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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 IvZbqyCAcUqz9QmS1x/4sP33VIIqdomlj+mg+TlrP4Hf7Hyik1WNnKTvQ15a5/1d
 tPR+Ng52t79cH4xEExVHkQ==

<SEC-DOCUMENT>0001220185-03-000006.txt : 20031224
<SEC-HEADER>0001220185-03-000006.hdr.sgml : 20031224
<ACCEPTANCE-DATETIME>20031224103921
ACCESSION NUMBER:		0001220185-03-000006
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031223
FILED AS OF DATE:		20031224

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KOCH JOHN D
		CENTRAL INDEX KEY:			0001220185

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		031072991

	BUSINESS ADDRESS:	
		STREET 1:		C/O CHARTER ONE FINANCIAL INC
		STREET 2:		1215 SUPERIOR AVENUE
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44114
		BUSINESS PHONE:		2165665300

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>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001220185d20031224f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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><value>164053</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Nonqualified   Stock Option</value></securityTitle><conversionOrExercisePrice><value>29.09</value></conversionOrExercisePrice><exerciseDate><value>2006-01-18</value></exerciseDate><expirationDate><value>2012-12-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>156563</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>156563</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownership
Nature></derivativeHolding><derivativeHolding><securityTitle><value>Nonqualified   Stock Option</value></securityTitle><conversionOrExercisePrice><value>32.76</value></conversionOrExercisePrice><exerciseDate><value>2007-01-19</value></exerciseDate><expirationDate><value>2013-12-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>156948</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>156948</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Robert J. Vana, Power of Attorney</signatureName><signatureDate>2003-12-24</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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