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 30, 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 7.  Financial Statements and Exhibits.
------   ---------------------------------

         (a) and (b)     Not applicable.

         (c)             Exhibits.

                         See Index to Exhibits.


Item 12. Results of Operations and Financial Condition.
-------  ---------------------------------------------

         On April 30, 2004, Camco Financial Corporation ("Camco") issued a press
release, a copy of which is attached hereto as Exhibit 99.




















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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/ Mark A. Severson
                                       ---------------------------------------
                                       Mark A. Severson, Chief Financial Officer



Date: April 30, 2004
















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


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

          99           Press Release of Camco Financial Corporation dated
                       April 30, 2004.




















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