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<CENTER>As filed with the Securities and Exchange Commission on May 2, 2002</CENTER>

<table width=100% align=center>
<tr><td align=right>Registration No. 333-______</td></tr>
</table>

<hr noshade size=7>

<CENTER><FONT SIZE="+1"><STRONG>SECURITIES AND EXCHANGE COMMISSION</STRONG></FONT><br>
Washington, D.C.  20549</STRONG></CENTER>

<CENTER><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                             </U></CENTER>

<br><CENTER><STRONG>FORM S-8</STRONG><br>
REGISTRATION STATEMENT<br>
UNDER<br>
THE SECURITIES ACT OF 1933</STRONG></CENTER>

<CENTER><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></CENTER>
</P>

<P><FONT SIZE="+1"><STRONG><CENTER>CHARTER ONE FINANCIAL, INC.</STRONG><br>
<font size=-1>(Exact name of registrant as specified in its charter)</CENTER>
</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD ALIGN="CENTER"><STRONG></STRONG></FONT><STRONG>Delaware</STRONG></FONT></TD>
<TD ALIGN="CENTER"><STRONG>34-1567092</STRONG></FONT></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER"></FONT><FONT SIZE="-1">(State or other jurisdiction of<br>incorporation or organization)</FONT>

<P><FONT SIZE="-1"> </FONT></FONT></TD>
<TD ALIGN="CENTER"></FONT><FONT SIZE="-1">(I.R.S. Employer Identification No.)</FONT></FONT></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER"></FONT></FONT></FONT></FONT><STRONG>1215 Superior Avenue, Cleveland, Ohio</STRONG></FONT></TD>
<TD ALIGN="CENTER"><STRONG>44114</STRONG></FONT></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER"></FONT><FONT SIZE="-1">(Address of principal executive offices)</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">(Zip Code)</FONT></TD></TR></TABLE>
</P>
<P><FONT SIZE="+1"><STRONG><CENTER>Charter One Financial, Inc.<br>
1997 Stock Option and Incentive Plan</STRONG><br>
<font size=-1>(Full title of the plan)</CENTER>
</FONT></P>

<P><CENTER>Michael S. Sadow, P.C.<br>
Silver, Freedman &amp; Taff, L.L.P.<br>
(a limited liability partnership including professional corporations)<br>
1700 Wisconsin Avenue, N.W.<br>
Washington, D.C.  20007<br>
(Name and address of agent for service)</CENTER>
</FONT></P>

<P><CENTER>(202) 295-4500<br>
<FONT SIZE="-1">(Telephone number, including area code, of agent for service)</CENTER>
</FONT></P>

<P><FONT SIZE="-1"><CENTER><STRONG>CALCULATION OF REGISTRATION FEE</STRONG></CENTER>
</FONT></P>

<table width=100% align=center>

<tr><td colspan=5><hr noshade size=5></td></tr>

<TR VALIGN="bottom"><TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Title of Securities to be<br> registered</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Amount to be<br>
registered</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Proposed<br>
maximum offering<br>
price per share</STRONG></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Proposed<br>
maximum<br>
aggregate<br>
offering price</STRONG></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Amount of<br>
registration fee</TD></TR>

<tr><td colspan=5><hr noshade></td></tr>

<TR VALIGN="bottom"><TD ALIGN="CENTER"><FONT SIZE="-1">Common Stock, par value<br>$.01 per share</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">10,628,700 shares<SUP>(1)(2)</SUP></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$34.95<SUP>(3)</SUP></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$371,473,065<SUP>(3)</SUP></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$34,176<SUP>(3)</SUP></FONT></TD></TR>

<tr><td colspan=5><hr noshade size=5></td></tr>

</TABLE>

<table width=100% align=center>

<tr valign=top><td width=3%><FONT SIZE="-1"><SUP>(1)</SUP></td><td width=97%><font size=-1>Pursuant to Rule 416 under the Securities Act of 1933, this Registration Statement includes an indeterminate number of additional
shares as may be issuable as a result of a stock split, stock dividend or similar adjustment of the outstanding shares of the common
stock of Charter One Financial, Inc.</td></tr>

