0000950152-02-003005 10-K 3 20011231 20020416 RURBAN FINANCIAL CORP 0000767405 6022 341395608 OH 1231 10-K 34 000-13507 02611671 401 CLINTON ST DEFIANCE OH 43512 4197838950 10-K 1 l93266ae10-k.txt RURBAN FINANCIAL CORP. 10-K 12-31-2001 EX-21 3 l93266aex21.txt EXHIBIT 21 EX-23 4 l93266aex23.txt EXHIBIT 23