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): November 26, 2003 ----------------- CAMCO FINANCIAL CORPORATION ------------------------------ (Exact name of registrant as specified in its charter) DELAWARE 0-25196 51-0110823 ------------------------------- --------------------- ---------------------- (State or other jurisdiction of (Commission File No.) (IRS Employer I.D. No.) 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 5. Other Events and Regulation FD Disclosure. On November 26, 2003, Camco Financial Corporation issued a release announcing a dividend on its common stock. The press release is attached hereto as Exhibit 99. Item 7. Financial Statements and Exhibits. (a) and (b) Not applicable. (c) Exhibits. See Index to Exhibits. -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: November 26, 2003 -3- INDEX TO EXHIBITS Exhibit Number Description ------ ----------- 99 Press Release of Camco Financial Corporation dated November 26, 2003. -4-