EXHIBIT 23.1

         We consent to the incorporation by reference and use of our report
         dated February 11, 2004, on the consolidated financial statements of
         Rurban Financial Corp. and Subsidiaries, in Rurban Financial Corp.'s
         Form 10-K for the year ended December 31, 2003, and in Rurban Financial
         Corp.'s Registration Statement on Form S-8 (SEC Registration No.
         333-46989) filed February 27, 1998 pertaining to the Rurban Financial
         Corp. Stock Option Plan.

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

Cincinnati, Ohio
March 26, 2004

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