<tr valign=top><td width=3%><FONT SIZE="-1"><SUP>(2)</SUP></td><td width=97%><font size=-1>	Includes one attached right per share to purchase stock upon the occurrence of certain events under the terms of Charter One
Financial Inc's Amended and Restated Stockholder Protection Rights Agreement dated October 20, 1999.</td></tr>

<tr valign=top><td width=3%><FONT SIZE="-1"><SUP>(3)</SUP></td><td width=97%><font size=-1>Calculated in accordance with Rule 457(h) under the Securities Act of 1933, on the basis of $34.59 per share, which was the
average of the high and low sale prices per share of the common stock as reported on The New York Stock Exchange on April
29, 2002.</td></tr>

</table>

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<a name="I-2"></a>

<P><CENTER><STRONG>PART I</STRONG></CENTER>
</FONT></P>

<P><CENTER><STRONG>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</STRONG></CENTER>
</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of this Registration Statement on Form S-8 is to register additional shares of the
common stock, par value $.01 per share, of Charter One Financial, Inc. (the "Company"), authorized
for issuance under the Company's 1997 Stock Option and Incentive Plan (the "Plan").  The contents
of the Company's previously filed Registration Statement on Form S-8 (File No. 333-42823) relating
to the Plan (the "Initial Registration Statement") are incorporated herein by reference, except for
Items 3 and 8 of Part II of the Initial Registration Statement.</FONT></P>

<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>

<center>I-2</center><a href="#II-1">NEXT PAGE</a><br><br><br><br><br><br>

<a name="II-1"></a>

<P><CENTER><STRONG>PART II</STRONG></CENTER>
</FONT></P>

<P><CENTER><STRONG>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</STRONG></CENTER>
</FONT></P>

<P>Item 3.&nbsp;&nbsp;&nbsp;<U>Incorporation of Certain Documents by Reference</U>.</FONT></P>


<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents previously filed with the Securities and Exchange Commission (the
"Commission") are hereby incorporated by reference in this Registration Statement and the
Prospectus to which this Registration Statement relates (the "Prospectus"):</FONT></P>

<TABLE WIDTH="100%">

<TR VALIGN="TOP"><TD width=5%>1.</FONT></TD>
<TD width=95%>The Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2001.</FONT></TD></TR>
<TR VALIGN="TOP"><TD>2.</FONT></TD>
<TD>The description of the Company's common stock contained in the Company's Registration
Statement on Form 8-A with respect to the common stock filed November 30, 1999
(including the description incorporated by reference therein), and the description of the
stock purchase rights of the Company contained in the Company's Registration Statement
on Form 8-A with respect to the rights filed November 30, 1999 (including the description
incorporated by reference therein).</FONT></TD></TR></TABLE>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents filed by the Company with the Commission pursuant to Sections 13(a), 13(c),
14, or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), after the
filing of this Registration Statement, and prior to the filing of a post-effective amendment which
indicates that all securities offered hereby have been sold or which deregisters all securities then
remaining unsold, shall be deemed incorporated by reference into this Registration Statement and
the Prospectus and to be a part hereof and thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference
herein or in the Prospectus shall be deemed to be modified or superseded for purposes of this
Registration Statement and the Prospectus to the extent that a statement contained herein or therein
or in any other subsequently filed document which also is, or is deemed to be, incorporated by
reference herein or therein modifies or supersedes such statement.  Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this
Registration Statement and the Prospectus.</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This incorporation by reference shall not be deemed to specifically incorporate by reference
the information relating to the audit committee report (as permitted under Item 306 of Regulation
S-K) or the board compensation committee report on executive compensation and performance graph
(as permitted under Item 402(a)(8) of Regulation S-K) contained in any Company annual meeting
proxy statement incorporated herein by reference.  Nor shall this incorporation by reference be
deemed to specifically incorporate by reference any information provided under Item 9 of any
Current Report on Form 8-K of the Company incorporated herein by reference.</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall furnish without charge to each person to whom the Prospectus is
delivered, on the written or oral request of such person, a copy of any or all of the documents
incorporated by reference, other than exhibits to such documents (unless such exhibits are
specifically incorporated by reference to the information that is incorporated).  Requests should be</p>

