<ARTICLE> 9
<CIK> 0000737210
<NAME> LNB BANCORP, INC.
<MULTIPLIER> 1,000
<CURRENCY> U.S.
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          21,869
<INT-BEARING-DEPOSITS>                         292,945
<FED-FUNDS-SOLD>                                 3,202
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,650
<INVESTMENTS-CARRYING>                          87,920
<INVESTMENTS-MARKET>                            88,730
<LOANS>                                        278,483
<ALLOWANCE>                                    (3,945)
<TOTAL-ASSETS>                                 420,527
<DEPOSITS>                                     351,046
<SHORT-TERM>                                    24,214
<LIABILITIES-OTHER>                              3,104
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,044
<OTHER-SE>                                      37,489
<TOTAL-LIABILITIES-AND-EQUITY>                 420,527
<INTEREST-LOAN>                                  6,258
<INTEREST-INVEST>                                1,575
<INTEREST-OTHER>                                    59
<INTEREST-TOTAL>                                 7,892
<INTEREST-DEPOSIT>                               2,640
<INTEREST-EXPENSE>                               2,878
<INTEREST-INCOME-NET>                            5,014
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,128
<INCOME-PRETAX>                                  1,982
<INCOME-PRE-EXTRAORDINARY>                       1,326
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,326
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                      1,198
<LOANS-PAST>                                       183
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    842
<ALLOWANCE-OPEN>                                 4,002
<CHARGE-OFFS>                                      255
<RECOVERIES>                                        73
<ALLOWANCE-CLOSE>                                3,945
<ALLOWANCE-DOMESTIC>                             2,721
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,224