WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <CURRENCY>U.S. <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <EXCHANGE RATE> 1 <CASH> 20,117 <INT-BEARING-DEPOSITS> 482 <FED-FUNDS-SOLD> 2,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,662 <INVESTMENTS-CARRYING> 87,862 <INVESTMENTS-MARKET> 88,751 <LOANS> 329,712 <ALLOWANCE> (4,360) <TOTAL-ASSETS> 489,928 <DEPOSITS> 412,572 <SHORT-TERM> 25,102 <LIABILITIES-OTHER> 4,422 <LONG-TERM> 2,045 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,222 <OTHER-SE> 41,565 <TOTAL-LIABILITIES-AND-EQUITY> 489,928 <INTEREST-LOAN> 7,295 <INTEREST-INVEST> 1,771 <INTEREST-OTHER> 60 <INTEREST-TOTAL> 9,126 <INTEREST-DEPOSIT> 3,139 <INTEREST-EXPENSE> 3,435 <INTEREST-INCOME-NET> 5,691 <LOAN-LOSSES> 187 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,582 <INCOME-PRETAX> 2,544 <INCOME-PRE-EXTRAORDINARY> 1,678 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,678 <EPS-PRIMARY> .41 <EPS-DILUTED> .41 <YIELD-ACTUAL> 4.97 <LOANS-NON> 1,078 <LOANS-PAST> 645 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,459 <ALLOWANCE-OPEN> 4,168 <CHARGE-OFFS> 42 <RECOVERIES> 47 <ALLOWANCE-CLOSE> 4,360 <ALLOWANCE-DOMESTIC> 3,757 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 403