EXHIBIT 32.1
SECTION 1350 CERTIFICATION
In connection with the Annual Report of Rurban Financial Corp. (the
"Company") on Form 10-K for the fiscal year ended December 31, 2003, as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
the undersigned Kenneth A. Joyce, President and Chief Executive Officer of the
Company, and James E. Adams, Executive Vice President, Chief Financial Officer
and Chief Accounting Officer of the Company, each certify, pursuant to Section
1350 of Chapter 63 of Title 18 of the United States Code, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of their
knowledge:
(1) The Report fully complies with the requirements of Section
13(a) of the Securities Exchange Act of 1934; and
(2) The information contained in the Report fairly presents, in
all material respects, the financial condition and results of
operations of the Company.
/s/ Kenneth A. Joyce* /s/ James E. Adams*
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Kenneth A. Joyce, James E. Adams
President and Chief Executive Officer Executive Vice President, Chief
Financial Officer and Chief
Accounting Officer
Dated: March 30, 2004 Dated: March 30, 2004
* This certification is being furnished as required by Rule 13a-14)b) under the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), and Section
1350 of Chapter 63 of Title 18 of the United States Code, and shall not be
deemed "filed" for purposes of Section 18 of the Exchange Act or otherwise
subject to the liability of that Section. This certification shall not be
deemed to be incorporated by reference into any filing under the Securities
Act of 1933 or the Exchange Act, except as otherwise stated in such filing.
121.