EXHIBIT 99.2

For further information:

MEDIA CONTACT:  James E. Adams, 419-783-8910, rfcmkt@rurban.net
INVESTOR CONTACT:  Valda Colbart, 419-784-2759, rfcinv@rurban.net

               RURBAN DECLARES SECOND QUARTER SHAREHOLDER DIVIDEND

Defiance, Ohio - April 20, 2005 - Rurban Financial Corp. (Nasdaq: RBNF), a
leading provider of full-service community banking, investment management, trust
services and bank data processing, declared its second quarter 2005 dividend of
$0.05 per share payable on May 20, 2005 to all shareholders of record on May 6,
2005.

Kenneth A. Joyce, President and Chief Executive Officer of Rurban, commented,
"We are pleased to announce that the Board of Directors approved a common stock
dividend for the second quarter at their meeting today, based upon the level of
first quarter earnings. The earnings support this dividend payment and we look
forward to growing dividends as our earnings improve over the course of 2005 and
beyond."

ABOUT RURBAN FINANCIAL CORP.

Rurban Financial Corp. is a publicly-held financial services holding company
based in Defiance, Ohio. 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 4,568,488 shares outstanding. The Company's website is
http://www.rurbanfinancial.net.

Rurban's wholly-owned subsidiaries are The State Bank and Trust Company,
Reliance Financial Services, N.A., Rurbanc Data Services, Inc. (RDSI) and RFCBC,
Inc. The bank offers a full range of financial services through its 11 offices
in Defiance, Paulding and Fulton Counties. 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 Ohio,
Michigan, Indiana, Illinois and Missouri.

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.