UNITED STATES
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 22, 2005
(February 18, 2005)
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RURBAN FINANCIAL CORP.
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(Exact name of registrant as specified in its charter)
Ohio 0-13507 34-1395608
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(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation or Identification No.)
organizational)
401 Clinton Street, Defiance, Ohio 43512
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(Address of principal executive offices) (Zip Code)
(419) 783-8950
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(Registrant's telephone number, including area code)
Not Applicable
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(Former name orformer address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))
Item 1.02. Termination of Material Definitive Agreement.
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On February 18, 2005, Rurban Financial Corp. (the "Company") issued a
news release announcing that its regulators, the Federal Reserve Bank of
Cleveland and the Ohio Department of Financial Institutions, had terminated the
Written Agreement that was entered into on July 5, 2002 with the Company and its
subsidiary, The State Bank and Trust Company. The termination of the Written
Agreement was effective as of February 17, 2005. The Company previously
disclosed the terms of the Written Agreement in a Current Report on Form 8-K
filed on July 11, 2002.
A copy of the February 18, 2005 news release is attached as Exhibit 99
and incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits.
(a) Financial Statements - Not Applicable
(b) Pro Forma Financial Information - Not Applicable
(c) Exhibits
Exhibit No. Description
99 News Release issued by Rurban Financial Corp. on
February 18, 2005.
[Remainder of page intentionally left blank; signature on following page.]
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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.
Dated: February 22, 2005 By: /s/ James E. Adams
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James E. Adams
Executive Vice President and Chief
Financial Officer
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INDEX TO EXHIBITS
Current Report on Form 8-K
Dated February 22, 2005
Rurban Financial Corp.
Exhibit No. Description
99 News Release issued by Rurban Financial Corp. on
February 18, 2005.
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