8-K

UNITED STATES
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): September 02, 2004

LNB BANCORP, INC.

(Exact name of registrant as specified in its charter)

Ohio	0-13203	34-1406303
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

457 Broadway, Lorain, Ohio	44052-1769
(Address of principal executive offices)	(Zip Code)

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

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

[   ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[   ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[   ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[   ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 7.01. Regulation FD Disclosure.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
Exhibit 99 Press Release

Item 7.01. Regulation FD Disclosure.

On September 1, 2004, Registrant published and issued a press release announcing the completion of the acquisition of Mortgage One Banc by Registrant’s wholly-owned subsidiary, Lorain National Bank. The press release is attached as Exhibit No. 99 and incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(c) Exhibits

The following exhibits are furnished herewith:

Exhibit
Number	Exhibit Description
99	Press Release announcing the completion of the acquisition of Mortgage One Banc by Lorain National Bank

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 thereunto duly authorized

	LNB BANCORP, INC.
Date: September 2, 2004	By:	/s/ Terry M. White
		Terry M. White
		Executive Vice President, Chief Financial Officer and Corporate Secretary

EXHIBIT INDEX

Exhibit
Number	Exhibit Description
99	Press Release announcing the completion of the acquisition of Mortgage One Banc by Lorain National Bank

EX-99

EXHIBIT 99

FOR IMMEDIATE RELEASE

Contact:
Steven F. Cooper
Vice President
Marketing Officer
Tel: (440) 989-3007
Fax: (440) 989-3011

MORTGAGE ONE BANC LLC OPENS DOORS TODAY AS SUBSIDIARY
OF LORAIN NATIONAL BANK

LORAIN, OH—September 1, 2004 – Lorain National Bank, the banking subsidiary of LNB Bancorp, Inc. (NASDAQ: LNBB) has announced that Mortgage One Banc LLC, a mortgage company formerly headquartered in Lorain, opened its doors today as a limited liability company and subsidiary of Lorain National Bank, according to James F. Kidd, LNB president and chief executive officer.

“Today marks a milestone in Lorain National Bank history as Mortgage One Banc becomes part of our family,” Kidd said. “We are excited to be associated with such a dynamic and forward-thinking organization.”

Mortgage One Banc will retain its identity and will continue to operate from its former headquarters in Lorain.

“We feel Mortgage One Banc will substantially improve our presence in the consumer mortgage and retail investment area, with a focus on doing what’s right for our customers — and for those who invest in LNB Bancorp. This is a great opportunity to establish a stronger presence in the mortgage market,” Kidd said.

Randy Bevins, Mortgage One Banc’s president and chief executive officer, said “We are pleased to be joining forces with Lorain National Bank and proud to be joining with a company that shares our strong commitment to customers, employees and the community.”

Kidd added, “Lorain National Bank is competitive and responsive to customer needs, and we are committed to providing superior products with superior service. With an aggressive sales culture, Mortgage One Banc has a proven record of performance for more than eight years, offering superior mortgage and retail investment products, employing a customer-focused philosophy.

“Most notably, Mortgage One’s focus on the total customer relationship aligns well with our approach, and we expect that this acquisition will enhance current and prospective customer relationships.”

About LNB Bancorp, Inc.
LNB Bancorp, Inc. is a $760 million financial holding company with two wholly owned subsidiaries: The Lorain National Bank and Charleston Insurance Agency, Inc. and a 49-percent owned subsidiary, Charleston Title Agency, LLC. North Coast Community Development Corporation, a wholly owned subsidiary of The Lorain National Bank, is a community development entity (CDE) formed and approved in 2002, that provides qualified businesses with debt financing including commercial mortgage, construction, and commercial equipment loans aimed at stimulating economic growth and job creation in low- and moderate-income census tracts in Lorain, County, Ohio.

For more information about LNB Bancorp, Inc., and its related products and services or to view its filings with the Securities and Exchange Commission, visit us at http://www.4lnb.com.

This press release contains forward-looking statements based on current expectations that are covered under the “safe-harbor” provisions of the Securities Litigation Reform Act of 1995. Certain forward-looking statements, which involve inherent risks and uncertainties, are described in LNB Bancorp’s filings with the Securities and Exchange Commission. A number of important factors could cause actual results to differ materially from those in the forward-looking statements. Those factors include fluctuations in interest rates, inflation, government regulations, and economic conditions and competition in the geographic and business areas in which LNB Bancorp, Inc. conducts its operations.

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