-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 CK8zwN6NsGgDaeddJRXN5LiwLzECGGFm0t9gZtBDXizbiaOsQR6joPKDiuHVpl1o
 On76+EPaADnZJDBWzUF4jQ==

<SEC-DOCUMENT>0000950152-00-002438.txt : 20000331
<SEC-HEADER>0000950152-00-002438.hdr.sgml : 20000331
ACCESSION NUMBER:		0000950152-00-002438
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	19991231
FILED AS OF DATE:		20000330

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RURBAN FINANCIAL CORP
		CENTRAL INDEX KEY:			0000767405
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341395608
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		
		SEC FILE NUMBER:	000-13507
		FILM NUMBER:		584476

	BUSINESS ADDRESS:	
		STREET 1:		401 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4197838950
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>000095015200002438-001-seq1-10-k.txt
<DESCRIPTION>RURBAN FINANCIAL CORPORATION    10-K
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.Y
<SEQUENCE>2
<FILENAME>000095015200002438-002-seq2-ex-10-y.txt
<DESCRIPTION>EXHIBIT 10(Y)
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>3
<FILENAME>000095015200002438-003-seq3-ex-21.txt
<DESCRIPTION>EXHIBIT 21
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>4
<FILENAME>000095015200002438-004-seq4-ex-23.txt
<DESCRIPTION>EXHIBIT 23
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-27
<SEQUENCE>5
<FILENAME>000095015200002438-005-seq5-ex-27.txt
<DESCRIPTION>EXHIBIT 27
</DOCUMENT>
</SUBMISSION>