-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 RUdg0Du5hf8tkD9YaKKp8+2ZOYYSilfi66lEOmow1kdqgSNHEoGu35FgPv2D1CoK
 8wnfIaAoW4AqBw+NAKLA8g==

<SEC-DOCUMENT>0001220200-03-000004.txt : 20030723
<SEC-HEADER>0001220200-03-000004.hdr.sgml : 20030723
<ACCEPTANCE-DATETIME>20030626104626
ACCESSION NUMBER:		0001220200-03-000004
CONFORMED SUBMISSION TYPE:	4/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030602
FILED AS OF DATE:		20030626

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CHORBAJIAN HERBERT G
		CENTRAL INDEX KEY:			0001220200

	FILING VALUES:
		FORM TYPE:		4/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		03757741

	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/A
<SEQUENCE>1
<FILENAME>c0001220200d20030626f4af.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<value></value></transactionTimeliness><transactionAmounts><transactionShares><value>9844</value></transactionShares><transactionValue><value>30.46</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>384047</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><derivativeSecurity><securityTitle><value>Incentive      Stock Option</value></securityTitle><conversionOrExercisePrice><value>8.91</value></conversionOrExercisePrice><transactionDate><value>2003-06-02</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShar
es><value>11211</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1996-12-18</value></exerciseDate><expirationDate><value>2006-12-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>11211</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><derivativeSecurity><securityTitle><value>Incentive      Stock Option</value></securityTitle><conversionOrExercisePrice><value>16.17</value></conversionOrExercisePrice><transactionDate><value>2003-06-02</va
lue></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>6183</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2003-01-19</value></exerciseDate><expirationDate><value>2010-01-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>6183</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivati
veSecurity><derivativeSecurity><securityTitle><value>Incentive      Stock Option</value></securityTitle><conversionOrExercisePrice><value>23.09</value></conversionOrExercisePrice><transactionDate><value>2003-06-02</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>4330</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2002-01-19</value></exerciseDate><expirationDate><value>2009-01-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>4330</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwne
dFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><footnotes></footnotes><ownerSignature><signatureName>Robert J. Vana, Power of Attorney</signatureName><signatureDate>2003-06-26</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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