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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 ULioXQYoQZsfrJWgj5xAHM6V9JFjl/iaeihji/v65wIa6Cf78iemD7aS4dvrS5Rf
 dzzjWtzh3/7RIi8OFmpIGQ==

<SEC-DOCUMENT>0001209191-03-029423.txt : 20031110
<SEC-HEADER>0001209191-03-029423.hdr.sgml : 20031110
<ACCEPTANCE-DATETIME>20031110113400
ACCESSION NUMBER:		0001209191-03-029423
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031107
FILED AS OF DATE:		20031110

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LEAKE PAUL D
		CENTRAL INDEX KEY:			0001203881

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25196
		FILM NUMBER:		03987199

	MAIL ADDRESS:	
		STREET 1:		C/O CAMCO / ADVANTAGE
		STREET 2:		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>2003-11-07</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000016614</issuerCik><issuerName>CAMCO FINANCIAL CORP</issuerName>        <issuerTradingSymbol>cafi</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001203881</rptOwnerCik><rptOwnerName>LEAKE PAUL D</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>902 EDGEWOOD AVENUE</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>ASHLAND</rptOwnerCity><rptOwnerState>KY</rptOwnerState><rptOwnerZipCode>41102</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitl
e><value>Common Stock</value></securityTitle><transactionDate><value>2003-11-07</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>6000.0000</value></transactionShares><transactionPricePerShare><value>7.4000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>60556.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-11-0
7</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>6000.0000</value></transactionShares><transactionPricePerShare><value>17.7000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>54556.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-09-30</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transa
ctionCoding><transactionFormType>5</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value>E</value></transactionTimeliness><transactionAmounts><transactionShares><value>81.0000</value></transactionShares><transactionPricePerShare><value>17.1900</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>626.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Deferred Compensation Plan</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>3352.0000</value></sharesOwnedFollowingTransact
ion></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By 401(k) Plan</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>16729.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>Stock Option (Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>7.4000</value></conversionOrExercisePrice><transactionDate><value>2003-11-07</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transac
tionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>6000.0000</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1996-10-25</value><footnoteId id="F1" /></exerciseDate><expirationDate><value>2005-10-25</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>6000.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>38931.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTa
ble><footnotes><footnote id="F1">Options vested in five equal installments, beginning on this date.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ Richard C. Baylor, POA for Paul D. Leake</signatureName><signatureDate>2003-11-10</signatureDate></ownerSignature></ownershipDocument>

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