DEFIANCE, Ohio, Feb. 7 /PRNewswire-FirstCall/ -- Rurban Financial Corp. (Nasdaq: RBNF), a leading provider of full-service community banking, investment management, trust services and bank data processing, today announced its technology subsidiary; RDSI has successfully signed a 78 month contract with Twin Lakes Community Bank. Twin Lakes recently received regulatory approval to open its bank in Flippin, Arkansas.

Judy R. Loving, Chairman and CEO of Twin Lakes will lead a staff of local individuals that have over 70 years of combined banking experience in the Marion and Baxter County region. Twin Lakes chose RDSI as its technology partner in part because of its relationship with ITI as a software provider. "Our staff had previous experience with ITI software and coupled with the expertise of RDSI, we felt this partnership was the best solution to insure our long term success," stated Loving.

RDSI will provide all core ITI processing services along with Internet Banking and Corporate Cash Management services. Twin Lakes will utilize the Image Capture Item Processing solution provided by RDSI for their Item Processing needs.

"We are pleased to be working with the quality staff that Judy has assembled at Twin Lakes and are committed to being a vital, contributing technology partner in supporting their success as a community bank," commented Ken Joyce, Rurban President and CEO. "This is RDSI's first step into the Arkansas market and we are optimistic about the potential growth."

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, The Exchange Bank, Reliance Financial Services, N.A., Rurbanc Data Services, Inc. (RDSI) and RFCBC, Inc. The two community banks, State Bank and Exchange Bank, offer a full range of financial services through 19 offices in Allen, Defiance, Fulton, Lucas, Paulding and Wood Counties Ohio and Allen County Indiana. Reliance Financial Services offers a diversified array of trust and financial services to customers throughout the Midwest. RDSI provides data processing services to community banks in Arkansas, Illinois, Indiana, Ohio, Michigan and Missouri. Rurban's common stock is quoted on the Nasdaq National Market under the symbol RBNF. The Company currently has 10,000,000 shares of stock authorized and 5,027,433 shares outstanding. The Company's website is http://www.rurbanfinancial.net .

SOURCE  Rurban Financial Corp.
    -0-                             02/07/2006
    /CONTACT:  Investors, Valda Colbart of Rurban Financial Corp.,
+1-419-784-2759, or rfcinv@rurban.net/
    /Web site:  http://www.rurbanfinancial.net /
    (RBNF)

CO:  Rurban Financial Corp.; RDSI; Rurbanc Data Services, Inc.; Twin Lakes
     Community Bank
ST:  Ohio, Missouri, Arkansas
IN:  FIN
SU:  CON

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