<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 20,199 <INT-BEARING-DEPOSITS> 288,185 <FED-FUNDS-SOLD> 2,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10,693 <INVESTMENTS-CARRYING> 94,601 <INVESTMENTS-MARKET> 94,116 <LOANS> 267,640 <ALLOWANCE> (3,915) <TOTAL-ASSETS> 408,102 <DEPOSITS> 369,809 <SHORT-TERM> 26,596 <LIABILITIES-OTHER> 3,104 <LONG-TERM> 0 <COMMON> 3,211 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 35,082 <TOTAL-LIABILITIES-AND-EQUITY> 408,102 <INTEREST-LOAN> 5,897 <INTEREST-INVEST> 1,404 <INTEREST-OTHER> 45 <INTEREST-TOTAL> 7,346 <INTEREST-DEPOSIT> 2,428 <INTEREST-EXPENSE> 2,716 <INTEREST-INCOME-NET> 4,630 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,020 <INCOME-PRETAX> 1,588 <INCOME-PRE-EXTRAORDINARY> 1,588 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,087 <EPS-PRIMARY> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 5.16 <LOANS-NON> 389 <LOANS-PAST> 209 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,269 <ALLOWANCE-OPEN> 3,832 <CHARGE-OFFS> 60 <RECOVERIES> 43 <ALLOWANCE-CLOSE> 3,915 <ALLOWANCE-DOMESTIC> 2,751 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,164