(CAMCO FINANCIAL CORPORATION LOGO)

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6901 Glenn Highway
Cambridge, OH 43725-9757
Phone: 740-435-2020
Fax:   740-432-2021


                                   EXHIBIT 99

                 BAYLOR TO PRESENT AT ACB CONFERENCE IN NEW YORK

CAMBRIDGE, OH - Camco Financial Corporation [NASDAQ symbol - "CAFI"] Richard C.
Baylor, President/CEO of Camco Financial Corporation and Advantage Bank will
make a presentation at the America's Community Bankers Community Bank Investor
Conference in New York on May 19 at 9:00 a.m. eastern time.

The one-day conference has an audience of institutional investors, high net
worth investors and analysts. Camco is one of 20 community banks presenting. The
conference will feature a live web cast on the ACB website. Please log on to
www.americascommunitybankers.com at the time of Camco's presentation and click
on the Conference icon to view the presentation live. The presentation slides
will be made available on the "Press Releases" page of the company's website at
www.camcofinancial.com.

"Camco welcomes this opportunity and would expect to take advantage of other
such opportunities in the future as Camco continues to grow and attract a
broader investor base" noted Baylor.

Camco Financial Corporation, holding company of Advantage Bank, is a multi-state
financial services holding company headquartered in Cambridge, Ohio with assets
in excess of $1.07 billion. Advantage Bank and its affiliates offer community
banking, mortgage banking, internet banking and title services from 30 offices
in 23 communities in Ohio, Kentucky and West Virginia.



          NASDAQ: CAFI o EMAIL: camco@camco.cc o www.camcofinancial.com