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): July 24, 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. On July 24, 2003, Camco Financial Corporation ("Camco") issued a press release announcing that Camco has been added to the Russell 2000(R) Index. 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: July 24, 2003 -3- INDEX TO EXHIBITS Exhibit Number Description ------ ----------- 99 Press Release of Camco Financial Corporation dated July 24, 2003. -4-