST-LOAN>                                387,922
<INTEREST-INVEST>                               61,049
<INTEREST-OTHER>                                13,461
<INTEREST-TOTAL>                               462,432
<INTEREST-DEPOSIT>                             129,760
<INTEREST-EXPENSE>                             196,028
<INTEREST-INCOME-NET>                          266,404
<LOAN-LOSSES>                                   17,398
<SECURITIES-GAINS>                                  84
<EXPENSE-OTHER>                                272,055
<INCOME-PRETAX>                                110,589
<INCOME-PRE-EXTRAORDINARY>                      68,481
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    68,481
<EPS-PRIMARY>                                     1.63
<EPS-DILUTED>                                     1.62
<YIELD-ACTUAL>                                    5.23
<LOANS-NON>                                     32,994
<LOANS-PAST>                                        48
<LOANS-TROUBLED>                                 3,042
<LOANS-PROBLEM>                                 32,415
<ALLOWANCE-OPEN>                                66,290
<CHARGE-OFFS>                                   17,231
<RECOVERIES>                                     6,352
<ALLOWANCE-CLOSE>                               72,809
<ALLOWANCE-DOMESTIC>                            48,710
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         24,099