<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 24,547 <INT-BEARING-DEPOSITS> 3,034 <FED-FUNDS-SOLD> 700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 77,258 <INVESTMENTS-CARRYING> 47,865 <INVESTMENTS-MARKET> 45,010 <LOANS> 427,845 <ALLOWANCE> (4,790) <TOTAL-ASSETS> 600,265 <DEPOSITS> 501,970 <SHORT-TERM> 15,320 <LIABILITIES-OTHER> 6,726 <LONG-TERM> 24,345 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,227 <OTHER-SE> 47,679 <TOTAL-LIABILITIES-AND-EQUITY> 600,265 <INTEREST-LOAN> 9,027 <INTEREST-INVEST> 1,873 <INTEREST-OTHER> 39 <INTEREST-TOTAL> 10,939 <INTEREST-DEPOSIT> 3,572 <INTEREST-EXPENSE> 4,384 <INTEREST-INCOME-NET> 6,555 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,200 <INCOME-PRETAX> 2,988 <INCOME-PRE-EXTRAORDINARY> 1,980 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,980 <EPS-BASIC> .48 <EPS-DILUTED> .48 <YIELD-ACTUAL> 4.80 <LOANS-NON> 1,157 <LOANS-PAST> 781 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,461 <ALLOWANCE-OPEN> 4,667 <CHARGE-OFFS> 237 <RECOVERIES> 60 <ALLOWANCE-CLOSE> 4,790 <ALLOWANCE-DOMESTIC> 3,435 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,355