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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,
 DHBNOHbvAOz/oDdiwYHXMTUCyKWf6Ok648eV3n2bba9RXxJhKjNRlqRFE4q9L9mE
 ysBsMlvx5UaRxPpzbaeSjQ==

<SEC-DOCUMENT>0001220202-03-000004.txt : 20031223
<SEC-HEADER>0001220202-03-000004.hdr.sgml : 20031223
<ACCEPTANCE-DATETIME>20031223131629
ACCESSION NUMBER:		0001220202-03-000004
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031219
FILED AS OF DATE:		20031223

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FUGO DENISE MARIE
		CENTRAL INDEX KEY:			0001220202

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		031070278

	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>c0001220202d20031223f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-12-19</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000819692</issuerCik><issuerName>CHARTER ONE FINANCIAL INC</issuerName>        <issuerTradingSymbol>CF</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001220202</rptOwnerCik><rptOwnerName>FUGO DENISE MARIE</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>1215 SUPERIOR AVENUE</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>CLEVELAND</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>44114-</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle></officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeTa
ble><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>18563</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Phantom Stock Units</value></securityTitle><conversionOrExercisePrice><value>1</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F1"/></exerciseDate><expirationDate><footnoteId id="F2"/></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>24.6334</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>24.6334</value></sharesOwnedFollowingTransaction></postTransactio
nAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Nonqualified   Stock Option</value></securityTitle><conversionOrExercisePrice><value>22.28</value></conversionOrExercisePrice><exerciseDate><value>1999-01-21</value></exerciseDate><expirationDate><value>2008-01-21</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>12763</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>12763</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Nonqua
lified   Stock Option</value></securityTitle><conversionOrExercisePrice><value>23.09</value></conversionOrExercisePrice><exerciseDate><value>2000-01-19</value></exerciseDate><expirationDate><value>2009-01-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>9116</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>9116</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>24.01</value></conversionOrExercisePrice><exerciseDate><value>2002-01-23</value></exerciseDate><expirationDate><value>2011-01-23</value></expirationDate><under
lyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>8269</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8269</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>25.33</value></conversionOrExercisePrice><exerciseDate><value>2002-12-19</value></exerciseDate><expirationDate><value>2011-12-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>7875</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransact
ion><value>7875</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>2003-12-18</value></exerciseDate><expirationDate><value>2012-12-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>7500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNat
ure></derivativeHolding><derivativeTransaction><securityTitle><value>Nonqualified   Stock Option</value></securityTitle><conversionOrExercisePrice><value>32.76</value></conversionOrExercisePrice><transactionDate><value>2003-12-19</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>7500</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2004-12-19</value><footnoteId id="F3"/></exerciseDate><expirationDate><value>2013-12-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>7500</value></underlyingSecurityShares></underlyi
ngSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Immediate (conversion rate is one for one)</footnote><footnote id="F2">Settled in common stock upon termination or retirement from service.</footnote><footnote id="F3">The option becomes exercisable at 1/3 of the total number of shares on the first, second and third anniversary dates of the grant.</footnote></footnotes><ownerSignature><signatureName>Robert J. Vana, Power of Attorney</signatureName><signatureDate>2003-12-23</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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