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                                                                      Exhibit 20

                      COLUMBIA FINANCIAL OF KENTUCKY, INC.
                               2497 DIXIE HIGHWAY
                          FT. MITCHELL, KENTUCKY 41017
                                 (859) 331-2419



                    NOTICE OF SPECIAL MEETING OF SHAREHOLDERS
                       TO BE HELD ON ______________, 2001


         Notice is hereby given that the special meeting of shareholders of
Columbia Financial of Kentucky, Inc., will be held on ___________,
________________, 2001, at ________ a.m., Eastern ____________ Time, at the
_________________, located at ___________, Ft. Mitchell, Ohio. A joint
prospectus/proxy statement and proxy card for the special meeting are enclosed.
The special meeting will be held for the purpose of considering and voting upon
the following matters:

         1. To adopt an amendment to the Articles of Incorporation of Columbia
         Financial of Kentucky, Inc., to delete Article Seventh;

         2. To approve and adopt an agreement and plan of reorganization, dated
         as of June 4, 2001, by and among Columbia Financial of Kentucky, Inc.,
         Columbia Federal Savings Bank, Camco Financial Corporation, Camco
         Acquisition Corp. and Advantage Bank, and the transactions contemplated
         by that agreement, including the merger of Camco Acquisition Corp. into
         Columbia Financial, the merger of Columbia Financial into Camco
         Financial and the merger of Columbia Federal into Advantage Bank, and
         the exchange of each outstanding share of Columbia Financial, no par
         value per share, into the right to receive $6.90 and .3681 share of
         Camco common stock; and

         3. Such other business incident to the conduct of the special meeting
         as may properly come before the special meeting and any adjournment or
         postponement of the special meeting, including adjournment of the
         special meeting to allow for additional solicitation of shareholder
         votes in order to obtain the required vote to adopt the amendment to
         the articles of incorporation, to approve and adopt the merger
         agreement, and to approve the transactions contemplated by the merger
         agreement.

         The board of directors of Columbia Financial has established
____________, 2001, as the record date for the determination of shareholders
entitled to receive notice of and to vote at the special meeting and at any
adjournment or postponement of the special meeting. Only record holders of
Columbia Financial common shares as of the close of business on that date will
be entitled to vote at the special meeting or any adjournment or postponement of
the special meeting. IT IS IMPORTANT THAT YOUR SHARES BE REPRESENTED AT THE
SPECIAL MEETING. WHETHER OR NOT YOU PLAN TO ATTEND THE SPECIAL MEETING, PLEASE
COMPLETE, SIGN AND PROMPTLY RETURN THE ENCLOSED PROXY CARD IN THE ENCLOSED
POSTAGE-PAID ENVELOPE AS SOON AS POSSIBLE.

THE COLUMBIA FINANCIAL BOARD OF DIRECTORS RECOMMENDS THAT YOU VOTE FOR THE
MATTERS PROPOSED.

By Order of the Board of Directors,


Robert V. Lynch
President

Ft. Mitchell, Kentucky
________________, 2001