EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      In connection with the Quarterly Report of Camco Financial Corporation
(the "Corporation") on Form 10-Q for the period ending September 30, 2004 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Mark A. Severson, Chief Financial Officer of the Corporation,
certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

      (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Corporation.

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

November 5, 2004

A signed original of this written statement required by Section 906 has been
provided to the Corporation and will be retained by the Corporation and
furnished to the Securities and Exchange Commission or its staff upon request.