Consent of Independent Accountants




We have issued our report dated March 12, 2001 on the  financial  statements  of
the Camco  Financial & Subsidiaries  Salary Savings Plan as of December 31, 2000
and 1999 and for the year ended December 31, 2000, which are incorporated within
the Annual  Report on Form 10-K for the year ended  December  31,  2000 filed by
Camco Financial  Corporation  (Camco). We hereby consent to the incorporation by
reference  of our  report in  Camco's  Post-Effective  Amendment  No. 1 Form S-8
(33-88072).


                                             /s/Crowe, Chizek and Company LLP
                                             Crowe, Chizek and Company LLP


Columbus, Ohio
March 28, 2001