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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 FORM 10-K/A
 þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2008
 OR
 o
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 For the transition period from  to
 Commission File Number: 0-25196
 CAMCO FINANCIAL CORPORATION
  Delaware
    
    51-0110823(State or other jurisdiction of 
incorporation or organization)
    
    (I.R.S. Employer
Identification Number)
 6901 Glenn Highway, Cambridge, Ohio 43725
   Common Stock, $1 par value per share
    
    NASDAQ Global Market(Title of Each Class)
    
    (Name of exchange on which registered)
  
  o þ
  o þ
  þ o
 o o
 o
  Large accelerated filer o
Accelerated filer þNon-accelerated filer o(Do not check if a smaller reporting company)Smaller reporting company o
  o þ




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TABLE OF CONTENTS  SIGNATURESPART IVItem 15. Exhibits and Financial Statement Schedules.SIGNATURESINDEX TO EXHIBITSEX-31.(I)EX-31.(II)EX-32.(I)EX-32.(II)    Table of Contents  EXPLANATORY NOTE




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SIGNATURES
  Camco Financial CorporationBy
    /s/ James E. HustonJames E. Huston,Chairman, President, Chief Executive Officer
(Principal Executive Officer)
Date: October 20, 2009  By
    
    /s/ Jeffrey T. Tucker
    
    
    
    By
    
    /s/ Paul D. LeakeJeffrey T. Tucker,
    
    
    
    
    
    Paul D. Leake,Director
    
    
    
    
    
    DirectorDate: March 13, 2009
    
    
    
    Date: March 13, 2009By
    
    /s/ Carson K. Miller
    
    
    
    By
    
    /s/ Terry A. FeickCarson K. Miller
    
    
    
    
    
    Terry A. Feick,Director
    
    
    
    
    
    DirectorDate: March 13, 2009
    
    
    
    Date: March 13, 2009By
    
    /s/ Edward D. Goodyear
    
    
    
    By
    
    /s/ Andrew S. DixEdward D. Goodyear,
    
    
    
    
    
    Andrew S. DixDirector
    
    
    
    
    
    DirectorDate: March 13, 2009
    
    
    
    Date: March 13, 2009By
    
    /s/ J. Timothy Young
    
    
    
    By
    
    /s/ Douglas F. MockJ. Timothy Young
    
    
    
    
    
    Douglas F. MockDirector
    
    
    
    
    
    DirectorDate: March 13, 2009
    
    
    
    Date: March 13, 2009By
    
    /s/ James E. BrooksJames E. BrooksChief Financial Officer
(Principal Financial Officer)Date: October 20, 2009By
    
    /s/ Kristina K. TiptonKristina K. Tipton,Principal Accounting OfficerDate: October 20, 2009




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PART IV
 
 Item 15. Exhibits and Financial Statement Schedules.
  31(i)
    
    Certification of Principal Executive Officer31(ii)
    
    Certification of Principal Financial Officer32(i)
    
    Certification of Principal Executive Officer32(ii)
    
    Certification of Principal Financial Officer




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SIGNATURES
  Camco Financial CorporationBy
    /s/ James E. HustonJames E. Huston,Chairman, President, Chief Executive Officer (Principal Executive Officer)




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INDEX TO EXHIBITS
 ITEM
    
    DESCRIPTION
    
    DOCUMENT REFERENCEExhibit 31(i)
    
    Section 302 Certification by
Principal Executive Officer
    
    Filed herewithExhibit 31(ii)
    
    Section 302 Certification by
Principal Financial Officer
    
    Filed herewithExhibit 32(i)
    
    Section 1350 Certification by
Principal Executive Officer
    
    Filed herewithExhibit 32(ii)
    
    Section 1350 Certification by
Principal Financial Officer
    
    Filed herewith