**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 materialfact or omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the periodcovered by this annual report; 3. Based on my knowledge, the financial statements, and other financial information included inthis annual report, fairly present in all material respects the financial condition, resultsof operations and cash flows of Camco as of, and for, the periods presented in this annualreport; 4. Camco’s other certifying officers and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) andinternal control over financial reporting (as defined in Exchange Act Rules 13a 15(f) and 15d15(f))for Camco and have: a. Designed such disclosure controls and procedures, or caused suchdisclosure controls and procedures to be designed under our supervision, to ensurethat material information relating to Camco, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularlyduring the period in which this annual report is being prepared;  b. Designed such internal control over financial reporting, or caused suchinternal control over financial reporting to be designed under our supervision, toprovide reasonable assurance regarding the reliability of financial reporting andthe preparation of financial statements for external purposes in accordance withgenerally accepted accounting principles;  c. Evaluated the effectiveness of Camco’s disclosure controls and proceduresand presented in this report our conclusion about the effectiveness of thedisclosure controls and procedures as of the end of the period covered by thisannual report based on such evaluations; and  d. Disclosed in this report any change in Camco’s internal control overfinancial reporting that occurred during Camco’s fourth fiscal quarter that hasmaterially affected, or is reasonably likely to materially affect, Camco’s internalcontrol 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 personsperforming the equivalent functions): a. All significant deficiencies and material weaknesses in the design oroperation of internal controls over financial reporting which are reasonably likelyto adversely affect Camco’s ability to record, process, summarize and reportfinancial information; and  b. Any fraud, whether or not material, that involves management or otheremployees who have a significant role in Camco’s internal controls over financialreporting; and6. The registrant’s other certifying officers and I have indicated in this annual report whetherthere were significant changes in internal controls or in other factors that couldsignificantly affect internal controls subsequent to the date of our most recent evaluation,including any corrective actions with regard to significant deficiencies and materialweaknesses.     Date: March 15, 2006 /s/Mark A. Severson Mark A. Severson    Chief Financial Officer