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<a name="II-2"></a>

<p>directed to: Robert J. Vana, Senior Vice President, Chief Corporate Counsel and Corporate
Secretary, Charter One Financial, Inc., 1215 Superior Avenue, Cleveland, Ohio 44114, telephone
number (216) 566-5300.</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All information appearing in this Registration Statement and the Prospectus is qualified in
its entirety by the detailed information, including financial statements, appearing in the documents
incorporated herein or therein by reference.</FONT></P>

<P>Item 8.&nbsp;&nbsp;&nbsp;<U>Exhibits</U>.</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See the Exhibit Index which is incorporated herein by reference.</FONT></P>

<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>

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<a name="sig"></a>


<P><CENTER><STRONG>SIGNATURES</STRONG></CENTER>
</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Registrant has duly caused
this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized,
in the City of Cleveland, State of Ohio on May 2, 2002.</FONT></P>

<table width=100% align=center>

<TR VALIGN="TOP"><TD COLSPAN="2"></TD>
<TD width=50%><STRONG>CHARTER ONE FINANCIAL, INC.<br><br><br><br></STRONG></FONT></TD></TR>

<TR VALIGN="top"><TD width=45%></TD>
<TD width=5%>By:</FONT></TD>
<TD>/s/ Charles John Koch<hr noshade></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="2"></TD>
<TD>Charles John Koch<br>Chairman of the Board, President and Chief<br>
Executive Officer<br>
<EM>(Duly Authorized Representative)</EM></FONT></TD></TR></TABLE>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Charles John Koch and Richard W. Neu or either of them, his true
and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution, for him
and in his name, place and stead, in any and all capacities, to sign any and all amendments (including
post-effective amendments) to this Registration Statement, and to file the same, with all exhibits
thereto, and all other documents in connection therewith, with the Securities and Exchange
Commission, granting unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done, as fully to all intents and
purposes as he might or could do in person, hereby ratifying and confirming all said attorneys-in-fact
and agents or their substitutes or substitute may lawfully do or cause to be done by virtue hereof.</FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has
been signed below by the following persons in the capacities and on the dates indicated.</FONT></P>

<TABLE WIDTH="100%">

<TR VALIGN="TOP"><TD width=48%>/s/Charles John Koch<hr noshade>Charles John Koch<br>Chairman of the Board, President and<br>&nbsp;&nbsp;Chief Executive Officer<br><EM>(Principal Executive Officer)</EM></TD><td width=4%></td>
<TD width=48%>/s/Richard W. Neu<hr noshade>Richard W. Neu<br>Director, Executive Vice President and<br>Chief Financial Officer<br><EM>(Principal Financial and Accounting<br>Officer)</EM><br><br></TD></TR>

<TR VALIGN="TOP"><TD width=48%>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td width=4%></td>
<TD width=48%>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/Patrick J. Agnew<hr noshade>Patrick J. Agnew<br>Director</TD><td></td>
<TD>/s/Herbert G. Chorbajian<hr noshade>Herbert G. Chorbajian <br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="3" align=center>(Signatures continued on the following page.)</TD></TR>

</table><br><br>

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<table width=100% align=center>

<TR VALIGN="TOP"><TD width=48%>/s/Phillip Wm. Fisher<hr noshade>Phillip Wm. Fisher<br>Director</TD>
<td width=4%></td><TD width=48%>/s/Denise M. Fugo<hr noshade>Denise M. Fugo<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD width=48%>/s/Mark D. Grossi<hr noshade>Mark D. Grossi<br>Director and Executive Vice President</TD><td width=4%></td>
<TD width=48%>/s/Karen R. Hitchcock<hr noshade>Karen R. Hitchcock<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/John D. Koch<hr noshade>John D. Koch<br>Director and Executive Vice President</TD><td></td>
<TD>/s/Michael P. Morley<hr noshade>Michael P. Morley<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/Ronald F. Poe<hr noshade>Ronald F. Poe<br>Director</TD><td></td>
<TD>/s/Victor A. Ptak<hr noshade>Victor A. Ptak<br>Director<br><br></TD></TR>



<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/Melvin J. Rachal<hr noshade>Melvin J. Rachal<br>Director</TD><td></td>
<TD COLSPAN="2">/s/Jerome L. Schostak<hr noshade>Jerome L. Schostak<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/Joseph C. Scully<hr noshade>Joseph C. Scully<br>Director</TD><td></td>
<TD COLSPAN="2">/s/Mark Shaevsky<hr noshade>Mark Shaevsky<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="3" align=center>(Signatures continued on the following page.)</TD></TR></table>
<br><br>

