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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 KOWjixeF/bl7HhS2rbKkFke5BSmyFxFgpVPoCtqzlyX7io6oMWAb5rgY2TWxo9xs
 058+tirIH9mldgvVrjBiLg==

<SEC-DOCUMENT>0001209191-03-027938.txt : 20031103
<SEC-HEADER>0001209191-03-027938.hdr.sgml : 20031103
<ACCEPTANCE-DATETIME>20031103093051
ACCESSION NUMBER:		0001209191-03-027938
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031029
FILED AS OF DATE:		20031103

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			RUGG D EDWARD
		CENTRAL INDEX KEY:			0001204491

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25196
		FILM NUMBER:		03971456

	MAIL ADDRESS:	
		STREET 1:		6901 GLENN HIGHWAY
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAMCO FINANCIAL CORP
		CENTRAL INDEX KEY:			0000016614
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				510110823
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6901 GLENN HIGHWAY
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725
		BUSINESS PHONE:		7404325641
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-10-29</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000016614</issuerCik><issuerName>CAMCO FINANCIAL CORP</issuerName>        <issuerTradingSymbol>cafi</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001204491</rptOwnerCik><rptOwnerName>RUGG D EDWARD</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>5041 SKYLINE DRIVE</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>CAMBRIDGE</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43725</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Sec.-Camco &amp; VP/COO-Adv.Bk</officerTitle></reportingOwnerRelationship></reportingOwne
r><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-10-29</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>I</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>3600</value></transactionShares><transactionPricePerShare><value>17.61</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>11190</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By 401(k)</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><non
DerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-10-30</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>I</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1400</value></transactionShares><transactionPricePerShare><value>17.59</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>9790</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By 401(k)</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><security
Title><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>93000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>6078</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Deferred Compensation Plan</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><signatureName>D. Edward Rugg</signatureName><signatureDate>2003-10-31</signatureDate></ownerSignature></ownershipDocument>

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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