SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549



                                    FORM 8-K

                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934



                                                

 Date of Report (Date of earliest event reported): February 26, 2003 (February 26, 2003)
                                                   -------------------------------------




                             RURBAN FINANCIAL CORP.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)



                                                                     
                OHIO                                 0-13507                           34-1395608
-------------------------------------         -----------------------        --------------------------------
  (State or other jurisdiction of                (Commission File             (IRS Employer Identification
           incorporation)                            Number)                              No.)



                    401 Clinton Street, Defiance, Ohio 43512
               ---------------------------------------------------
               (Address of principal executive offices) (Zip Code)


        Registrant's telephone number, including area code (419) 783-8950
                                                           --------------


                                 NOT APPLICABLE
         --------------------------------------------------------------
         (Former name or former address, if changed since last report.)




                         Index to Exhibits is on Page 4.



ITEM 1. CHANGES IN CONTROL OF REGISTRANT.

        Not Applicable.

ITEM 2. ACQUISITION OR DISPOSITION OF ASSETS.

        Not applicable.

ITEM 3. BANKRUPTCY OR RECEIVERSHIP.

        Not applicable.

ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT.

        Not applicable.

ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE.

        See the Press Release issued by the Company on February 26, 2003
included with this filing as Exhibit 99 and the unaudited financial statements
included therewith.

ITEM 6. RESIGNATIONS OF REGISTRANT'S DIRECTORS.

        Not Applicable.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

        (a)     None required.

        (b)     None required.

        (c)     Exhibits.

                EXHIBIT NUMBER                          DESCRIPTION
                --------------                          -----------

                     99                   Press Release issued February 26, 2003

ITEM 8. CHANGE IN FISCAL YEAR.

        Not Applicable.

ITEM 9. REGULATION FD DISCLOSURE.

        Not Applicable.


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                                   SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                RURBAN FINANCIAL CORP.



Date:  February 26, 2003        By: /s/ Richard C. Warrener
                                   --------------------------------
                                   Richard C. Warrener, Executive Vice President
                                   and Chief Financial Officer





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                                INDEX TO EXHIBITS



                                                                     
   EXHIBIT NUMBER                         DESCRIPTION                       PAGE NO.
   --------------                         -----------                       --------
        99                    Press Release Issued February 26, 2003            *




-------
*Filed herewith




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