<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Consolidated
Financial Statements of Charter One Financial, Inc. and notes thereto for the
nine months ended September 30, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         371,717
<INT-BEARING-DEPOSITS>                          18,767
<FED-FUNDS-SOLD>                               192,032
<TRADING-ASSETS>                                18,748
<INVESTMENTS-HELD-FOR-SALE>                  4,660,228
<INVESTMENTS-CARRYING>                       2,049,909
<INVESTMENTS-MARKET>                         2,065,397
<LOANS>                                     22,566,815
<ALLOWANCE>                                    181,441
<TOTAL-ASSETS>                              31,732,151
<DEPOSITS>                                  18,636,189
<SHORT-TERM>                                 3,170,313
<LIABILITIES-OTHER>                            606,972
<LONG-TERM>                                  6,850,132
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,135
<OTHER-SE>                                   2,466,410
<TOTAL-LIABILITIES-AND-EQUITY>              31,732,151
<INTEREST-LOAN>                              1,257,160
<INTEREST-INVEST>                              302,550
<INTEREST-OTHER>                                27,346
<INTEREST-TOTAL>                             1,587,056
<INTEREST-DEPOSIT>                             538,087
<INTEREST-EXPENSE>                             885,225
<INTEREST-INCOME-NET>                          701,831
<LOAN-LOSSES>                                   21,979
<SECURITIES-GAINS>                               5,619
<EXPENSE-OTHER>                                432,336
<INCOME-PRETAX>                                466,055
<INCOME-PRE-EXTRAORDINARY>                     315,824
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   315,824
<EPS-BASIC>                                       1.48
<EPS-DILUTED>                                     1.44
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                    123,147
<LOANS-PAST>                                    12,824
<LOANS-TROUBLED>                                   927
<LOANS-PROBLEM>                                 42,800
<ALLOWANCE-OPEN>                               184,989
<CHARGE-OFFS>                                   31,795
<RECOVERIES>                                     6,268
<ALLOWANCE-CLOSE>                              181,441
<ALLOWANCE-DOMESTIC>                           181,441
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0