Press Release

Rurban Financial Corp. to Release Second Quarter 2006 Earnings July 19, 2006

Company Release -
7/19/2006 7:45 AM ET

DEFIANCE, Ohio, June 28 /PRNewswire-FirstCall/ -- Rurban Financial Corp. (Nasdaq: RBNF) ("Rurban"), a leading provider of full-service banking, investment management, trust services and bank data processing, announced that it plans to release second quarter earnings on July 19, 2006. The news release will be available on Rurban's website: http://www.rurbanfinancial.net.

Kenneth A. Joyce, President and CEO, will host a conference call at 4:00 p.m. (ET) on July 20, 2006 to recap the company's quarterly earnings. The conference call may be accessed via the Internet (listen only mode) live during the call at these web addresses: http://www.rurbanfinancial.net or http://www.videonewswire.com/event.asp?id=34518 . The call will also be available for replay through August 10, 2006 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, 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 .

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.

Forward-looking statements speak only as of the date on which they are made, and Rurban undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made. All subsequent written and oral forward-looking statements attributable to Rurban or any person acting on our behalf are qualified by these cautionary statements.

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