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<table width=100% align=center>

<TR VALIGN="TOP"><TD width=48%>/s/Leonard S. Simon<hr noshade>Leonard S. Simon<br>Director</TD><td width=4%>
<TD width=48%>/s/John P. Tierney<hr noshade>John P. Tierney<br>Director<br><br></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%><br><br></TD></TR>

<TR VALIGN="TOP"><TD>/s/Eresteen R. Williams<hr noshade>Eresteen R. Williams<br>Director<br><br></TD><td></td>
<TD></TD></TR>

<TR VALIGN="TOP"><TD>Date:&nbsp;&nbsp;&nbsp;&nbsp;May 2, 2002<hr noshade align=right width=87%></TD><td></td>
<TD><br><br></TD></TR>

</table>

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<a name="ei"></a>

<CENTER><STRONG>EXHIBIT INDEX<br>INDEX TO EXHIBITS</CENTER>
</STRONG></FONT></P>

<table width=100% align=center>

<TR VALIGN="bottom"><TD ALIGN="CENTER"><STRONG>Exhibit<br>Number</STRONG><hr noshade></TD>
<TD ALIGN="CENTER"><STRONG>Description</STRONG><hr noshade></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">3.1</FONT></TD>
<TD>Registrant's Second Restated Certificate of Incorporation, as amended and
currently in effect, filed as Exhibit 3.1 to Registrant's Report on Form 10-K for the
fiscal year ended December 31, 2000 (File No. 001-15495), is incorporated herein
by reference.<br><br></FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">3.2</FONT></TD>
<TD>Registrant's Bylaws, as amended and restated and currently in effect, filed as
Exhibit 3.2 to Registrant's Report on Form 10-K for the fiscal year ended
December 31, 1999 (File No. 001-15495), is incorporated herein by reference.</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">4.1</FONT></TD>
<TD>Form of Certificate of Common Stock, filed as Exhibit 4.1 to Registrant's Report
on Form 10-K for the fiscal year ended December 31, 2000 (File No. 001-15495),
is incorporated herein by reference.</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">4.2</FONT></TD>
<TD>Amended and Restated Stockholder Protection Rights Agreement, dated October
20, 1999, between Registrant and Fleet National Bank (f/k/a BankBoston, N.A.),
as rights agent, filed as Exhibit 2 to the Company's Registration Statement on
Form 8-A/A filed on October 30, 1999 (File No. 001-15495), is incorporated
herein by reference.</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">5</FONT></TD>
<TD>Opinion and Consent of Silver, Freedman &amp; Taff, L.L.P.</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">23.1</FONT></TD>
<TD>Consent of Silver, Freedman &amp; Taff, L.L.P. (Included in Exhibit 5)</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">23.2</FONT></TD>
<TD>Consent of Deloitte &amp; Touche LLP (as auditors for the Registrant)</FONT><br><br></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="CENTER">   24</FONT></TD>
<TD>Power of Attorney (Contained on Signature  Page)</FONT></TD></TR>

