<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 20,842 <INT-BEARING-DEPOSITS> 161 <FED-FUNDS-SOLD> 9,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15,383 <INVESTMENTS-CARRYING> 100,677 <INVESTMENTS-MARKET> 101,402 <LOANS> 331,844 <ALLOWANCE> 4,305 <TOTAL-ASSETS> 496,779 <DEPOSITS> 422,103 <SHORT-TERM> 25,930 <LIABILITIES-OTHER> 3,226 <LONG-TERM> 1,095 <COMMON> 4,222 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 40,203 <TOTAL-LIABILITIES-AND-EQUITY> 496,779 <INTEREST-LOAN> 20,762 <INTEREST-INVEST> 4,925 <INTEREST-OTHER> 63 <INTEREST-TOTAL> 25,750 <INTEREST-DEPOSIT> 8,480 <INTEREST-EXPENSE> 9,458 <INTEREST-INCOME-NET> 16,292 <LOAN-LOSSES> 375 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,865 <INCOME-PRETAX> 7,288 <INCOME-PRE-EXTRAORDINARY> 4,780 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,780 <EPS-PRIMARY> 1.14 <EPS-DILUTED> 1.14 <YIELD-ACTUAL> 5.08 <LOANS-NON> 882 <LOANS-PAST> 919 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,019 <ALLOWANCE-OPEN> 4,116 <CHARGE-OFFS> 312 <RECOVERIES> 126 <ALLOWANCE-CLOSE> 4,305 <ALLOWANCE-DOMESTIC> 3,120 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,185