The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101   487,835 4,068 SH   SOLE   3,318 0 750
Abbott Laboratories Common Stock 002824100   1,883,008 17,151 SH   SOLE   11,772 0 5,379
Abbvie Inc. Common Stock 00287Y109   1,279,951 7,920 SH   SOLE   4,986 0 2,934
Accenture PLC Int'l Common Stock G1151C101   1,053,484 3,948 SH   SOLE   2,206 0 1,742
Activision Blizzard Inc. Common Stock 00507V109   841,973 10,999 SH   SOLE   10,799 0 200
Aflac Inc. Common Stock 001055102   226,683 3,151 SH   SOLE   3,151 0 0
Air Products & Chemicals Inc Common Stock 009158106   506,471 1,643 SH   SOLE   1,625 0 18
Alphabet Inc. Common Stock 02079K107   2,530,047 28,514 SH   SOLE   22,030 600 5,884
Alphabet Inc. Common Stock 02079K305   2,112,667 23,945 SH   SOLE   19,945 0 4,000
Amazon.com Inc Common Stock 023135106   1,184,400 14,100 SH   SOLE   13,800 0 300
American Express Co. Common Stock 025816109   259,597 1,757 SH   SOLE   1,662 0 95
Amgen Inc. Common Stock 031162100   1,760,739 6,704 SH   SOLE   4,399 0 2,305
Analog Devices Inc. Common Stock 032654105   596,905 3,639 SH   SOLE   2,056 0 1,583
Apple Inc. Common Stock 037833100   4,929,674 37,941 SH   SOLE   28,400 250 9,291
AT&T Inc. Common Stock 00206R102   520,248 28,259 SH   SOLE   24,922 0 3,337
Automatic Data Processing Common Stock 053015103   1,251,388 5,239 SH   SOLE   3,767 0 1,472
Bank of America Corp. Common Stock 060505104   413,934 12,498 SH   SOLE   11,977 0 521
Baxter International Inc. Common Stock 071813109   305,718 5,998 SH   SOLE   4,798 0 1,200
Becton Dickinson and Co. Common Stock 075887109   546,999 2,151 SH   SOLE   2,151 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,449,050 4,691 SH   SOLE   2,313 0 2,378
Blackrock Inc. Common Stock 09247X101   317,466 448 SH   SOLE   398 0 50
Blackstone Inc. Common Stock 09260D107   493,660 6,654 SH   SOLE   5,429 513 712
Boeing Co. Common Stock 097023105   766,722 4,025 SH   SOLE   3,435 0 590
BP PLC Int'l Common Stock 055622104   411,964 11,794 SH   SOLE   11,794 0 0
Bristol-Myers Squibb Co Common Stock 110122108   616,036 8,562 SH   SOLE   5,471 0 3,091
Broadcom Ltd. Common Stock 11135F101   1,703,669 3,047 SH   SOLE   2,589 150 308
C H Robinson Worldwide Inc. Common Stock 12541W209   638,173 6,970 SH   SOLE   6,820 0 150
Canadian Pacific Railway Ltd. Int'l Common Stock 13645T100   307,012 4,116 SH   SOLE   2,172 0 1,944
Cardinal Health Inc. Common Stock 14149Y108   635,715 8,270 SH   SOLE   7,344 0 926
Caterpillar Inc. Common Stock 149123101   638,907 2,667 SH   SOLE   2,369 0 298
Chevron Corporation Common Stock 166764100   4,067,961 22,664 SH   SOLE   22,458 0 206
Chubb Ltd Common Stock H1467J104   482,011 2,185 SH   SOLE   922 0 1,263
Cigna Corp. Common Stock 125523100   365,468 1,103 SH   SOLE   1,103 0 0
Cincinnati Financial Corp Common Stock 172062101   2,739,547 26,756 SH   SOLE   26,756 0 0
Cintas Corp. Common Stock 172908105   525,686 1,164 SH   SOLE   1,164 0 0
Cisco Systems Inc. Common Stock 17275R102   728,034 15,282 SH   SOLE   14,696 0 586
Citigroup Inc. Common Stock 172967424   205,118 4,535 SH   SOLE   4,479 0 56
Coca-Cola Company Common Stock 191216100   1,032,009 16,224 SH   SOLE   14,667 0 1,557
Comcast Corp. Common Stock 20030N101   261,681 7,483 SH   SOLE   6,420 0 1,063
Conocophillips Common Stock 20825C104   281,666 2,387 SH   SOLE   2,322 0 65
Corning Inc. Common Stock 219350105   218,533 6,842 SH   SOLE   6,842 0 0
Cullen Frost Bankers Inc Common Stock 229899109   494,690 3,700 SH   SOLE   1,400 0 2,300
Cummins Inc. Common Stock 231021106   251,255 1,037 SH   SOLE   1,037 0 0
CVS Health Corporation Common Stock 126650100   339,678 3,645 SH   SOLE   3,195 0 450
Danaher Corp. Common Stock 235851102   489,434 1,844 SH   SOLE   1,544 300 0