</TABLE>
<br><br><br><br><br><br><br><br>

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{"company-data": {"conformed-name": "CHARTER ONE FINANCIAL INC", "cik": "0000819692", "assigned-sic": "6035", "irs-number": "341567092", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-87448", "film-number": "02631909"}, "business-address": {"street1": "1215 SUPERIOR AVE", "city": "CLEVELAND", "state": "OH", "zip": "44114", "phone": "2165665300"}, "mail-address": {"street1": "1215 SUPERIOR AVENUE", "street2": "1215 SUPERIOR AVENUE", "city": "CLEVELAND", "state": "OH", "zip": "44114"}}
As filed with the Securities and Exchange Commission on May 2, 2002
Registration No. 333-______
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
CHARTER ONE FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Delaware
34-1567092
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer Identification No.)
1215 Superior Avenue, Cleveland, Ohio
44114
(Address of principal executive offices)
(Zip Code)
Charter One Financial, Inc.
1997 Stock Option and Incentive Plan
(Full title of the plan)
Michael S. Sadow, P.C.
Silver, Freedman & Taff, L.L.P.
(a limited liability partnership including professional corporations)
1700 Wisconsin Avenue, N.W.
Washington, D.C.  20007
(Name and address of agent for service)
(202) 295-4500
(Telephone number, including area code, of agent for service)
CALCULATION OF REGISTRATION FEE
Title of Securities to be
registered
Amount to be
registered
Proposed
maximum offering
price per share
Proposed
maximum
aggregate
offering price
Amount of
registration fee
Common Stock, par value
$.01 per share
10,628,700 shares
(1)(2)
$34.95
(3)
$371,473,065
(3)
$34,176
(3)
(1)
Pursuant to Rule 416 under the Securities Act of 1933, this Registration Statement includes an indeterminate number of additional
shares as may be issuable as a result of a stock split, stock dividend or similar adjustment of the outstanding shares of the common
stock of Charter One Financial, Inc.
(2)
Includes one attached right per share to purchase stock upon the occurrence of certain events under the terms of Charter One
Financial Inc's Amended and Restated Stockholder Protection Rights Agreement dated October 20, 1999.
(3)
Calculated in accordance with Rule 457(h) under the Securities Act of 1933, on the basis of $34.59 per share, which was the
average of the high and low sale prices per share of the common stock as reported on The New York Stock Exchange on April
29, 2002.
NEXT PAGE
PART I
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
The purpose of this Registration Statement on Form S-8 is to register additional shares of the
common stock, par value $.01 per share, of Charter One Financial, Inc. (the "Company"), authorized
for issuance under the Company's 1997 Stock Option and Incentive Plan (the "Plan").  The contents
of the Company's previously filed Registration Statement on Form S-8 (File No. 333-42823) relating
to the Plan (the "Initial Registration Statement") are incorporated herein by reference, except for
Items 3 and 8 of Part II of the Initial Registration Statement.
I-2
NEXT PAGE
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of Certain Documents by Reference
.
The following documents previously filed with the Securities and Exchange Commission (the
"Commission") are hereby incorporated by reference in this Registration Statement and the
Prospectus to which this Registration Statement relates (the "Prospectus"):
1.
The Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2001.
2.
The description of the Company's common stock contained in the Company's Registration
Statement on Form 8-A with respect to the common stock filed November 30, 1999
(including the description incorporated by reference therein), and the description of the
stock purchase rights of the Company contained in the Company's Registration Statement
on Form 8-A with respect to the rights filed November 30, 1999 (including the description
incorporated by reference therein).
All documents filed by the Company with the Commission pursuant to Sections 13(a), 13(c),
14, or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), after the
filing of this Registration Statement, and prior to the filing of a post-effective amendment which
indicates that all securities offered hereby have been sold or which deregisters all securities then
remaining unsold, shall be deemed incorporated by reference into this Registration Statement and
the Prospectus and to be a part hereof and thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference
herein or in the Prospectus shall be deemed to be modified or superseded for purposes of this
Registration Statement and the Prospectus to the extent that a statement contained herein or therein
or in any other subsequently filed document which also is, or is deemed to be, incorporated by
reference herein or therein modifies or supersedes such statement.  Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this
Registration Statement and the Prospectus.
This incorporation by reference shall not be deemed to specifically incorporate by reference
the information relating to the audit committee report (as permitted under Item 306 of Regulation
S-K) or the board compensation committee report on executive compensation and performance graph
(as permitted under Item 402(a)(8) of Regulation S-K) contained in any Company annual meeting
proxy statement incorporated herein by reference.  Nor shall this incorporation by reference be
