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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000819692-04-000067.txt : 20040727
<SEC-HEADER>0000819692-04-000067.hdr.sgml : 20040727
<ACCEPTANCE-DATETIME>20040727110817
ACCESSION NUMBER:		0000819692-04-000067
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040726
FILED AS OF DATE:		20040727

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SCHOSTAK JEROME L
		CENTRAL INDEX KEY:			0000905140

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		04932538

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHARTER ONE FINANCIAL INC
		CENTRAL INDEX KEY:			0000819692
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				341567092
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		1215 SUPERIOR AVE
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44114
		BUSINESS PHONE:		2165665300

	MAIL ADDRESS:	
		STREET 1:		1215 SUPERIOR AVENUE
		STREET 2:		1215 SUPERIOR AVENUE
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44114
</SEC-HEADER>
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        <issuerName>CHARTER ONE FINANCIAL INC</issuerName>
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            <rptOwnerName>SCHOSTAK JEROME L</rptOwnerName>
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            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CLEVELAND</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
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            <exerciseDate>
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                    <value>2625</value>
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                    <value>D</value>
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        <derivativeTransaction>
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                <value>2004-07-26</value>
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                <directOrIndirectOwnership>
                    <value>D</value>
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        <derivativeHolding>
            <securityTitle>
                <value>Nonqualified   Stock Option</value>
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                <value>32.76</value>
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                <value>2004-12-19</value>
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            <expirationDate>
                <value>2013-12-19</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
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                    <value>7500</value>
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                    <value>7500</value>
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    <footnotes></footnotes>

    <ownerSignature>
        <signatureName>Robert J. Vana, Power of Attorney</signatureName>
        <signatureDate>2004-07-27</signatureDate>
    </ownerSignature>
</ownershipDocument>

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-----END PRIVACY-ENHANCED MESSAGE-----