Deere & Co. Common Stock 244199105   1,000,297 2,333 SH   SOLE   1,487 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205   357,449 2,006 SH   SOLE   624 0 1,382
Disney Walt Co. Common Stock 254687106   1,513,450 17,420 SH   SOLE   13,173 0 4,247
Dominion Energy Inc. Common Stock 25746U109   308,991 5,039 SH   SOLE   4,839 0 200
Duke Energy Holding Corp. Common Stock 26441C204   1,304,059 12,662 SH   SOLE   9,694 0 2,968
Eastman Chemical Company Common Stock 277432100   364,607 4,477 SH   SOLE   4,477 0 0
Eaton Corp. Int'l Common Stock G29183103   1,138,672 7,255 SH   SOLE   6,394 0 861
Eli Lilly Co. Common Stock 532457108   936,550 2,560 SH   SOLE   2,410 0 150
Eli Lilly Co. Common Stock 532457108   219,504 600 SH   OTR   600 0 0
Emerson Electric Co. Common Stock 291011104   897,104 9,339 SH   SOLE   8,139 500 700
Enbridge Inc. Int'l Common Stock 29250N105   1,017,304 26,018 SH   SOLE   10,327 0 15,691
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   411,109 4,700 SH   SOLE   4,700 0 0
EOG Resources Inc. Common Stock 26875P101   202,828 1,566 SH   SOLE   1,566 0 0
Exxon Mobil Corp. Common Stock 30231G102   1,601,225 14,517 SH   SOLE   13,271 0 1,246
Fed Ex Corp. Common Stock 31428X106   628,023 3,626 SH   SOLE   2,139 0 1,487
Fidelity MSCI Utilities Index Exchange Traded Fund 316092865   284,875 6,250 SH   OTR   6,250 0 0
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605   586,530 17,150 SH   SOLE   17,150 0 0
First Financial Bancorp Common Stock 320209109   501,464 20,696 SH   SOLE   20,696 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   1,701,409 34,815 SH   SOLE   33,301 0 1,514
Fiserv Inc. Common Stock 337738108   220,333 2,180 SH   SOLE   2,180 0 0
General Dynamics Corp. Common Stock 369550108   348,595 1,405 SH   SOLE   1,405 0 0
General Mills Inc. Common Stock 370334104   721,949 8,610 SH   SOLE   7,596 0 1,014
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   335,895 18,568 SH   SOLE   15,747 2,821 0
Grainger W W Inc. Common Stock 384802104   208,594 375 SH   SOLE   375 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,080,008 7,950 SH   SOLE   7,950 0 0
Hershey Company Common Stock 427866108   1,995,670 8,618 SH   SOLE   8,618 0 0
Home Depot Inc. Common Stock 437076102   884,724 2,801 SH   SOLE   2,737 0 64
Honeywell International Inc. Common Stock 438516106   1,119,289 5,223 SH   SOLE   4,892 0 331
Illinois Tool Works Inc. Common Stock 452308109   653,410 2,966 SH   SOLE   1,626 0 1,340
Intel Corp. Common Stock 458140100   1,159,167 43,858 SH   SOLE   38,224 1,200 4,434
International Business Machines Corp. Common Stock 459200101   462,119 3,280 SH   SOLE   2,925 0 355
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   470,517 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   5,846,055 41,388 SH   SOLE   35,336 2,700 3,352
IShares Biotechnology ETF Exchange Traded Fund 464287556   396,496 3,020 SH   SOLE   2,770 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   807,225 2,101 SH   SOLE   2,101 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   1,157,867 11,938 SH   SOLE   8,534 0 3,404
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   749,696 10,398 SH   SOLE   8,873 0 1,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   5,005,306 107,180 SH   SOLE   100,930 1,249 5,001
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   12,735,379 206,609 SH   SOLE   195,208 2,500 8,901
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   870,910 8,500 SH   SOLE   8,500 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281   3,179,315 37,585 SH   SOLE   33,681 990 2,914
IShares MSCI India ETF International Equity ETF 46429B598   1,332,090 31,914 SH   SOLE   27,747 1,680 2,487
iShares Russell 1000 ETF Exchange Traded Fund 464287622   332,622 1,580 SH   SOLE   1,580 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   262,343 1,225 SH   SOLE   326 0 899
