<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 19,404 <INT-BEARING-DEPOSITS> 297,289 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,244 <INVESTMENTS-CARRYING> 89,725 <INVESTMENTS-MARKET> 89,674 <LOANS> 297,080 <ALLOWANCE> 4,112 <TOTAL-ASSETS> 433,587 <DEPOSITS> 360,464 <SHORT-TERM> 26,203 <LIABILITIES-OTHER> 3,602 <LONG-TERM> 0 <COMMON> 4,135 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 39,183 <TOTAL-LIABILITIES-AND-EQUITY> 433,587 <INTEREST-LOAN> 19,182 <INTEREST-INVEST> 4,762 <INTEREST-OTHER> 167 <INTEREST-TOTAL> 24,111 <INTEREST-DEPOSIT> 7,841 <INTEREST-EXPENSE> 8,538 <INTEREST-INCOME-NET> 15,573 <LOAN-LOSSES> 425 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,453 <INCOME-PRETAX> 6,397 <INCOME-PRE-EXTRAORDINARY> 4,280 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,280 <EPS-PRIMARY> 1.03 <EPS-DILUTED> 1.03 <YIELD-ACTUAL> 5.31 <LOANS-NON> 941 <LOANS-PAST> 396 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 923 <ALLOWANCE-OPEN> 4,002 <CHARGE-OFFS> 479 <RECOVERIES> 164 <ALLOWANCE-CLOSE> 4,112 <ALLOWANCE-DOMESTIC> 2,863 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,249