SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
1. Name and Address of Reporting Person*
GROSSI MARK D
(Last) (First) (Middle)
1215 SUPERIOR AVENUE
(Street)
CLEVELAND OH 44114-
(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
CHARTER ONE FINANCIAL INC [ CF ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
X Director 10% Owner
X Officer (give title below) Other (specify below)
Executive Vice President
3. Date of Earliest Transaction (Month/Day/Year)
08/04/2004
4. If Amendment, Date of Original Filed (Month/Day/Year)
 6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 08/04/2004 M 28,143 A $10.57 296,736 D
Common Stock 08/04/2004 M 6,055 A $16.5 302,791 D
Common Stock 08/04/2004 M 79,712 A $16.5 382,503 D
Common Stock 08/04/2004 M 158,876 A $22.28 541,379 D
Common Stock 08/04/2004 M 4,489 A $22.28 545,868 D
Common Stock 08/04/2004 M 159,762 A $23.09 705,630 D
Common Stock 08/04/2004 M 4,330 A $23.09 709,960 D
Common Stock 08/04/2004 M 6,183 A $16.17 716,143 D
Common Stock 08/04/2004 M 150,095 A $16.17 866,238 D
Common Stock 08/04/2004 M 144,672 A $24.01 1,010,910 D
Common Stock 08/04/2004 M 4,165 A $24.01 1,015,075 D
Common Stock 125,760 I Deferred Compensation Trust
Common Stock 5,039 I By 401(k)
Common Stock 14,088 I By ESOP
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Phantom Stock Units $0 12/31/2008(1) 12/31/2008 Common Stock 82,850.0414 82,850.0414 D
Incentive Stock Option $10.57 08/04/2004 M 28,143 01/17/1997 01/17/2006 Common Stock 28,143 $0 0 D
Incentive Stock Option $16.17 08/04/2004 M 6,183 01/19/2003 01/19/2010 Common Stock 6,183 $0 0 D
Incentive Stock Option $16.5 08/04/2004 M 6,055 01/22/2000 01/22/2007 Common Stock 6,055 $0 0 D
Incentive Stock Option $22.28 08/04/2004 M 4,489 01/21/2001 01/21/2008 Common Stock 4,489 $0 0 D
Incentive Stock Option $23.09 08/04/2004 M 4,330 01/19/2002 01/19/2009 Common Stock 4,330 $0 0 D
Incentive Stock Option $24.01 08/04/2004 M 4,165 01/23/2004 01/23/2011 Common Stock 4,165 $0 0 D
Incentive Stock Option $25.33 01/19/2005 12/19/2011 Common Stock 3,947 3,947 D
Incentive Stock Option $29.09 01/18/2006 12/18/2012 Common Stock 3,437 3,437 D
Incentive Stock Option $32.76 01/19/2007 12/19/2013 Common Stock 6,104 6,104 D
Nonqualified Stock Option $16.17 08/04/2004 M 150,095 01/19/2003 01/19/2010 Common Stock 150,095 $0 0 D
Nonqualified Stock Option $16.5 08/04/2004 M 79,712 01/22/2000 01/22/2007 Common Stock 79,712 $0 0 D
Nonqualified Stock Option $22.28 08/04/2004 M 158,876 01/21/2001 01/21/2008 Common Stock 158,876 $0 0 D
Nonqualified Stock Option $23.09 08/04/2004 M 159,762 01/19/2002 01/19/2009 Common Stock 159,762 $0 0 D
Nonqualified Stock Option $24.01 08/04/2004 M 144,672 01/23/2004 01/23/2011 Common Stock 144,672 $0 0 D
Nonqualified Stock Option $25.33 01/19/2005 12/19/2011 Common Stock 164,053 164,053 D
Nonqualified Stock Option $29.09 01/16/2006 12/18/2012 Common Stock 156,563 156,563 D
Nonqualified Stock Option $32.76 01/19/2007 12/19/2013 Common Stock 156,948 156,948 D
Explanation of Responses:
1. one for one
Robert J. Vana, Power of Attorney 08/06/2004
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.