EXHIBIT 23.1



                         INDEPENDENT AUDITORS' CONSENT




Charter One Financial, Inc.


     We consent to the incorporation by reference in this Post-Effective
Amendment No. One on Form S-8 to Registration Statement No. 333-33169 of
Charter One Financial, Inc. on Form S-4 of our report dated January 22, 1997
(August 6, 1997 as to Notes 22 and 23) which expresses an unqualified opinion,
refers to the report of other auditors on the consolidated financial
statements of a company that was merged with Charter One Financial, Inc.,
includes an explanatory paragraph relating to an adjustment which was applied
to restate the 1994 consolidated financial statements to conform the adoption
date of a change in account principle as a result of a merger accounted for as
a pooling-of-interests and includes an explanatory paragraph relating to the
restatement of the 1996 consolidated financial statements to reclassify
certain mortgage-backed securities from held to maturity to available for
sale, appearing in the Annual Report on Form 10-K of Charter One Financial,
Inc. for the year ended December 31, 1996 as amended by Form 10-K/A filed on
August 8, 1997.




DELOITTE & TOUCHE LLP



Cleveland, Ohio
September 25, 1997