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                                 EXHIBIT 31(ii)

                                  CERTIFICATION

I, Mark A. Severson, certify that:

1.    I have reviewed this annual report on Form 10-K of Camco Financial
      Corporation;

2.    Based on my knowledge, this annual report does not contain any untrue
      statement of a material fact or omit to state a material fact necessary to
      make the statements made, in light of the circumstances under which such
      statements were made, not misleading with respect to the period covered by
      this annual report;

3.    Based on my knowledge, the financial statements, and other financial
      information included in this annual report, fairly present in all material
      respects the financial condition, results of operations and cash flows of
      Camco as of, and for, the periods presented in this annual report;

4.    Camco's other certifying officers and I are responsible for establishing
      and maintaining disclosure controls and procedures (as defined in Exchange
      Act Rules 13a-14 and 15d-14) for Camco and have:

            a.    Designed such disclosure controls and procedures, or caused
                  such disclosure controls and procedures to be designed under
                  our supervision, to ensure that material information relating
                  to Camco, including its consolidated subsidiaries, is made
                  known to us by others within those entities, particularly
                  during the period in which this annual report is being
                  prepared;

            b.    Evaluated the effectiveness of Camco's disclosure controls and
                  procedures and presented in this report our conclusion about
                  the effectiveness of the disclosure controls and procedures as
                  of the end of the period covered by this annual report based
                  on such evaluations; and

            c.    Disclosed in this report any change in Camco's internal
                  control over financial reporting that occurred during Camco's
                  fourth fiscal quarter that has materially affected, or is
                  reasonably likely to materially affect, Camco's internal
                  control over financial reporting;

5.    Camco's other certifying officers and I have disclosed, based on our most
      recent evaluation, to Camco's auditors and the audit committee of Camco's
      board of directors (or persons performing the equivalent functions):

            a.    All significant deficiencies and material weaknesses in the
                  design or operation of internal controls over financial
                  reporting which are reasonably likely to adversely affect
                  Camco's ability to record, process, summarize and report
                  financial information; and

            b.    Any fraud, whether or not material, that involves management
                  or other employees who have a significant role in Camco's
                  internal controls over financial reporting; and

6.    The registrant's other certifying officers and I have indicated in this
      annual report whether there were significant changes in internal controls
      or in other factors that could significantly affect internal controls
      subsequent to the date of our most recent evaluation, including any
      corrective actions with regard to significant deficiencies and material
      weaknesses.


Date: March 10, 2004                                  /s/ Mark A. Severson
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                                                      Mark A. Severson
                                                      Chief Financial Officer