<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Consolidated
Financial Statements of Charter One Financial, Inc. and notes thereto for the
three months ended March 31, 1999 and is qualified in its entirety by reference
to such financial Statements.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         370,959
<INT-BEARING-DEPOSITS>                          18,529
<FED-FUNDS-SOLD>                               117,695
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,766,547
<INVESTMENTS-CARRYING>                       2,579,028
<INVESTMENTS-MARKET>                         2,627,002
<LOANS>                                     22,019,629
<ALLOWANCE>                                    181,584
<TOTAL-ASSETS>                              30,512,110
<DEPOSITS>                                  18,900,018
<SHORT-TERM>                                 1,185,520
<LIABILITIES-OTHER>                            563,926
<LONG-TERM>                                  7,413,734
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,075
<OTHER-SE>                                   2,446,837
<TOTAL-LIABILITIES-AND-EQUITY>              30,512,110
<INTEREST-LOAN>                                421,789
<INTEREST-INVEST>                               94,133
<INTEREST-OTHER>                                 9,471
<INTEREST-TOTAL>                               525,393
<INTEREST-DEPOSIT>                             181,726
<INTEREST-EXPENSE>                             289,844
<INTEREST-INCOME-NET>                          235,549
<LOAN-LOSSES>                                    6,770
<SECURITIES-GAINS>                               4,834
<EXPENSE-OTHER>                                143,162
<INCOME-PRETAX>                                152,845
<INCOME-PRE-EXTRAORDINARY>                     102,946
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   102,946
<EPS-BASIC>                                        .48
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    3.27
<LOANS-NON>                                     95,169
<LOANS-PAST>                                    15,385
<LOANS-TROUBLED>                                 2,814
<LOANS-PROBLEM>                                 49,581
<ALLOWANCE-OPEN>                               184,989
<CHARGE-OFFS>                                   12,088
<RECOVERIES>                                     1,912
<ALLOWANCE-CLOSE>                              181,584
<ALLOWANCE-DOMESTIC>                           181,584
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0