Exhibit 23

                              ACCOUNTANTS' CONSENT


We have issued our report dated February 21, 1998, accompanying the consolidated
financial  statements  of  Camco  Financial  Corporation  and  our report  dated
February 16, 1998, accompanying the  consolidated financial  statements of Camco
Financial  Corporation 401(k)  Salary Savings Plan which are incorporated within
the Annual Report on Form 10-K for the  year ended December 31, 1997.  We hereby
consent to  the  incorporation  by  referenc  of  said  reports in Camco's Post-
Effective Amendment No. 1 to the Form S-8 (33-88072).



GRANT THORNTON LLP

Cincinnati, Ohio
April 29, 1998