SEC FORM 4

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^*

KOCH JOHN D

(Last)

(First)

(Middle)

1215 SUPERIOR AVENUE

(Street)

CLEVELAND

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)
	Senior Vice President

3. Date of Earliest Transaction (Month/Day/Year)
11/07/2003

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	11/07/2003		M		40,000	A	$10.57	280,002	D
Common Stock	11/07/2003		S		40,000	D	$32.58	240,002	D
Common Stock	11/10/2003		M		20,000	A	$10.57	260,002	D
Common Stock	11/10/2003		S		20,000	D	$32.615	240,002	D
Common Stock								57,010	I	By 401(k)
Common Stock								67,494	I	By ESOP
Common Stock								2,400	I	By IRA Trustee
Common Stock								65,421	I	Trustee for sons
Common Stock								7,949	I	By wife

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Incentive Stock Option	$10.57							01/17/1997	01/17/2006	Common Stock	28,143		28,143	D
Incentive Stock Option	$16.17							01/19/2003	01/19/2010	Common Stock	6,183		6,183	D
Incentive Stock Option	$16.5							01/22/2000	01/22/2007	Common Stock	6,055		6,055	D
Incentive Stock Option	$22.28							01/21/2001	01/21/2008	Common Stock	4,489		4,489	D
Incentive Stock Option	$23.09							01/19/2000	01/19/2009	Common Stock	4,330		4,330	D
Incentive Stock Option	$24.01							01/23/2004	01/23/2011	Common Stock	4,165		4,165	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
Nonqualified Stock Option	$10.57	11/07/2003		M			40,000	01/17/1997	01/17/2006	Common Stock	40,000	$0	213,280	D
Nonqualified Stock Option	$10.57	11/10/2003		M			20,000	01/17/1997	01/17/2006	Common Stock	20,000	$0	193,280	D
Nonqualified Stock Option	$16.17							01/19/2003	01/19/2010	Common Stock	150,095		150,095	D
Nonqualified Stock Option	$16.5							01/17/2000	01/17/2007	Common Stock	79,712		79,712	D
Nonqualified Stock Option	$22.28							01/21/2001	01/21/2008	Common Stock	158,876		158,876	D
Nonqualified Stock Option	$23.09							01/19/2002	01/19/2009	Common Stock	159,762		159,762	D
Nonqualified Stock Option	$24.01							01/23/2004	01/23/2011	Common Stock	144,672		144,672	D
Nonqualified Stock Option	$25.33							01/19/2005	12/19/2011	Common Stock	164,053		164,053	D
Nonqualified Stock Option	$29.09							01/18/2006	12/18/2012	Common Stock	156,563		156,563	D

Explanation of Responses:

	Robert J. Vana, Power of Attorney	11/12/2003
	** 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.