deemed to specifically incorporate by reference any information provided under Item 9 of any
Current Report on Form 8-K of the Company incorporated herein by reference.
The Company shall furnish without charge to each person to whom the Prospectus is
delivered, on the written or oral request of such person, a copy of any or all of the documents
incorporated by reference, other than exhibits to such documents (unless such exhibits are
specifically incorporated by reference to the information that is incorporated).  Requests should be
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directed to: Robert J. Vana, Senior Vice President, Chief Corporate Counsel and Corporate
Secretary, Charter One Financial, Inc., 1215 Superior Avenue, Cleveland, Ohio 44114, telephone
number (216) 566-5300.
All information appearing in this Registration Statement and the Prospectus is qualified in
its entirety by the detailed information, including financial statements, appearing in the documents
incorporated herein or therein by reference.
Item 8.
Exhibits
.
See the Exhibit Index which is incorporated herein by reference.
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SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the Registrant has duly caused
this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized,
in the City of Cleveland, State of Ohio on May 2, 2002.
CHARTER ONE FINANCIAL, INC.
By:
/s/ Charles John Koch
Charles John Koch
Chairman of the Board, President and Chief
Executive Officer
(Duly Authorized Representative)
KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Charles John Koch and Richard W. Neu or either of them, his true
and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution, for him
and in his name, place and stead, in any and all capacities, to sign any and all amendments (including
post-effective amendments) to this Registration Statement, and to file the same, with all exhibits
thereto, and all other documents in connection therewith, with the Securities and Exchange
Commission, granting unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done, as fully to all intents and
purposes as he might or could do in person, hereby ratifying and confirming all said attorneys-in-fact
and agents or their substitutes or substitute may lawfully do or cause to be done by virtue hereof.
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has
been signed below by the following persons in the capacities and on the dates indicated.
/s/Charles John Koch
Charles John Koch
Chairman of the Board, President and
Chief Executive Officer
(Principal Executive Officer)
/s/Richard W. Neu
Richard W. Neu
Director, Executive Vice President and
Chief Financial Officer
(Principal Financial and Accounting
Officer)
Date:    May 2, 2002
Date:    May 2, 2002
/s/Patrick J. Agnew
Patrick J. Agnew
Director
/s/Herbert G. Chorbajian
Herbert G. Chorbajian
Director
Date:    May 2, 2002
Date:    May 2, 2002
(Signatures continued on the following page.)
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/s/Phillip Wm. Fisher
Phillip Wm. Fisher
Director
/s/Denise M. Fugo
Denise M. Fugo
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/Mark D. Grossi
Mark D. Grossi
Director and Executive Vice President
/s/Karen R. Hitchcock
Karen R. Hitchcock
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/John D. Koch
John D. Koch
Director and Executive Vice President
/s/Michael P. Morley
Michael P. Morley
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/Ronald F. Poe
Ronald F. Poe
Director
/s/Victor A. Ptak
Victor A. Ptak
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/Melvin J. Rachal
Melvin J. Rachal
Director
/s/Jerome L. Schostak
Jerome L. Schostak
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/Joseph C. Scully
Joseph C. Scully
Director
/s/Mark Shaevsky
Mark Shaevsky
Director
Date:    May 2, 2002
Date:    May 2, 2002
(Signatures continued on the following page.)
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/s/Leonard S. Simon
Leonard S. Simon
Director
/s/John P. Tierney
John P. Tierney
Director
Date:    May 2, 2002
Date:    May 2, 2002
/s/Eresteen R. Williams
Eresteen R. Williams
Director
Date:    May 2, 2002
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EXHIBIT INDEX
INDEX TO EXHIBITS
Exhibit
Number
Description
3.1
Registrant's Second Restated Certificate of Incorporation, as amended and
currently in effect, filed as Exhibit 3.1 to Registrant's Report on Form 10-K for the
fiscal year ended December 31, 2000 (File No. 001-15495), is incorporated herein
by reference.
3.2
Registrant's Bylaws, as amended and restated and currently in effect, filed as
Exhibit 3.2 to Registrant's Report on Form 10-K for the fiscal year ended
December 31, 1999 (File No. 001-15495), is incorporated herein by reference.
4.1
Form of Certificate of Common Stock, filed as Exhibit 4.1 to Registrant's Report
on Form 10-K for the fiscal year ended December 31, 2000 (File No. 001-15495),
is incorporated herein by reference.
4.2
Amended and Restated Stockholder Protection Rights Agreement, dated October
20, 1999, between Registrant and Fleet National Bank (f/k/a BankBoston, N.A.),
as rights agent, filed as Exhibit 2 to the Company's Registration Statement on
Form 8-A/A filed on October 30, 1999 (File No. 001-15495), is incorporated
herein by reference.
5
Opinion and Consent of Silver, Freedman & Taff, L.L.P.
23.1
Consent of Silver, Freedman & Taff, L.L.P. (Included in Exhibit 5)
23.2
Consent of Deloitte & Touche LLP (as auditors for the Registrant)
24
Power of Attorney (Contained on Signature  Page)