UNITED STATES
                       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): May 3, 2005



                           CAMCO FINANCIAL CORPORATION
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             (Exact name of registrant as specified in its charter)


<Table>
                                                                                       
                 DELAWARE                                       0-25196                             51-0110823
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(State or other jurisdiction of incorporation)           (Commission File No.)               (IRS Employer I.D. No.)
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                    6901 Glenn Highway, Cambridge, Ohio 43725
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               (Address of principal executive offices) (Zip Code)


Registrant's telephone number, including area code:        (740) 435-2020
                                                   -----------------------------


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))







SECTION 7 - REGULATION FD

Item 7.01 Regulation FD Disclosure.

         On May 3, 2005, Camco Financial Corporation issued a press release
announcing a presentation that Mr. Richard C. Baylor will make at the America's
Community Bankers Community Bank Investor Conference. The press release is
attached as Exhibit 99 hereto.

SECTION 9 - FINANCIAL STATEMENTS AND EXHIBITS

Item 9.01         Financial Statements and Exhibits.

         (a)      Financial statements of business acquired.

                  Not applicable.

         (b)      Pro forma financial information.

                  Not applicable.

         (c)      Exhibits.


<Table>
<Caption>
            Exhibit No.                          Description
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                99            Press Release of Camco Financial dated May 3, 2005
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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 and Chief Executive Officer


Date: May 3, 2005



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