UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K/A

þ		ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

		For the fiscal year ended December 31, 2008

o		TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number: 0-25196

CAMCO FINANCIAL CORPORATION

 

(Exact name of registrant as specified in its charter)

Delaware		51-0110823
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification Number)

6901 Glenn Highway, Cambridge, Ohio 43725
(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (740) 435-2020

Securities registered pursuant to Section 12(b) of the Act:

Common Stock, $1 par value per share		NASDAQ Global Market
(Title of Each Class)		(Name of exchange on which registered)

Securities registered pursuant to Section 12(g) of the Act:

(Title of Class)

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes o No þ

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes o No þ

Indicate by check mark whether the issuer (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes þ No o

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 229.405 of this chapter) during the preceeding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes o No o

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer or a smaller reporting company. See definitions of “large accelerated filer”, “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer o

Accelerated filer þ

Non-accelerated filer o (Do not check if a smaller reporting company)

Smaller reporting company o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).

Yes o No þ

The aggregate market value of the voting stock held by non-affiliates of the registrant, computed by reference to the last sale reported as of June 30, 2008, was $72.6 million. There were 7,155,595 shares of the registrant’s common stock outstanding on March 13, 2009.

DOCUMENTS INCORPORATED BY REFERENCE:

     Part I and Part II of Form 10-K: Portions of the 2008 Annual Report to Stockholders

     Part III of Form 10-K: Portions of the Proxy Statement for the 2009 Annual Meeting of Stockholders

 

 

EXPLANATORY NOTE

     We are filing this Amendment to our Form 10-K for the fiscal year ended December 31, 2008 to amend the signature page to the 10-K to include the signature of our principal accounting officer, Kristina K. Tipton, and to identify our principal executive officer and principal financial officer. Except as described above, the remainder of the Form 10-K is unchanged and does not reflect events occurring after the original filing of the Form 10-K on March 18, 2009.

SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

     Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been duly signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

By		/s/ Jeffrey T. Tucker				By		/s/ Paul D. Leake
		Jeffrey T. Tucker,						Paul D. Leake,
		Director						Director
Date: March 13, 2009						Date: March 13, 2009
By		/s/ Carson K. Miller				By		/s/ Terry A. Feick
		Carson K. Miller						Terry A. Feick,
		Director						Director
Date: March 13, 2009						Date: March 13, 2009
By		/s/ Edward D. Goodyear				By		/s/ Andrew S. Dix
		Edward D. Goodyear,						Andrew S. Dix
		Director						Director
Date: March 13, 2009						Date: March 13, 2009
By		/s/ J. Timothy Young				By		/s/ Douglas F. Mock
		J. Timothy Young						Douglas F. Mock
		Director						Director
Date: March 13, 2009						Date: March 13, 2009
By		/s/ James E. Brooks
		James E. Brooks
		Chief Financial Officer (Principal Financial Officer)
Date: October 20, 2009
By		/s/ Kristina K. Tipton
		Kristina K. Tipton,
		Principal Accounting Officer
Date: October 20, 2009

PART IV

Item 15. Exhibits and Financial Statement Schedules.

     Exhibits.

31(i)		Certification of Principal Executive Officer
31(ii)		Certification of Principal Financial Officer
32(i)		Certification of Principal Executive Officer
32(ii)		Certification of Principal Financial Officer

SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this amendment to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: October 20, 2009

INDEX TO EXHIBITS

ITEM		DESCRIPTION		DOCUMENT REFERENCE
Exhibit 31(i)		Section 302 Certification by Principal Executive Officer		Filed herewith
Exhibit 31(ii)		Section 302 Certification by Principal Financial Officer		Filed herewith
Exhibit 32(i)		Section 1350 Certification by Principal Executive Officer		Filed herewith
Exhibit 32(ii)		Section 1350 Certification by Principal Financial Officer		Filed herewith