X0202 4 2006-01-20 0 0000737210 LNB BANCORP INC lnbb 0001189417 SOLTIS FRANK A LORAIN NATIONAL BANK 457 BROADWAY LORAIN OH 44052 0 1 0 0 Sr. V.P., Operations Stock Appreciation Right 19 2006-01-20 4 A 0 2500 0 A 2016-01-20 Common Stock 2500 2500 D The stock appreciation right will become exercisable with respect to one-third of the right granted beginning January 20, 2007, and as to a further one-third of the right granted on each of January 20, 2008, and January 20, 2009. Exercisability of the stock appreciation right accelerates on the occurrence of certain change in control events. Frank A. Soltis 2006-01-20