<SUBMISSION>
<ACCESSION-NUMBER>0000950152-02-002701
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<PERIOD>20020402
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<ITEMS>7
<FILING-DATE>20020402
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>RURBAN FINANCIAL CORP
<CIK>0000767405
<ASSIGNED-SIC>6022
<IRS-NUMBER>341395608
<STATE-OF-INCORPORATION>OH
<FISCAL-YEAR-END>1231
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<ACT>34
<FILE-NUMBER>000-13507
<FILM-NUMBER>02599903
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>401 CLINTON ST
<CITY>DEFIANCE
<STATE>OH
<ZIP>43512
<PHONE>4197838950
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<FILENAME>l93616ae8-k.txt
<DESCRIPTION>RURBAN FINANCIAL CORPORATION          FORM 8-K
<TEXT>
<PAGE>


                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549



                                    FORM 8-K

                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


         Date of Report (Date of earliest event reported): April 2, 2002
                                                           -------------



                             RURBAN FINANCIAL CORP.
                       --------------------------------
             (Exact name of registrant as specified in its charter)



             OHIO                         0-13507                34-1395608
 -----------------------------       ----------------        -------------------
 (State or other jurisdiction        (Commission File           (IRS Employer
       of incorporation)                  Number)            Identification No.)



                    401 Clinton Street, Defiance, Ohio 43512
               --------------------------------------------------
               (Address of principal executive offices) (Zip Code)


        Registrant's telephone number, including area code (419) 783-8950
                                                           --------------


                                 NOT APPLICABLE
                ------------------------------------------------
         (Former name or former address, if changed since last report.)





                         Index to Exhibits is on Page 4.


<PAGE>



ITEM 1.       CHANGES IN CONTROL OF REGISTRANT.

              Not Applicable.

ITEM 2.       ACQUISITION OR DISPOSITION OF ASSETS.

              Not applicable.

ITEM 3.       BANKRUPTCY OR RECEIVERSHIP.

              Not applicable.

ITEM 4.       CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT.

              Not applicable.

ITEM 5.       OTHER EVENTS AND REGULATION FD DISCLOSURE.

              See the Press Release issued by the Company on April 2, 2002
included with this filing as Exhibit 99(a).

ITEM 6.       RESIGNATIONS OF REGISTRANT'S DIRECTORS.

              Not Applicable.

ITEM 7.       FINANCIAL STATEMENTS AND EXHIBITS.

              (a)   None required.

              (b)   None required.

              (c)   Exhibits.

                    EXHIBIT NUMBER                         DESCRIPTION
                    --------------                         -----------
                        99(a)                 Press Release issued April 2, 2002

ITEM 8.       CHANGE IN FISCAL YEAR.

              Not Applicable.

ITEM 9.       REGULATION FD DISCLOSURE.

              Not Applicable.




                                       2
<PAGE>



                                   SIGNATURES

                  Pursuant to the requirements of the Securities Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                      RURBAN FINANCIAL CORP.



Date:  April 2, 2002                  By: /s/ Richard C. Warrener
                                         --------------------------------------
                                         Richard C. Warrener, Executive Vice
                                         President, Chief Financial Officer and
                                         Chief Accounting Officer



                                       3
<PAGE>



                                INDEX TO EXHIBITS

 EXHIBIT NUMBER                   DESCRIPTION                    PAGE NO.
 --------------                   -----------                    --------
     99(a)           Press Release Issued April 2, 2002             *


  ----------
  *Filed herewith



                                       4

</TEXT>
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<DOCUMENT>
<TYPE>EX-99.A
<SEQUENCE>3
<FILENAME>l93616aex99-a.txt
<DESCRIPTION>EX-99(A) PRESS RELEASE
<TEXT>
<PAGE>



                                                                  Exhibit 99(a)

                              FOR IMMEDIATE RELEASE

Contacts:     Sandra L. Stockhorst               Tina M. Farrington
              VP, Investor Relations             SVP, Marketing
              (419) 784-4023                     (419) 784-2549


           RURBAN FINANCIAL CORP. REVISES ITS 2001 FOURTH QUARTER AND
                            YEAR-END EARNINGS RELEASE

DEFIANCE, Ohio, April 2, 2002 - Rurban Financial Corp. (NASDAQ: RBNF) ("Rurban")
announced today it would be revising its 2001 fourth quarter and year-end
earnings release. Rurban's management is currently working with its outside
auditors to reassess the adequacy of its allowance for loan losses and estimates
that the related provision for loan losses will be increased by not more than
$4.5 million ($3.0 million after tax) for a total loan loss provision for the
year 2001 of approximately $8.9 million. Therefore, Rurban's year-end financial
statements are not complete and Rurban will request an extension of the deadline
for filing its 2001 Annual Report on Form 10-K with the Securities and Exchange
Commission. After taking into account the estimated increase in the provision
for loan losses, Rurban estimates that its 2001 earnings will not be less than
$2.0 million. Rurban intends to file its Annual Report on Form 10-K with the
Securities and Exchange Commission no later than April 15, 2002.

About Rurban Financial Corp.

Rurban Financial Corp. is a publicly held bank holding company based in
Defiance, Ohio and is located on the Internet at http://www.rurbanfinancial.net.
Rurban's common stock is quoted on the Nasdaq National Market System under the
symbol RBNF.

The Company currently has 10,000,000 shares of stock authorized and
4,564,513 shares outstanding. The investment banking firms of McDonald & Co.
Securities Inc. (Trident Securities Division), Sweney Cartwright and Co., and
Friedman, Billings, Ramsey Group, Inc. are the primary market makers for these
shares.

Rurban's wholly owned subsidiaries and operating divisions are The State
Bank and Trust Company, Reliance Financial Services, N.A., The Peoples Banking
Company, The First Bank of Ottawa, The Citizens Savings Bank Company, Rurbanc
Data Services, Inc. (RDSI), and Rurban Life Insurance Company. The banks offer a
full range of financial services through their offices in the Northern Ohio
counties of Defiance, Paulding, Fulton, Hancock, Putnam, Sandusky, Wood,
Cuyahoga, and Summit. Reliance Financial Services offers a diversified array of
trust and financial services to customers nationwide. RDSI provides data
processing services to community banks in Ohio, Michigan and Indiana.

Forward-Looking Statements

This press release may contain statements that are forward looking as defined by
the Securities and Exchange Commission in its rules, regulations and releases.
Rurban intends that such forward-looking statements be subject to the "safe
harbor" provisions of the Private Securities Litigation Reform Act of 1995. All
forward-looking statements are based on current expectations regarding important
risk factors including those identified in Rurban's most recent periodic report
and other filings with the Securities and Exchange Commission. Accordingly,
actual results may differ materially from those expressed or implied in the
forward-looking statements, and the making of such statements should not be
regarded as a representation by Rurban or any other person that the results
expressed therein will be achieved.




                                       5

</TEXT>
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