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 23, 2004
                                                   -------------


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

     On July 23, 2004, Camco Financial Corporation 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:  July 23, 2004




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                                INDEX TO EXHIBITS


Exhibit
Number                                 Description
-------                                -----------
  99          Press Release of Camco Financial Corporation dated July 23, 2004.





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