<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