EXHIBIT 23

We consent to the incorporation by reference and use of our report dated
February 14, 2003, on the consolidated financial statements of Rurban Financial
Corp. and Subsidiaries, which appears in Rurban Financial Corp.'s Form 10-K for
the year ended December 31, 2002, in Rurban Financial Corp.'s Registration
Statement on Form S-8 filed February 27, 1998 pertaining to the Rurban Financial
Corp. Stock Option Plan.

                                            /s/ BKD LLP
                                            --------------------------
                                            BKD LLP

Cincinnati, Ohio
March 28, 2003