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 (Date of earliest event reported): April 21, 2003 CAMCO FINANCIAL CORPORATION --------------------------------------------------- (Exact name of registrant as specified in its charter) DELAWARE 0-25196 51-0110823 ---------------------------- ------------------- ---------------------- (State or other jurisdiction (Commission File No.) (IRS Employer I.D. No.) of incorporation) 6901 Glenn Highway, Cambridge, Ohio 43725 ------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (740) 435-2020 Item 7. Financial Statements and Exhibits. (a) and (b) Not applicable. (c) Exhibits. See Index to Exhibits. Item 9. Regulation FD Disclosure. The following information is being furnished under Item 12 of Form 8-K: On April 21, 2003, Camco Financial Corporation issued a press release regarding its earnings for the first quarter of fiscal 2003. The press release is attached hereto as Exhibit 99. -2- 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 thereunto duly authorized. CAMCO FINANCIAL CORPORATION By: /s/ Richard C. Baylor ----------------------------- Richard C. Baylor, President Date: April 22, 2003 -3- INDEX TO EXHIBITS Exhibit Number Description ------ ----------- 99 Press Release of Camco Financial Corporation dated April 21, 2003. -4-