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   277,519 1,913 SH   SOLE   1,913 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,948,666 8,056 SH   SOLE   6,952 0 1,104
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,248,207 13,189 SH   SOLE   12,289 500 400
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   2,862,848 33,760 SH   SOLE   33,760 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   673,532 10,261 SH   SOLE   8,846 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   217,660 5,743 SH   SOLE   5,743 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   817,051 4,686 SH   SOLE   4,536 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   5,251,081 23,795 SH   SOLE   23,495 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,816,760 26,935 SH   SOLE   24,219 0 2,716
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   247,109 2,049 SH   SOLE   1,549 0 500
IShares TR TIPS Bond ETF Fixed Income ETF 464287176   588,294 5,527 SH   SOLE   5,527 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   375,916 1,325 SH   SOLE   1,325 0 0
Johnson & Johnson Common Stock 478160104   2,911,192 16,480 SH   SOLE   13,888 250 2,342
JP Morgan Chase Co. Common Stock 46625H100   1,825,772 13,615 SH   SOLE   11,986 0 1,629
Kroger Co. Common Stock 501044101   819,380 18,380 SH   SOLE   16,705 0 1,675
Lam Research Corp. Common Stock 512807108   1,041,083 2,477 SH   SOLE   2,259 75 143
LCNB Corp. Common Stock 50181P100   4,513,716 250,762 SH   SOLE   240,562 0 10,200
LCNB Corp. Common Stock 50181P100   4,965,120 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103   643,553 1,973 SH   SOLE   520 0 1,453
Lockheed Martin Corp. Common Stock 539830109   1,332,010 2,738 SH   SOLE   2,531 100 107
Lowes Co Inc. Common Stock 548661107   2,374,542 11,918 SH   SOLE   9,342 0 2,576
Marathon Petroleum Corp. Common Stock 56585A102   231,151 1,986 SH   SOLE   1,986 0 0
Mastercard Inc. Common Stock 57636Q104   1,016,067 2,922 SH   SOLE   1,781 0 1,141
McCormick Co Inc. Common Stock 579780206   360,572 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101   1,345,848 5,107 SH   SOLE   4,124 0 983
Medtronic PLC Int'l Common Stock G5960L103   655,879 8,439 SH   SOLE   6,550 182 1,707
Merck and Co Inc. Common Stock 58933Y105   2,466,751 22,233 SH   SOLE   21,218 0 1,015
Microsoft Corp. Common Stock 594918104   6,816,884 28,425 SH   SOLE   21,423 135 6,867
Mondelez International Inc Common Stock 609207105   727,285 10,912 SH   SOLE   10,069 0 843
NextEra Energy Inc. Common Stock 65339F101   775,808 9,280 SH   SOLE   8,310 0 970
Nike Inc. Common Stock 654106103   1,287,929 11,007 SH   SOLE   8,919 0 2,088
Norfolk Southern Corp. Common Stock 655844108   535,964 2,175 SH   SOLE   1,605 0 570
Novartis AG ADR Int'l Common Stock 66987V109   1,104,153 12,171 SH   SOLE   9,630 450 2,091
Nucor Corporation Common Stock 670346105   221,441 1,680 SH   SOLE   1,680 0 0
Nvidia Corp Common Stock 67066G104   603,558 4,130 SH   SOLE   3,930 0 200
Oracle Corporation Common Stock 68389X105   665,609 8,143 SH   SOLE   7,805 0 338
PayPal Holdings Inc. Common Stock 70450Y103   749,021 10,517 SH   SOLE   9,167 600 750
Pepsico Inc. Common Stock 713448108   2,784,332 15,412 SH   SOLE   12,903 0 2,509
Pfizer Inc. Common Stock 717081103   1,816,919 35,459 SH   SOLE   31,849 1,000 2,610
Phillips 66 Common Stock 718546104   304,226 2,923 SH   SOLE   2,923 0 0
Pioneer Natural Resources Co. Common Stock 723787107   321,802 1,409 SH   SOLE   1,239 0 170
PNC Financial Services Group Inc. Common Stock 693475105   375,108 2,375 SH   SOLE   2,132 0 243
Polaris Inc Common Stock 731068102   254,621 2,521 SH   SOLE   2,321 0 200
