ACCOUNTANTS' CONSENT



     We have  issued  our report  dated  February  25,  1999,  accompanying  the
     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, 1998. We hereby  consent to the  incorporation  by
     reference of said report in Camco's Form S-8 (33-88072).

     /s/Grant Thornton LLP

     Cincinnati, Ohio
     March 29, 1999