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):  March 23, 2004
                                                   --------------


                           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 March 23, 2004, Camco Financial Corporation issued a press 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.



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                                   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:  March 25, 2004



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                                INDEX TO EXHIBITS
                                -----------------


 Exhibit
 Number                               Description
 ------                               -----------

    99        Press Release of Camco Financial Corporation dated March 23, 2004.








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