LORAIN NATIONAL BANK              SECURITIES AND EXCHANGE COMMISSION FORM 13F
ASSETS AS OF 03/31/2013


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    INVESTMENT
                                                            MARKET
    DISCRETION               VOTING AUTHORITY
                                                             VALUE     SHS OR
 SOLE SHR OTHER OTHR    SOLE      SHARED      NONE
 NAME OF ISSUER               TITLE OF CLASS     CUSIP    (X$1000)    PRN AMT
  (A)  (B)  (C) MGRS     (A)        (B)        (C)
 A T & T INC                  COM              00206R102     1,432     39,043 SH
   X                     38,368                   725
 ABBOTT LABS                  COM              002824100       486     13,750 SH
   X                     13,650                   100
 ABBVIE INC                   COM              00287Y109       558     13,683 SH
   X                     13,583                   100
 ALTRIA GROUP INC             COM              02209S103       236      6,850 SH
   X                      6,850
 AMERICAN ELECTRIC POWER CO   COM              025537101       751     15,450 SH
   X                     15,450
 AUTOMATIC DATA PROCESSING    COM              053015103       241      3,700 SH
   X                      3,600                   100
 BERKSHIRE HATHAWAY INC DEL   CL B             084670207     1,563     15,000 SH
   X                     15,000
 BRISTOL MYERS SQUIBB CO      COM              110122108     1,229     29,835 SH
   X                     29,435                   400
 CHEVRON CORP                 COM              166764100     2,008     16,897 SH
   X                     16,572                   325
 CHUBB CORP                   COM              171232101       341      3,900 SH
   X                      3,900
 CISCO SYS INC                COM              17275R102       538     25,750 SH
   X                     25,750
 COCA COLA CO                 COM              191216100       493     12,191 SH
   X                     12,041                   150
 COLGATE PALMOLIVE CO         COM              194162103       305      2,583 SH
   X                      2,583
 CONOCO PHILLIPS              COM              20825C104       290      4,825 SH
   X                      4,725                   100
 DANAHER CORP DEL             COM              235851102       601      9,675 SH
   X                      9,675
 DOMINION RESOURCES INC       COM              25746U109       846     14,533 SH
   X                     14,133                   400
 DOW CHEMICAL CO              COM              260543103       418     13,117 SH
   X                     12,967                   150
 E I DU PONT D NEMOURS & CO   COM              263534109       428      8,700 SH
   X                      8,700
 EMERSON ELEC CO              COM              291011104     3,904     69,880 SH
   X                     69,880
 EXELON CORP                  COM              30161N101       636     18,433 SH
   X                     18,183                   250
 EXXON MOBIL CORP             COM              30231G102     3,257     36,149 SH
   X                     35,999                   150
 GENERAL ELEC CO              COM              369604103     1,982     85,721 SH
   X                     85,021                   700
 GENERAL MILLS INC            COM              370334104       498     10,100 SH
   X                     10,000                   100
 HARTFORD FINANCIAL           COM              416515104       205      7,950 SH
   X                      7,950
 HERSHEY CORPORATION          COM              427866108       298      3,400 SH
   X                      3,400
 HOME DEPOT INC               COM              437076102       826     11,840 SH
   X                     11,840
 INTEL CORP                   COM              458140100     1,332     60,983 SH
   X                     60,783                   200
 INTERNATIONAL BUSINESS MACH  COM              459200101       365      1,710 SH
   X                      1,710
 JOHNSON & JOHNSON            COM              478160104     1,209     14,830 SH
   X                     14,730                   100
 LNB BANCORP INC              COM              502100100       804     96,765 SH
   X                          0                96,765
 LILLY ELI & CO               COM              532457108       799     14,075 SH
   X                     13.875                   200
 LOWES COS INC                COM              548661107     1,037     27,350 SH
   X                     27,150                   200
 MARATHON OIL CO              COM              565849106       280      8,300 SH
   X                      8,100                   200
 MARATHON PETROLEUM           COM              56585A102       363      4,050 SH
   X                      3,950                   100
 MICROSOFT CORP               COM              594918104     1,472     51,463 SH
   X                     51,013                   450
 MONDELEZ INTERNATIONAL       COM              609207105       349     11,415 SH
   X                     11,075                   340
 NORDSON CORPORATION          COM              655663102       855     12,970 SH
   X                     12,970
 ORACLE CORP                  COM              68389X105       865     26,746 SH
   X                     26,596                   150
 PEPSICO INC                  COM              713448108       768      9,702 SH
   X                      9,702
 PFIZER INC                   COM              717081103     1,403     48,610 SH
   X                     47,963                   647
 PROCTER & GAMBLE CO          COM              742718109     1,898     24,627 SH
   X                     24,527                   100
 PROGRESSIVE CORP OHIO        COM              743315103       273     10,800 SH
   X                     10,800
 ROYAL DUTCH SHELL PLC        SPONS ADR A      780259206       599      9,200 SH
   X                      8,900                   300
 SPDR TR                      UNIT SER 1       78462F103     2,594     16,558 SH
   X                     16,558
 SOUTHERN COMPANY             COM              842587107       624     13,300 SH
   X                     13,000                   300
 SPECTRA ENERGY               COM              847560109       717     23,315 SH
   X                     22,865                   350
 STATE STR CORP               COM              857477103       714     12,075 SH
   X                     12,075
 SUN LIFE FINANCIAL           COM              866796105       347     12,717 SH
   X                     12,517                   200
 TARGET CORP                  COM              87612E106       839     12,260 SH
   X                     12,260
 3M CO                        COM              88579Y101       449      4,225 SH
   X                      4,175                    50
 UNITED TECHNOLOGIES CORP     COM              913017109       439      4,700 SH
   X                      4,700
 VERIZON COMMUNICATIONS       COM              92343V104     1,548     31,500 SH
   X                     31,200                   300
 VISA INC                     COM              92826C839       552      3,250 SH
   X                      3,100                   150
 WAL MART STORES INC          COM              931142103       266      3,551 SH
   X                      3,551
 WASTE MANAGEMENT INC         COM              94106L109       434     11,060 SH
   X                     10,910                   150
 WELLS FARGO & CO NEW         COM              949746101     1,039     28,080 SH
   X                     27,880                   200

 FINAL TOTALS                                               49,603


 FORM 13F INFORMATION TABLE ENTRY TOTAL       56