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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,
 P+ggh44jQgMtKf9xPUANUDlpOzEQK3Es6XxL+jBsdZix1GqgqHYjo/g/RAvkTcWw
 +V/jeZGkze3F4zHIMpZEJg==

<SEC-DOCUMENT>0001220225-03-000007.txt : 20031222
<SEC-HEADER>0001220225-03-000007.hdr.sgml : 20031222
<ACCEPTANCE-DATETIME>20031222160014
ACCESSION NUMBER:		0001220225-03-000007
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031219
FILED AS OF DATE:		20031222

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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GROSSI MARK D
		CENTRAL INDEX KEY:			0001041743

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15495
		FILM NUMBER:		031067769

	BUSINESS ADDRESS:	
		STREET 1:		1215 SUPERIOR AVE
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44114
		BUSINESS PHONE:		2165668794

	MAIL ADDRESS:	
		STREET 1:		1215 SUPERIOR AVE
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44114
</SEC-HEADER>
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<TYPE>4
<SEQUENCE>1
<FILENAME>c0001041743d20031222f4f.xml
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/value></securityTitle><conversionOrExercisePrice><value>24.01</value></conversionOrExercisePrice><exerciseDate><value>2004-01-23</value></exerciseDate><expirationDate><value>2011-01-23</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>144672</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>144672</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>2005-01-19</value></exerciseDate><expirationDate><value>2011-12-19</value></expirationDate><underlyingSecurity><und
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</SEC-DOCUMENT>
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