X0201 42003-08-2000000016614CAMCO FINANCIAL CORP CAFI0001203874BAYLOR RICHARD CNEW CONCORDOH437621100President, CEOCommon Stock2003-08-204M050008.94A21234DCommon Stock2003-08-204M0525014.41A26484DRight to Buy8.942003-08-204M050000D2000-11-282010-11-28Common Stock50000DRight to Buy14.412003-08-204M052500D1998-10-202008-10-20Common Stock52500DReporting person indirectly owns 501 shares held solely by his wife and 6,610 held by the 401(k) trust./s/ Richard C. Baylor2003-08-20