SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (date of earliest event reported) January 22, 2002

CHARTER ONE FINANCIAL, INC. (Exact name of Registrant as specified in its Charter)

Delaware	001-15495	34-1567092
(State or other jurisdiction of incorporation)	(Commission File No.)	(IRS Employer Identification Number)

1215 Superior Avenue, Cleveland, Ohio	44114
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code: (216) 566-5300
NEXT PAGE

ITEM 5. OTHER EVENTS.

       The Registrant's earnings press release dated January 22, 2002, a copy of which is attached hereto as Exhibit 99.1, is hereby incorporated herein by reference, except for the information in the press release contained under the caption "Outlook."

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

(c) The following exhibit is filed as part of this Report:

99.1 Press Release dated January 22, 2002.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

CHARTER ONE FINANCIAL, INC.

Date:     January 31, 2002 By:   /s/ Robert J. Vana       Robert J. Vana
       Senior Vice President, Chief
       Corporate Counsel and Corporate Secretary

NEXT PAGE


















EXHIBIT INDEX

Exhibit No.	Description
99.1	Press Release Dated January 22, 2002.