8-K 1 k82603e8vk.txt CURRENT REPORT DATED JANUARY 28, 2004 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): January 28, 2004 LNB Bancorp, Inc. (Exact name of the registrant as specified on its charter) Ohio (State or other jurisdiction of incorporation) 000-13203 34-1406303 (Commission File Number) (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 Not Applicable (Former name, former address and former fiscal year, if changed since last report) ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS (c) Exhibits The following exhibits are filed herewith: EXHIBIT NO. DESCRIPTION OF EXHIBIT 99 Press Release of LNB Bancorp, Inc., dated January 28, 2004, regarding financial results for the three and twelve month periods ended December 31, 2003. ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On January 28, 2004, LNB Bancorp, Inc. (the "Company") issued a press release reporting its financial results and earnings for the three and twelve month periods ending December 31, 2003. A copy of the Company's press release is attached hereto as Exhibit 99 and is incorporated by reference. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. LNB BANCORP, INC. Date: February 3, 2004 By: /s/ Terry M. White ---------------------------- Terry M. White Executive Vice President and Chief Financial Officer EXHIBIT INDEX 99 Press Release of LNB Bancorp, Inc. dated January 28, 2004, regarding financial results for the three and twelve month periods ended December 31, 2003.