<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 24,131 <INT-BEARING-DEPOSITS> 296,013 <FED-FUNDS-SOLD> 705 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,424 <INVESTMENTS-CARRYING> 86,624 <INVESTMENTS-MARKET> 85,225 <LOANS> 285,655 <ALLOWANCE> 3,995 <TOTAL-ASSETS> 424,488 <DEPOSITS> 357,567 <SHORT-TERM> 21,154 <LIABILITIES-OTHER> 2,998 <LONG-TERM> 360 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,126 <OTHER-SE> 38,283 <TOTAL-LIABILITIES-AND-EQUITY> 424,488 <INTEREST-LOAN> 12,646 <INTEREST-INVEST> 3,163 <INTEREST-OTHER> 115 <INTEREST-TOTAL> 15,924 <INTEREST-DEPOSIT> 5,198 <INTEREST-EXPENSE> 5,648 <INTEREST-INCOME-NET> 10,276 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,301 <INCOME-PRETAX> 4,123 <INCOME-PRE-EXTRAORDINARY> 2,777 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,777 <EPS-PRIMARY> .67 <EPS-DILUTED> .67 <YIELD-ACTUAL> 5.34 <LOANS-NON> 69 <LOANS-PAST> 243 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,980 <ALLOWANCE-OPEN> 4,002 <CHARGE-OFFS> 450 <RECOVERIES> 143 <ALLOWANCE-CLOSE> 3,995 <ALLOWANCE-DOMESTIC> 2,740 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,255