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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 G+VbZcHtUlPpRDQETWn6+PWFthfcdhXzHufOPTMbs6RMyjbkg5ekiG4k+Wh6CgLM
 asiHMGHrc98aIWo+/jQXRw==

<SEC-DOCUMENT>0001220200-03-000010.txt : 20030804
<SEC-HEADER>0001220200-03-000010.hdr.sgml : 20030804
<ACCEPTANCE-DATETIME>20030804180321
ACCESSION NUMBER:		0001220200-03-000010
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030731
FILED AS OF DATE:		20030804

REPORTING-OWNER:	

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

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		03821736

	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>c0001220200d20030804f4f.xml
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<value></value></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Robert J. Vana, Power of Attorney</signatureName><signatureDate>2003-08-04</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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