Procter & Gamble Co. Common Stock 742718109   8,574,659 56,576 SH   SOLE   53,654 400 2,522
Procter & Gamble Co. Common Stock 742718109   242,496 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102   750,028 7,541 SH   SOLE   7,016 200 325
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103   129,148 20,565 SH   SOLE   20,565 0 0
Raytheon Technologies Corp Common Stock 75513E101   710,416 7,039 SH   SOLE   5,154 287 1,598
Regions Financial Corp. Common Stock 7591EP100   312,706 14,504 SH   SOLE   13,504 0 1,000
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   302,764 4,008 SH   SOLE   4,008 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   7,289,083 131,193 SH   SOLE   121,980 0 9,213
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   7,929,134 120,102 SH   SOLE   112,008 0 8,094
Schwab US Large-Cap Exchange Traded Fund 808524201   317,946 7,042 SH   SOLE   7,042 0 0
Southern Co. Common Stock 842587107   469,021 6,568 SH   SOLE   5,721 0 847
SPDR Gold TR Exchange Traded Fund 78463V107   1,078,401 6,357 SH   SOLE   5,620 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   3,957,768 10,349 SH   SOLE   10,349 0 0
SPDR S&P 500 Value Exchange Traded Fund 78464A508   280,008 7,200 SH   OTR   7,200 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   808,092 1,825 SH   SOLE   1,825 0 0
Starbucks Corp. Common Stock 855244109   1,208,653 12,184 SH   SOLE   10,344 500 1,340
Stryker Corp. Common Stock 863667101   286,542 1,172 SH   SOLE   992 0 180
Sysco Corp. Common Stock 871829107   405,109 5,299 SH   SOLE   4,849 0 450
T Rowe Price Group Inc. Common Stock 74144T108   893,092 8,189 SH   SOLE   7,265 284 640
Target Corporation Common Stock 87612E106   258,435 1,734 SH   SOLE   1,622 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   1,469,636 11,810 SH   SOLE   11,810 0 0
Tesla Inc. Common Stock 88160R101   629,327 5,109 SH   SOLE   5,109 0 0
Texas Instruments Inc. Common Stock 882508104   413,380 2,502 SH   SOLE   2,086 0 416
The JM Smucker Co. Common Stock 832696405   250,525 1,581 SH   SOLE   1,581 0 0
TJX Companies Inc. Common Stock 872540109   1,716,096 21,559 SH   SOLE   11,564 0 9,995
Tractor Supply Co. Common Stock 892356106   560,175 2,490 SH   SOLE   2,350 0 140
U.S. Bancorp Common Stock 902973304   2,436,360 55,867 SH   SOLE   49,561 1,900 4,406
United Health Group Inc. Common Stock 91324P102   274,633 518 SH   SOLE   474 0 44
United Parcel Service Inc Common Stock 911312106   1,035,913 5,959 SH   SOLE   5,349 296 314
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   412,433 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate Term Bond Index Fund Fixed Income ETF 921937819   683,001 9,190 SH   SOLE   8,990 0 200
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   992,990 16,980 SH   SOLE   0 0 16,980
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   323,130 4,268 SH   SOLE   0 0 4,268
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   231,280 4,000 SH   SOLE   4,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   238,988 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   496,637 12,605 SH   SOLE   11,140 0 1,465
Verizon Communications Inc. Common Stock 92343V104   64,852 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   316,834 1,525 SH   SOLE   1,290 0 235
Walmart Inc. Common Stock 931142103   748,509 5,279 SH   SOLE   4,779 0 500
WEC Energy Group Inc. Common Stock 92939U106   231,681 2,471 SH   SOLE   2,371 0 100
Welltower Inc. Common Stock 95040Q104   315,951 4,820 SH   SOLE   4,501 0 319
WestRock Co. Common Stock 96145D105   643,147 18,292 SH   SOLE   17,717 0 575
Whirlpool Corp. Common Stock 963320106   407,971 2,884 SH   SOLE   2,784 0 100
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,642,887 27,088 SH   SOLE   22,088 800 4,200