WESTWOOD HOMESTEAD FINANCIAL CORP
15-12G, 2000-01-21
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

      Certification and Notice of Termination of Registration under Section
          12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to
          File Reports Under Sections 13 and 15(d) of the Securities
                              Exchange Act of 1934.

                         Commission File Number 0-21385
                                                -------

                    WESTWOOD HOMESTEAD FINANCIAL CORPORATION
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             (Exact name of registrant as specified in its charter)

           3002 Harrison Avenue, Cincinnati, Ohio 45211 (513) 661-5735
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   (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)

                     Common Stock, $.01 par value per share
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            (Title of each class of securities covered by this Form)


                                      None
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  (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)


Please place an X in the box(es) to designate the appropriate rule provision(s)
relied upon to terminate or suspend the duty to file reports:

           Rule 12g-4(a)(1)(i)      [X]      Rule 12h-3(b)(1)(i)     [ ]
           Rule 12g-4(a)(1)(ii)     [ ]      Rule 12h-3(b)(1)(ii)    [ ]
           Rule 12g-4(a)(2)(i)      [ ]      Rule 12h-3(b)(2)(i)     [ ]
           Rule 12g-4(a)(2)(ii)     [ ]      Rule 12h-3(b)(2)(ii)    [ ]
                                             Rule 15d-6              [ ]


 Approximate number of holders of record as of the certification or notice date:
                                      None
                        -------------------------------

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Westwood Homestead Financial Corporation, has caused this certification/notice
to be signed on its behalf by the undersigned duly authorized person.



DATE: January 20, 2000     BY: /s/ Gary Crane
      --------------------     -------------------------------------------------

                               Gary Crane, Treasurer and Chief Financial Officer
                               of Camco Financial Corporation, successor to
                               Westwood Homestead Financial Corporation

Instruction: This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
General Rules and Regulations under the Securities Exchange Act of 1934. The
registrant shall file with the Commission three copies of Form 15, one of which
shall be manually signed. It may be signed by an officer of the registrant, by
counsel or by any other duly authorized person. The name and title of the person
signing the form shall be typed or printed under the signature.



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