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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G

                                 AS OF 12-31-99


                    Under the Securities Exchange Act of 1934

                               (Amendment No. 3)*


                               LNB Bancorp, Inc.
- --------------------------------------------------------------------------
                                (Name of Issuer)



                          Common Shares, $1.00 par value
- --------------------------------------------------------------------------
                         (Title of Class of Securities)


                                   502100 10 0
                        --------------------------------
                                 (CUSIP Number)


Check the following box if a fee is being paid with this statement. [ ] (A
fee is not required only if the filing person: (1) has a previous
statement on file reporting beneficial ownership of more than five percent
of the class of securities described in Item 1; and (2) has filed no
amendment subsequent thereto reporting beneficial ownership of five
percent or less of such class.) (See Rule 13d-7).

*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of
that section of the Act but shall be subject to all other provisions of
the Act (however, see the Notes).











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1.       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

                  Lorain National Bank, Trustee
                  By: Gerald S. Falcon, Vice President
                      and Trust Officer


2.       CHECK THE APPROPRIATE BOX IF MEMBER OF A GROUP (SEE INSTRUCTIONS)
                                                    (a) [ ]
         Not applicable
                                                    (b) [ ]
3.       SEC USE ONLY



4.       CITIZENSHIP OR PLACE OF ORGANIZATION

                  United States of America

NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH:

5.       SOLE VOTING POWER
                  32,006 common shares

6.       SHARED VOTING POWER
                  141,034 common shares

7.       SOLE DISPOSITIVE POWER
                  411,959 common shares

8.       SHARED DISPOSITIVE POWER
                  32,006 common shares

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                  443,965 common shares

10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
         SHARES (SEE INSTRUCTIONS) [ ]
             -0-

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
                  10.8%

12.      TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)

                  BK
                  --

Item 1(a).  Name of Issuer:

                             LNB Bancorp, Inc.



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Item 1(b).  Address of Issuer's Principal Executive Offices.

                  457 Broadway
                  Lorain, Ohio 44052-1739


Item 2(a).  Name of Person Filing.

                  Lorain National Bank, Trustee
                  By: Gerald S. Falcon
                  Vice President and Trust Officer


Item 2(b).  Address of Principal Business Office or, if none,
            Residence of Person Filing.


                  457 Broadway
                  Lorain, Ohio 44052-1739


Item 2(c).  Citizenship of Person Filing.

                  United States of America


Item 2(d).  Title of Class of Securities.

                  Common Shares, $1.00 par value


Item 2(e).  CUSIP Number.

                  502100 10 0

Item 3.  If this statement is filed pursuant to Rules 13d-1(b),
         or 13d-2(b) or (c), check whether the person filing is a:   Not
         applicable

         (a)    [ ]        Broker or Dealer registered under Section 15 of
                           the Exchange Act.

         (b)    [ ]        Bank as defined in Section 3(a)(6) of the
                           Exchange Act.

         (c)    [ ]        Insurance Company as defined in Section
                           3(a)(19) of the Exchange Act.

         (d)    [ ]        Investment Company registered under Section 8
                           of the Investment Company Act.

         (e)    [ ]        An investment adviser in accordance with Rule
                           13d-1 (b)(1)(ii)(E).


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         (f)    [ ]        An employee benefit plan or endowment fund in
                           accordance with Rule 13d-1(b)(1)(ii)(F).

         (g)    [ ]        A parent holding company or control person in
                           accordance with Rule 13d-1(b)(1)(ii)(F).

         (h)    [ ]        A savings association as defined in Section
                           3(b) of the Federal Deposit Insurance Act.

         (i)    [ ]        A church plan that is excluded from the
                           definition of an investment company under
                           Section 3(c)(14) of the Investment Company Act.

         (j)    [ ]        Group, in accordance with Rule
                           13d-1(b)(1)(ii)(J).


If this statement is filed pursuant to Rule 13d-1(c), check this box .

     Not Applicable

Item 4. Ownership.  Provide the following information regarding the
        aggregate number and percentage of the class of securities of the
        issuer identified in Item 1.

         (a)      Amount Beneficially Owned:  443,965

         (b)      Percent of Class:  10.8%

         (c)      Number of shares as to which person filing has:

                  (i)      Sole power to vote or to direct the vote:
                           32,006

                  (ii)     Shared power to vote or to direct the vote:
                           141,034

                  (iii)    Sole power to dispose or to direct the
                           disposition of: 441,959

                  (iv)     Shared power to dispose of or to direct the
                           disposition of: 32,006

Item 5.  Ownership of Five Percent or Less of a Class.

                  If this statement is being filed to report the fact that
                  as of the date hereof the reporting person has ceased to
                  be the beneficial owner of more than five percent of the
                  class of securities, check the following: [ ]

     Not applicable







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Item 6.  Ownership of More than Five Percent on Behalf of Another Person.

         If any other person is known to have the right to receive or the
         power to direct the receipt of dividends from, or the proceeds
         from the sale of, such securities, a statement to that effect
         should be included in response to this item and, if such interest
         relates to more than five percent of the class, such person
         should be identified. A listing of the shareholders of an
         investment company registered under the Investment Company Act of
         1940 or the beneficiaries of an employee benefit plan, pension
         fund or endowment fund is not required.

     Not applicable

Item 7.  Identification and Classification of the Subsidiary Which
         Acquired the Security Being Reported on By the Parent
         Holding Company.

         If a parent holding company has filed this schedule, pursuant to
         Rule 13d-1(b)(ii)(G), so indicate under Item 3(g)and attach an
         exhibit stating the identity and the Item 3 classification of
         the relevant subsidiary. If a parent holding company has filed
         this schedule pursuant to Rule 13d-1(c), attach an exhibit
         stating the identification of the relevant subsidiary.

     Not applicable

Item 8.  Identification and Classification of Members of the Group.

         If a group has filed this schedule pursuant to Rule
         13d-1(b)(1)(ii)(J), so indicate under Item 3(h) and attach an
         exhibit stating the identity and Item 3 classification of each
         member of the group. If a group has filed this schedule pursuant
         to Rule 13d-1(d), attach an exhibit stating the identity of each
         member of the group.

     Not applicable

Item 9.  Notice of Dissolution of Group.

         Notice of dissolution of a group may be furnished as an exhibit
         stating the date of the dissolution and that all further filings
         with respect to transactions in the security reported on will be
         filed if required, by members of the group, in their individual
         capacity. (See Item 5.)

     Not Applicable.

Item 10.  Certifications.

     Not Applicable.







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SIGNATURE

         After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this statement is
true, complete and correct.


Dated:  February 18, 2000                             /s/ Gerald S. Falcon
                                                    ----------------------