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Rurban Financial Corp. To Release Fourth Quarter 2009 Earnings January 27, 2010

DEFIANCE, Ohio, Jan. 12 /PRNewswire-FirstCall/ -- Rurban Financial Corp. (Nasdaq: RBNF), a leading provider of full-service banking, investment management, trust services and bank data and item processing, announced that it plans to release fourth quarter earnings on January 27, 2010 after the market closes. This release and the subsequent conference call will contain end of year and fourth quarter financial information and an update relative to the RDSI contemplated spin-off, Rurban's data processing subsidiary.  The news release will be available on Rurban's website: http://www.rurbanfinancial.net.

Kenneth A. Joyce, Executive Vice Chairman, will host a conference call at 4:00 p.m. (ET) on January 28, 2010 to recap the Company's quarterly earnings and provide an RDSI update.  The conference call may be accessed via the Internet (listen only mode) live during the call at these web addresses: www.rurbanfinancial.net or http://www.videonewswire.com/event.asp?id=64754.  The conference call will also be available for replay through February 18, 2010 at these same web addresses.

About Rurban Financial Corp.

Rurban Financial Corp. is a publicly-held financial services holding company based in Defiance, Ohio.  Rurban's wholly-owned subsidiaries are The State Bank and Trust Company, including Reliance Financial Services and RDSI Banking Systems (RDSI), including DCM.  The State Bank and Trust Company offers financial services through its 19 banking centers in Allen, Defiance, Fulton, Lucas, Paulding, Williams and Wood Counties, Ohio and Allen County, Indiana and a Loan Production Office in Franklin County, Ohio.  Reliance Financial Services, a division of the Bank, offers a diversified array of trust and financial services to customers throughout the Midwest.  RDSI and DCM provide data and item processing services to community banks in Arkansas, Florida, Illinois, Indiana, Kansas, Michigan, Missouri, Nebraska, Nevada, Ohio and Wisconsin.  Rurban's common stock is quoted on the NASDAQ Global Market under the symbol RBNF.  The Company currently has 10,000,000 shares of stock authorized and 4,861,779 shares outstanding.  The Company's website is www.rurbanfinancial.net.

Forward-Looking Statements

Certain statements within this document, which are not statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Forward-looking statements involve risks and uncertainties and actual results may differ materially from those predicted by the forward-looking statements.  These risks and uncertainties include, but are not limited to, risks and uncertainties inherent in the national and regional banking, insurance and mortgage industries, competitive factors specific to markets in which Rurban and its subsidiaries operate, future interest rate levels, legislative and regulatory actions, capital market conditions, general economic conditions, geopolitical events, the loss of key personnel and other factors.

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