EXHIBIT 20

                          LONDON FINANCIAL CORPORATION
                               2 EAST HIGH STREET
                               LONDON, OHIO 43140
                                 (740) 852-0787

                    NOTICE OF SPECIAL MEETING OF SHAREHOLDERS
                        TO BE HELD ON _________ ___, 2004

      Notice is hereby given that the special meeting of shareholders of London
Financial Corporation will be held on ________________, 2004 at __:___ _.m.,
Eastern Time, at _____________________________, London, 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 approve and adopt an agreement and plan of merger, dated as of
            March 26, 2004, by and among London Financial Corporation, The
            Citizens Bank of London, Camco Financial Corporation and Advantage
            Bank, as amended, and the transactions contemplated by that amended
            agreement, including the merger of London Financial into Camco and
            the merger of Advantage Bank into Citizens Bank, and the exchange of
            each outstanding share of London Financial, no par value per share,
            into the right to receive $26.50, 1.56342 shares of Camco common
            stock or a combination of cash and Camco common stock; and

      2.    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 approve and adopt the
            merger agreement and to approve the transactions contemplated by the
            merger agreement.

      The board of directors of London Financial has established _____________,
2004, 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 London 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 LONDON FINANCIAL BOARD OF DIRECTORS RECOMMENDS THAT YOU VOTE FOR THE MATTERS
PROPOSED.

                                             By Order of the Board of Directors,

                                             John J. Bodle, President

_______________, 2004

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