<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 20,040 <INT-BEARING-DEPOSITS> 288,342 <FED-FUNDS-SOLD> 700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10,326 <INVESTMENTS-CARRYING> 91,946 <INVESTMENTS-MARKET> 92,829 <LOANS> 277,056 <ALLOWANCE> 3,938 <TOTAL-ASSETS> 413,479 <DEPOSITS> 348,066 <SHORT-TERM> 21,926 <LIABILITIES-OTHER> 3,517 <LONG-TERM> 0 <COMMON> 4,036 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 35,934 <TOTAL-LIABILITIES-AND-EQUITY> 413,479 <INTEREST-LOAN> 18,452 <INTEREST-INVEST> 4,412 <INTEREST-OTHER> 171 <INTEREST-TOTAL> 23,035 <INTEREST-DEPOSIT> 7,791 <INTEREST-EXPENSE> 8,640 <INTEREST-INCOME-NET> 14,395 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,047 <INCOME-PRETAX> 5,220 <INCOME-PRE-EXTRAORDINARY> 3,574 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,574 <EPS-PRIMARY> .89 <EPS-DILUTED> .89 <YIELD-ACTUAL> 5.19 <LOANS-NON> 356 <LOANS-PAST> 124 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,382 <ALLOWANCE-OPEN> 3,832 <CHARGE-OFFS> 273 <RECOVERIES> 79 <ALLOWANCE-CLOSE> 3,938 <ALLOWANCE-DOMESTIC> 2,812 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,126