On October 28, 2009, Rurban Financial Corp. (the "Company") issued a news release reporting financial results for the third quarter ended September 30, 2009. A copy of the October 28, 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 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
            October 28, 2009 reporting financial results for the
            third quarter ended September 30, 2009