<ARTICLE> 9 <CIK> 0000737210 <NAME> LNB BANCORP, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 19,937 <INT-BEARING-DEPOSITS> 12,926 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,756 <INVESTMENTS-CARRYING> 47,085 <INVESTMENTS-MARKET> 44,703 <LOANS> 413,544 <ALLOWANCE> 4,108 <TOTAL-ASSETS> 587,536 <DEPOSITS> 475,141 <SHORT-TERM> 32,710 <LIABILITIES-OTHER> 4,809 <LONG-TERM> 24,345 <COMMON> 4,223 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 46,308 <TOTAL-LIABILITIES-AND-EQUITY> 587,536 <INTEREST-LOAN> 25,169 <INTEREST-INVEST> 5,331 <INTEREST-OTHER> 250 <INTEREST-TOTAL> 30,770 <INTEREST-DEPOSIT> 9,453 <INTEREST-EXPENSE> 11,390 <INTEREST-INCOME-NET> 19,380 <LOAN-LOSSES> 1,250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 15,405 <INCOME-PRETAX> 8,788 <INCOME-PRE-EXTRAORDINARY> 5,787 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,787 <EPS-BASIC> 1.40 <EPS-DILUTED> 1.40 <YIELD-ACTUAL> 4.77 <LOANS-NON> 994 <LOANS-PAST> 505 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,434 <ALLOWANCE-OPEN> 3,483 <CHARGE-OFFS> 810 <RECOVERIES> 185 <ALLOWANCE-CLOSE> 4,108 <ALLOWANCE-DOMESTIC> 2,839 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,269