<PAGE>1
                     SECURITIES AND EXCHANGE COMMISSION
                           WASHINGTON, D.C. 20549
                                 FORM 10-K/A
                              (Amendment 2)


              Annual Report Pursuant to Section 13 OR 15(d) of
                    the Securities Exchange Act of 1934

   For the fiscal year ended                      Commission file
      December 31, 2002                           number 0-13203

                              LNB Bancorp, Inc.
      (Exact name of the registrant as specified in its Charter)

               Ohio                          34-1406303
      (State of incorporation)    (I.R.S. Employer Identification No.)
        457 Broadway, Lorain, Ohio               44052-1769
  (Address of principal executive offices)       (Zip Code)

                             (440) 244 - 6000
         (Registrant's telephone number, including area code)

         SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE
                    SECURITIES EXCHANGE ACT OF 1934:

     Title of Each Class            Name of Each Exchange on Which Registered
  Common Stock, Par Value $1.00             NASDAQ - National Market
           Per Share
  Preferred Share Purchase Rights

Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. YES [X]  NO [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to
the best of registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. [ ]

Indicate by check mark whether the registrant is an accelerated filer (as
defined in Exchange Act Rule 12b-2)

Yes   [X]   No    [ ]


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The aggregate market value of the voting common stock held by non-affiliates
of the Registrant at June 28, 2002 was approximately $86,167,000.

The number of shares of Registrant's Common Stock outstanding on May 31, 2003
was 6,603,355.












































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   The undersigned registrant hereby amends the following items of its
Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange
Act of 1934 on Form 10-K for the fiscal year ended December 31, 2002 for
the purpose of furnishing financial statements for The Lorain National
Bank Employee Stock Ownership Plan and The Lorain National Bank 401 (k)
Plan

PART IV

ITEM 16 - EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

     (3)  Exhibits:

          (23.1) Consent of KPMG LLP

          (23.2) Consent of KPMG LLP

          (99.1) Annual report on Form 11-K of The Lorain National Bank
                 Employee Stock Ownership Plan for the plan year ended
                 December 31, 2002.

          (99.2) Annual report on Form 11-K of The Lorain National Bank
                 401(k) Plan for the plan year ended December 31, 2002.

          (99.3) Certification pursuant to 18 U.S.C. section 1350, as enacted
                 pursuant to section 906 of the Sarbanes-Oxley Act of 2002.

          (99.4) Certification pursuant to 18 U.S.C. section 1350, as enacted
                 pursuant to section 906 of the Sarbanes-Oxley Act of 2002.




















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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities
and Exchange Act of 1934, the Registrant has duly caused this report to
be signed on its behalf by the undersigned, thereunto duly authorized.

                                       LNB Bancorp, Inc.
                                       (Registrant)

Date: June 30, 2003                  By: /s/ Gregory D. Friedman
      -------------                      -----------------------
                                         Gregory D. Friedman, CPA
                                         Executive Vice President,
                                         Chief Financial Officer and
                                         Corporate Secretary

                                       LNB Bancorp, Inc.
                                       (Registrant)

                                     By: /s/ Mitchell J. Fallis
                                         -----------------------
                                         Mitchell J. Fallis, CPA
                                         Vice President and
                                         Chief Accounting Officer

























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                                 Certifications

    I, Gary C. Smith, President and Chief Executive Officer of LNB Bancorp,
Inc., certify that:

1.  I, have reviewed this annual report on Form 10-K/A of LNB Bancorp,
Inc.;

    2.  Based on my knowledge, this annual report does not contain any
untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period
covered by this annual report;

    3.  Based on my knowledge, the financial statements, and other financial
information included in this annual report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this annual report;

    4.  The registrant's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

    a)  Designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities,
particularly during the period in which this annual report is being
prepared;

    b)  Evaluated the effectiveness of the registrant's disclosure controls
and procedures as of a date within 90 days prior to the filing date of this
annual report (the "Evaluation Date"); and

    c)  Presented in this annual report our conclusions about the
effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;

    5.  The registrant's other certifying officer and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the
audit committee of registrant's board of directors (or persons performing the
equivalent functions):

    a)  All significant deficiencies in the design or operation of internal
controls which could adversely affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

b)  Any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal control;
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and

    6.  The registrant's other certifying officer and I have indicated in
this quarterly report whether or not there were significant changes in
internal controls or in other factors that could significantly affect
internal controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant deficiencies and
material weaknesses.

Date June 30, 2003
    ______________________

By  /s/Gary C. Smith
    ______________________
    Gary C. Smith
    President and
    Chief Executive Officer
































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    I, Gregory D. Friedman, CPA, Executive Vice President, Chief Financial
Officer and Corporate Secretary of LNB Bancorp, Inc., certify that:

1.  I have reviewed this annual report on Form 10-K/A of LNB Bancorp,
Inc.;

    2.  Based on my knowledge, this annual report does not contain any
untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period
covered by this annual report;

    3.  Based on my knowledge, the financial statements, and other financial
information included in this annual report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this annual report;

    4.  The registrant's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

    a)  Designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities,
particularly during the period in which this annual report is being
prepared;

    b)  Evaluated the effectiveness of the registrant's disclosure controls
and procedures as of a date within 90 days prior to the filing date of this
annual report (the "Evaluation Date"); and

    c)  Presented in this annual report our conclusions about the
effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;

    5.  The registrant's other certifying officer and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the
audit committee of registrant's board of directors (or persons performing the
equivalent functions):

    a)  All significant deficiencies in the design or operation of internal
controls which could adversely affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

b)  Any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal control;
and

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    6.  The registrant's other certifying officer and I have indicated in
this annual report whether or not there were significant changes in
internal controls or in other factors that could significantly affect
internal controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant deficiencies and
material weaknesses.

Date June 30, 2003
    ____________________________

By  /s/Gregory D. Friedman
    ____________________________
    Gregory D. Friedman, CPA
    Executive Vice President,
    Chief Financial Officer and
    Corporate Secretary

































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                               LNB Bancorp, Inc.
                                  Form 10K/A

                                 Exhibit Index
                    Pursuant to Item 601 (a) of Regulation S-K

S-K Reference                       Exhibit
   Number
   (23.1)        Consent of KPMG LLP

   (23.2)        Consent of KPMG LLP

   (99.1)        Annual report on Form 11-K of The Lorain National Bank
                 Employee Stock Ownership Plan for the plan year ended
                 December 31, 2002.

   (99.2)        Annual report on Form 11-K of The Lorain National Bank
                 401(k) Plan for the plan year ended December 31, 2002.

   (99.3)        Certification pursuant to 18 U.S.C. section 1350, as enacted
                 pursuant to section 906 of the Sarbanes-Oxley Act of 2002.

   (99.4)        Certification pursuant to 18 U.S.C. section 1350, as enacted
                 pursuant to section 906 of the Sarbanes-Oxley Act of 2002.