<ARTICLE> 9
<CIK> 0000737210
<NAME> LNB BANCORP, INC.
<MULTIPLIER> 1000
<CURRENCY> U.S.
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          27,428
<INT-BEARING-DEPOSITS>                         293,292
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,161
<INVESTMENTS-CARRYING>                          89,405
<INVESTMENTS-MARKET>                            90,915
<LOANS>                                        276,493
<ALLOWANCE>                                      4,002
<TOTAL-ASSETS>                                 421,603
<DEPOSITS>                                     353,455
<SHORT-TERM>                                    24,148
<LIABILITIES-OTHER>                              3,209
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,039
<OTHER-SE>                                      36,752
<TOTAL-LIABILITIES-AND-EQUITY>                 421,603
<INTEREST-LOAN>                                 24,827
<INTEREST-INVEST>                                5,984
<INTEREST-OTHER>                                   300
<INTEREST-TOTAL>                                31,111
<INTEREST-DEPOSIT>                              10,528
<INTEREST-EXPENSE>                              11,636
<INTEREST-INCOME-NET>                           19,475
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 16,023
<INCOME-PRETAX>                                  7,339
<INCOME-PRE-EXTRAORDINARY>                       5,003
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,003
<EPS-PRIMARY>                                     1.24
<EPS-DILUTED>                                     1.24
<YIELD-ACTUAL>                                    5.14
<LOANS-NON>                                        732
<LOANS-PAST>                                       725
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    942
<ALLOWANCE-OPEN>                                 3,832
<CHARGE-OFFS>                                      449
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                                4,002
<ALLOWANCE-DOMESTIC>                             2,861
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,141