<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <CURRENCY>U.S. <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <EXCHANGE-RATE> 1 <CASH> 19,369 <INT-BEARING-DEPOSITS> 105 <FED-FUNDS-SOLD> 2,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,077 <INVESTMENTS-CARRYING> 89,158 <INVESTMENTS-MARKET> 89,029 <LOANS> 305,786 <ALLOWANCE> (4,089) <TOTAL-ASSETS> 445,448 <DEPOSITS> 371,004 <SHORT-TERM> 24,346 <LIABILITIES-OTHER> 3,974 <LONG-TERM> 1,095 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,138 <OTHER-SE> 40,891 <TOTAL-LIABILITIES-AND-EQUITY> 445,448 <INTEREST-LOAN> 6,655 <INTEREST-INVEST> 1,593 <INTEREST-OTHER> 8 <INTEREST-TOTAL> 8,256 <INTEREST-DEPOSIT> 2,730 <INTEREST-EXPENSE> 2,999 <INTEREST-INCOME-NET> 5,257 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,113 <INCOME-PRETAX> 2,312 <INCOME-PRE-EXTRAORDINARY> 1,525 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,525 <EPS-PRIMARY> .37 <EPS-DILUTED> .37 <YIELD-ACTUAL> 5.19 <LOANS-NON> 597 <LOANS-PAST> 180 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,207 <ALLOWANCE-OPEN> 4,116 <CHARGE-OFFS> 174 <RECOVERIES> 22 <ALLOWANCE-CLOSE> 4,089 <ALLOWANCE-DOMESTIC> 3,010 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,079