<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 22,054 <INT-BEARING-DEPOSITS> 3,936 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,914 <INVESTMENTS-CARRYING> 71,003 <INVESTMENTS-MARKET> 70,227 <LOANS> 361,799 <ALLOWANCE> 4,675 <TOTAL-ASSETS> 523,611 <DEPOSITS> 433,308 <SHORT-TERM> 36,222 <LIABILITIES-OTHER> 3,868 <LONG-TERM> 2,045 <COMMON> 4,222 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 43,946 <TOTAL-LIABILITIES-AND-EQUITY> 523,611 <INTEREST-LOAN> 22,752 <INTEREST-INVEST> 5,469 <INTEREST-OTHER> 112 <INTEREST-TOTAL> 28,333 <INTEREST-DEPOSIT> 9,448 <INTEREST-EXPENSE> 10,428 <INTEREST-INCOME-NET> 17,905 <LOAN-LOSSES> 1,263 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,805 <INCOME-PRETAX> 7,948 <INCOME-PRE-EXTRAORDINARY> 5,258 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,258 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.27 <YIELD-ACTUAL> 5.06 <LOANS-NON> 2,707 <LOANS-PAST> 295 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,590 <ALLOWANCE-OPEN> 4,168 <CHARGE-OFFS> 882 <RECOVERIES> 126 <ALLOWANCE-CLOSE> 4,675 <ALLOWANCE-DOMESTIC> 4,135 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 540