EXHIBIT 16.1

                                                                GRANT THORNTON
ACCOUNTANTS AND BUSINESS ADVISORS



         March 21, 2005

         U.S. Securities and Exchange Commission
         450 Fifth Street, NW
         Washington, DC  20549

         RE:      Camco Financial Corporation - File No. 0-25196

         Dear Ladies and Gentlemen:

         We have read Item 401 of the Form 8-K/A of Camco Financial Corporation
         to be filed on or about March 22, 2005, and agree with the statements
         contained therein.

         Very truly yours,

         GRANT THORNTON LLP



         SJQuay

         SJQ:ln




Suite 900
525 Eden Park Drive
Cincinnati, OH  45202-4181
T  513.762.5000
F  513.241-6125
W www.grantthornton.com

GRANT THORNTON LLP
US MEMBER OF GRANT THORNTON INTERNATIONAL