ACCOUNTANTS' CONSENT



We have issued our report dated  February 24, 2000,  accompanying  the financial
statements  of Camco  Financial  Corporation  401(k)  Salary  Savings Plan as of
December 31, 1999 and for the year then ended, which are incorporated within the
Annual  Report on Form 10-K for the year ended  December 31, 1999 filed by Camco
Financial Corp (Camco).  We hereby consent to the  incorporation by reference of
our report in Camco's Post-Effective Amendment No. 1 to Form S-8 (33-88072).




/s/Crowe, Chizek and Company LLP


Oak Brook, Illinois
March 29, 2000