X0201 42004-01-0200000016614CAMCO FINANCIAL CORP cafi0001204491RUGG D EDWARD5041 SKYLINE DRIVECAMBRIDGEOH437250100Sec.-Camco & E.VP/COO-Adv.BkCommon Stock2004-01-024M02000.00009.7900A95000.0000DCommon Stock9906.0000IBy 401(k) PlanCommon Stock6128.0000IBy Deferred Compensation PlanRight to Buy9.79002004-01-024M02000.00000D1995-09-242005-09-23Common Stock2000.00004684.0000DD. Edward Rugg2004-01-02