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                                                                    EXHIBIT 23.6

Charter One Financial, Inc.
1215 Superior Avenue
Cleveland, Ohio 44114

Gentlemen:

     We hereby consent to the use of our name and to the description of our
opinion letter, dated the date of the Proxy Statement/Prospectus referred to
below, under the caption "THE MERGER--Opinions of Financial Advisor" in, and to
the inclusion of such opinion letter as Appendix II to, the Proxy
Statement/Prospectus of Charter One Financial, Inc. and Haverfield Corporation,
which Proxy Statement Prospectus is part of this Registration Statement on Form
S-4 of Charter One Financial, Inc. By giving such consent we do not thereby
admit that we are experts with respect to any part of such Registration
Statement within the meaning of the term "expert" as used in, or that we come
within the category of persons whose consent is required under, the Securities
Act of 1933, as amended, or the rules and regulations of the Securities and
Exchange Commission promulgated thereunder.

                                               /s/ Charles Webb & Company

Dublin, Ohio
August 8, 1997