LNB BANCORP INC
10-Q, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

            <ARTICLE> 9
        <CIK> 0000737210
        <NAME> LNB BANCORP, INC.
        <MULTIPLIER> 1,000

        <S>                             <C>
        <PERIOD-TYPE>                   6-MOS
        <FISCAL-YEAR-END>                          DEC-31-2000
        <PERIOD-START>                             JAN-01-2000
        <PERIOD-END>                               JUN-30-2000
        <CASH>                                          27,094
        <INT-BEARING-DEPOSITS>                           3,036
        <FED-FUNDS-SOLD>                                     0
        <TRADING-ASSETS>                                     0
        <INVESTMENTS-HELD-FOR-SALE>                     77,412
        <INVESTMENTS-CARRYING>                          47,831
        <INVESTMENTS-MARKET>                            45,055
        <LOANS>                                        429,692
        <ALLOWANCE>                                      4,868
        <TOTAL-ASSETS>                                 614,118
        <DEPOSITS>                                     489,542
        <SHORT-TERM>                                    47,738
        <LIABILITIES-OTHER>                              4,842
        <LONG-TERM>                                     18,985
        <COMMON>                                         4,228
                                        0
                                                  0
        <OTHER-SE>                                      48,783
        <TOTAL-LIABILITIES-AND-EQUITY>                 614,118
        <INTEREST-LOAN>                                 18,661
        <INTEREST-INVEST>                                3,714
        <INTEREST-OTHER>                                    85
        <INTEREST-TOTAL>                                22,460
        <INTEREST-DEPOSIT>                               7,422
        <INTEREST-EXPENSE>                               8,933
        <INTEREST-INCOME-NET>                           13,527
        <LOAN-LOSSES>                                        0
        <SECURITIES-GAINS>                                   0
        <EXPENSE-OTHER>                                 10,740
        <INCOME-PRETAX>                                  6,232
        <INCOME-PRE-EXTRAORDINARY>                       6,232
        <EXTRAORDINARY>                                      0
        <CHANGES>                                            0
        <NET-INCOME>                                     4,100
        <EPS-BASIC>                                      .97
        <EPS-DILUTED>                                      .97
        <YIELD-ACTUAL>                                    4.90
        <LOANS-NON>                                        626
        <LOANS-PAST>                                       437
        <LOANS-TROUBLED>                                     0
        <LOANS-PROBLEM>                                  6,078
        <ALLOWANCE-OPEN>                                 4,667
        <CHARGE-OFFS>                                      533
        <RECOVERIES>                                       134
        <ALLOWANCE-CLOSE>                                4,868
        <ALLOWANCE-DOMESTIC>                             3,930
        <ALLOWANCE-FOREIGN>                                  0
        <ALLOWANCE-UNALLOCATED>                            938

</TABLE>


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