On July 15, 2009, Rurban Financial Corp. (the "Company") issued a news release reporting financial results for the second quarter ended June 30, 2009. A copy of the July 15, 2009 news release is furnished as Exhibit 99.1 and is incorporated herein by reference.

The information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 (the "Securities Act") or the Exchange Act, except as otherwise stated in such filing.

On July 15, 2009, the Company issued a news release announcing that its Board of Directors has declared a quarterly shareholder dividend of $0.09 per share. The dividend is payable on August 21, 2009 to all shareholders of record on August 7, 2009. A copy of the July 15, 2009 news release is furnished as Exhibit 99.2 and is incorporated herein by reference.

The information in this Item 7.01, including Exhibit 99.2 furnished herewith, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act or the Exchange Act, except as otherwise stated in such filing.

(a) Not Applicable

(b) Not Applicable

(c) Not Applicable

(d) Exhibits

Exhibit No.                     Description
   99.1     News release issued by Rurban Financial Corp. on
            July 15, 2009 reporting financial results for the
            second quarter ended June 30, 2009
   99.2     News release issued by Rurban Financial Corp. on
            July 15, 2009 regarding declaration of quarterly
            shareholder dividend