Itis the closest thing to a sister planet that we have found so far. In no way did we meet the criterion of theCongressional Medal of Honor: ‘above and beyond the call of duty.’Celebrities?What nonsense, what an empty concept for a person to be, as myfriend the great historian Daniel Boorstin put it, “known for hiswell-known-ness.”How many live-ins, how many trips to rehab, maybe–wow–youcould even get arrested and then you would really be noticed Don’t get mestarted.Q So, if I wanted to sum you up, I should say “grumpy?”A. We came along at exactly the right time.We survived hazardous careers and we were successful in them. But in my owncase at least, it was 10 percent shrewd planning and 90 percent blind luck.Put LUCKY on my tombstone.Q Okay, but getting back to the space program What’s next?A I hope Mars It was my favorite planet as a kid and still is. No, no, lucky!Usually, you find yourself either too young or too old todo what you really want, but consider: Neil Armstrong was born in 1930, BuzzAldrin 1930, and Mike Collins 1930. As celestialbodies go, the moon is not a particularly interesting place, but Mars is. We work very hard; we did our jobs to near perfection, but that was whatwe had hired on to do.

Rurban’s wholly-owned subsidiaries are The State Bankand Trust Company, including Reliance Financial Services and RDSI BankingSystems (RDSI), including DCM. The State Bank and Trust Company offers financialservices through its 20 banking centers in Allen, Defiance, Fulton, Lucas,Paulding, Williams and Wood Counties, Ohio and Allen County, Indiana and a LoanProduction Office in Franklin County, Ohio. RDSI believes that its data processing customers willhave the choice of moving their processing to Fiserv or remaining with RDSI andbeing processed on Single Source(tm). The result could be the loss of someclients now being serviced by RDSI that choose to move their processing toFiserv. The positive is that we believe RDSI and Single Source(tm) will likelyhave a sizable installed base, marking an exceptional start for a new coresystem and an exciting beginning point for an independent RDSI. While there willbe many short-term challenges, we are excited about RDSI’s long-term businessopportunities as we create an exciting platform with strong possibilities formarket share growth.”ABOUT RURBAN FINANCIAL CORP.Rurban Financial Corp.

is a publicly-held financial services holding companybased in Defiance, Ohio. Pursuant tothe license agreements, RDSI licenses Fiserv’s Premier software products whichit has used to provide data processing services to many of its financialinstitution customers. An agreement is being negotiated, while the legal actionis being currently stayed. As we stated in an earlier press release, weplan to spin-off RDSI within the next 18 months and merge RDSI with New Core. Wealso disclosed in a Form 8K filed on May 29, 2009, that Information Technology,Inc and Fiserv Solutions, Inc. (collectively, “Fiserv”) delivered notices toRDSI stating their intention to terminate a series of license agreements andfiled a lawsuit against RDSI in Nebraska seeking a declaratory judgmentregarding Fiserv’s ability to terminate those license agreements.

Joyce concluded, “We continue to be pleased with RDSI’s contribution toRurban’s overall performance and RDSI was a key component to the success weachieved in the first half of 2009. The increase was due largelyto software expenses increasing $80 thousand, which is associated withadditional product offerings.Mr. Loan growth totaled $7.17 million, or 6.6 percent onan annualized basis for the quarter.Non-interest income totaled $7.90 million in the second quarter of 2009,compared to $6.80 million for the 2008 second quarter. The Bank expensed $300 thousand during the quarter for thisspecial FDIC assessment. The FDIC also announced that an additional 5basis point special assessment later in 2009 is probable. This 21.0 percent increase is dueprimarily to the acquisition of the five banking centers in Williams County,coupled with a 21 basis point improvement in State Bank’s net interest marginfor the year-over-year period.

Further margin improvement appears possible, asexcess liquidity from the growth in deposits and sale of securities is investedin higher-yielding loans. * As previously announced by the FDIC, all banks received a 5 basis pointspecial assessment on asset balances (less Tier 1 capital) at June 30,2009. As a result of this strategy, the one year maturity gap hasmoved from a negative gap of $43 million to a positive gap of $3million. This restructuring will result in giving up short-termearnings, but should improve long-term earnings as rates increase. * During the quarter State Bank elected to sell $12 million in mortgagebacked securities.