-----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,
 Ty2Yjpme1oYyLc6BZmMu3Qpmr6j9Uh5N1fjfKg7fe0GPWJh7J5VpX54xoevcLZB3
 GddcaDljQvS2kxhjrtjDCg==

<SEC-DOCUMENT>0000950152-02-006435.txt : 20020814
<SEC-HEADER>0000950152-02-006435.hdr.sgml : 20020814
<ACCEPTANCE-DATETIME>20020814172127
ACCESSION NUMBER:		0000950152-02-006435
CONFORMED SUBMISSION TYPE:	10-Q
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20020630
FILED AS OF DATE:		20020814

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-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13507
		FILM NUMBER:		02737112

	BUSINESS ADDRESS:	
		STREET 1:		401 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4197838950
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>l95575ae10vq.txt
<DESCRIPTION>RURBAN FINANCIAL CORPORATION
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>l95575aexv99w1.txt
<DESCRIPTION>CERTIFICATIONS
</DOCUMENT>
</SUBMISSION>