<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP,INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 20,695 <INT-BEARING-DEPOSITS> 290,470 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10,841 <INVESTMENTS-CARRYING> 94,497 <INVESTMENTS-MARKET> 95,326 <LOANS> 273,739 <ALLOWANCE> 3,915 <TOTAL-ASSETS> 413,176 <DEPOSITS> 350,158 <SHORT-TERM> 21,296 <LIABILITIES-OTHER> 2,659 <LONG-TERM> 0 <COMMON> 4,014 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 35,049 <TOTAL-LIABILITIES-AND-EQUITY> 413,176 <INTEREST-LOAN> 12,116 <INTEREST-INVEST> 2,897 <INTEREST-OTHER> 122 <INTEREST-TOTAL> 15,135 <INTEREST-DEPOSIT> 5,083 <INTEREST-EXPENSE> 5,708 <INTEREST-INCOME-NET> 9,427 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,990 <INCOME-PRETAX> 3,320 <INCOME-PRE-EXTRAORDINARY> 2,265 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,265 <EPS-PRIMARY> .56 <EPS-DILUTED> .56 <YIELD-ACTUAL> 5.15 <LOANS-NON> 368 <LOANS-PAST> 127 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,424 <ALLOWANCE-OPEN> 3,832 <CHARGE-OFFS> 173 <RECOVERIES> 56 <ALLOWANCE-CLOSE> 3,915 <ALLOWANCE-DOMESTIC> 2,779 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,136