<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 21,721 <INT-BEARING-DEPOSITS> 2,793 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 76,519 <INVESTMENTS-CARRYING> 45,745 <INVESTMENTS-MARKET> 44,922 <LOANS> 395,237 <ALLOWANCE> (3,483) <TOTAL-ASSETS> 560,613 <DEPOSITS> 452,846 <SHORT-TERM> 29,567 <LIABILITIES-OTHER> 4,646 <LONG-TERM> 22,603 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,223 <OTHER-SE> 44,986 <TOTAL-LIABILITIES-AND-EQUITY> 560,613 <INTEREST-LOAN> 7,980 <INTEREST-INVEST> 1,785 <INTEREST-OTHER> 13 <INTEREST-TOTAL> 9,778 <INTEREST-DEPOSIT> 3,048 <INTEREST-EXPENSE> 3,575 <INTEREST-INCOME-NET> 6,203 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,008 <INCOME-PRETAX> 2,745 <INCOME-PRE-EXTRAORDINARY> 1,833 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,833 <EPS-PRIMARY> .44 <EPS-DILUTED> .44 <YIELD-ACTUAL> 4.89 <LOANS-NON> 848 <LOANS-PAST> 479 <LOANS-TROUBLED> 2,922 <LOANS-PROBLEM> 7,459 <ALLOWANCE-OPEN> 3,483 <CHARGE-OFFS> 270 <RECOVERIES> 70 <ALLOWANCE-CLOSE> 3,483 <ALLOWANCE-DOMESTIC> 2,549 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 934