Doc Number382044.4
                                 EXHIBIT 23(ii)
                       Consent of Independent Accountants


We have issued our report dated February 13, 2002 on the financial statements of
the Camco  Financial & Subsidiaries  Salary Savings Plan as of December 31, 2001
and 2000 and for the year ended December 31, 2001, which are incorporated within
the Annual  Report on Form 10-K for the year ended  December  31,  2001 filed by
Camco Financial  Corporation  (Camco). We hereby consent to the incorporation by
reference of our report in Camco's  Post-Effective  Amendment  No. 1 to Form S-8
(33-88072).


                                    /s/ Crowe, Chizek and Company LLP

Columbus, Ohio
March 22, 2002