Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
Tipton Kristina K.
   2. Issuer Name and Ticker or Trading Symbol
CAMCO FINANCIAL CORP [CAFI] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
SVP / PFAO
(Last)
(First)
(Middle)
62960 JAMES RD.		 3. Date of Earliest Transaction (Month/Day/Year)
02/06/2014
(Street)

CAMBRIDGE, OH 43725		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 02/06/2014   A   1,751 (1) A $ 0 20,250 D  
Common Stock 02/06/2014   F   134 (2) D $ 6.37 20,116 D  
Common Stock               4,366 I By 401 (k) Plan

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Common Stock Warrants (Right to Buy) $ 2.1             11/07/2012 11/06/2017 Common Stock 2,500   2,500 D  
Common Stock Warrants (Right to Buy) $ 2.1             11/07/2012 11/06/2017 Common Stock 2,500   5,000 D  
Stock Option $ 2.15             02/18/2011(3) 02/18/2021 Common Shares 2,141   2,141 D  
Stock Option $ 8.92             01/22/2008(3) 01/22/2018 Sommon Shares 677   677 D  
Stock Option $ 12.35             01/23/2007(3) 01/23/2017 Common Shares 296   296 D  
Stock Option $ 14.1             02/01/2006(3) 02/01/2016 Common Shares 2,925   2,925 D  
Stock Option $ 16.51             01/27/2005(3) 01/27/2015 Common Shares 1,000   1,000 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
Tipton Kristina K.
62960 JAMES RD.
CAMBRIDGE, OH 43725		       SVP / PFAO  

Signatures

 /s/Kristina K. Tipton   02/21/2014
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Award represents a grant of restricted stock pursuant to the Camco Financial Corporation 2013 Equity Plan. From this award, 20% of the stock vests immediately, and of the remaining restricted stock, 20% will vest upon certification of the 2014 financial results, subject to the terms of an award agreement, and 60% will vest upon certification of the 2015 financial results, subject to the terms of an award agreement.
(2) Shares forfeited for tax purposes, for shares vested and valued at closing price on February 6, 2014 with a value of $853.58.
(3) 20% exercisable on date of grant. Additional 20% exercisable each anniversary date thereafter.

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