SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 or 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report: January 27, 2003
CAMCO FINANCIAL CORPORATION
(Exact Name of Registrant as specified in its charter)
Delaware 0-25196 51-0110823
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(State or other (Commission File No.) (IRS Employer
jurisdiction of Identification
incorporation or Number)
organization)
6901 Glenn Highway
Cambridge, Ohio 43725-9757
(740) 435-2020
(Address, including zip code, and telephone number
including area code of Registrant's
principal executive offices)
Not Applicable
(Former name or former address, if changed since last report)
Item 5. Other Events.
On January 24, 2003, Camco Financial Corporation, ("Camco") issued a
news release announcing its earnings for the year and the fourth quarter ended
December 31, 2002. The information contained in the news release, which is
attached as Exhibit 99 to this Form 8-K, is incorporated herein by this
reference.
The information contained or incorporated by reference in this Current
Report on Form 8-K may contain forward-looking statements, including certain
plans, expectations, goals, and projections, which are subject to numerous
assumptions, risks, and uncertainties. Actual results could differ materially
from those contained or implied by such statements for a variety of factors,
including: changes in economic conditions; movements in interest rates;
competitive pressures on product pricing and services; success and timing of
business strategies; the nature and extent of legislative and regulatory actions
and reforms; and extended disruption of vital infrastructure.
Item 7. Financial Statements and Exhibits.
(c) Exhibits.
Exhibit No. Description
99 Press release of Camco Financial Corporation,
dated January 24, 2003, announcing the company's
earnings for the three and twelve months ended
December 31, 2002.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
CAMCO FINANCIAL CORPORATION
Date: January 27, 2003 By: /s/Richard C. Baylor
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Richard C. Baylor, President
EXHIBIT INDEX
Exhibit No. Description
99 Press release of Camco Financial Corporation, dated
January 24, 2003, announcing the company's earnings for
the three and twelve months ended December 31, 2002.