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   395,356 3,950 SH   SOLE   3,389 0 561
Abbott Laboratories Common Stock 002824100   1,848,107 16,952 SH   SOLE   11,573 0 5,379
Abbvie Inc. Common Stock 00287Y109   1,040,116 7,720 SH   SOLE   4,834 0 2,886
Accenture PLC Int'l Common Stock G1151C101   1,192,970 3,866 SH   SOLE   2,135 0 1,731
Activision Blizzard Inc. Common Stock 00507V109   650,459 7,716 SH   SOLE   7,516 0 200
Aflac Inc. Common Stock 001055102   231,108 3,311 SH   SOLE   3,311 0 0
Air Products & Chemicals Inc Common Stock 009158106   357,339 1,193 SH   SOLE   1,175 0 18
Alphabet Inc. Common Stock 02079K107   3,046,025 25,180 SH   SOLE   18,926 600 5,654
Alphabet Inc. Common Stock 02079K305   2,798,825 23,382 SH   SOLE   19,572 0 3,810
Amazon.com Inc Common Stock 023135106   1,745,390 13,389 SH   SOLE   13,089 0 300
American Express Co. Common Stock 025816109   306,069 1,757 SH   SOLE   1,662 0 95
Amgen Inc. Common Stock 031162100   1,670,923 7,526 SH   SOLE   5,146 0 2,380
Analog Devices Inc. Common Stock 032654105   708,914 3,639 SH   SOLE   2,056 0 1,583
Apple Inc. Common Stock 037833100   7,345,256 37,868 SH   SOLE   28,419 250 9,199
Applied Materials Common Stock 038222105   380,429 2,632 SH   SOLE   2,632 0 0
Automatic Data Processing Common Stock 053015103   1,228,406 5,589 SH   SOLE   4,117 0 1,472
Bank of America Corp. Common Stock 060505104   334,984 11,676 SH   SOLE   11,676 0 0
Becton Dickinson and Co. Common Stock 075887109   655,009 2,481 SH   SOLE   2,481 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,598,949 4,689 SH   SOLE   2,311 0 2,378
Blackrock Inc. Common Stock 09247X101   357,319 517 SH   SOLE   467 0 50
Blackstone Inc. Common Stock 09260D107   687,141 7,391 SH   SOLE   6,166 513 712
Boeing Co. Common Stock 097023105   868,923 4,115 SH   SOLE   3,525 0 590
Booking Holdings Inc. Common Stock 09857L108   202,525 75 SH   SOLE   45 20 10
BP PLC Int'l Common Stock 055622104   292,131 8,278 SH   SOLE   8,278 0 0
Bristol-Myers Squibb Co Common Stock 110122108   464,341 7,261 SH   SOLE   5,471 0 1,790
Broadcom Ltd. Common Stock 11135F101   2,600,555 2,998 SH   SOLE   2,598 150 250
C H Robinson Worldwide Inc. Common Stock 12541W209   596,292 6,320 SH   SOLE   6,170 0 150
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   330,834 4,096 SH   SOLE   2,172 0 1,924
Cardinal Health Inc. Common Stock 14149Y108   758,262 8,018 SH   SOLE   7,092 0 926
Caterpillar Inc. Common Stock 149123101   650,064 2,642 SH   SOLE   2,344 0 298
Chevron Corporation Common Stock 166764100   3,138,503 19,946 SH   SOLE   19,840 0 106
Chubb Ltd Common Stock H1467J104   495,842 2,575 SH   SOLE   1,312 0 1,263
Cigna Group Common Stock 125523100   305,293 1,088 SH   SOLE   1,088 0 0
Cincinnati Financial Corp Common Stock 172062101   2,463,169 25,310 SH   SOLE   25,310 0 0
Cintas Corp. Common Stock 172908105   578,601 1,164 SH   SOLE   1,164 0 0
Cisco Systems Inc. Common Stock 17275R102   905,812 17,507 SH   SOLE   16,921 0 586
Coca-Cola Company Common Stock 191216100   918,656 15,255 SH   SOLE   13,698 0 1,557
Comcast Corp. Common Stock 20030N101   430,790 10,368 SH   SOLE   9,401 0 967
Conocophillips Common Stock 20825C104   252,498 2,437 SH   SOLE   2,372 0 65
Corning Inc. Common Stock 219350105   359,861 10,270 SH   SOLE   10,270 0 0
Cullen Frost Bankers Inc Common Stock 229899109   397,861 3,700 SH   SOLE   1,400 0 2,300
Cummins Inc. Common Stock 231021106   270,657 1,104 SH   SOLE   1,104 0 0
CVS Health Corporation Common Stock 126650100   222,460 3,218 SH   SOLE   2,968 0 250
Danaher Corp. Common Stock 235851102   534,960 2,229 SH   SOLE   1,929 300 0
Deere & Co. Common Stock 244199105   936,799 2,312 SH   SOLE   1,466 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205   334,122 1,926 SH   SOLE   544 0 1,382
Disney Walt Co. Common Stock 254687106   1,422,945 15,938 SH   SOLE   11,881 0 4,057
Dominion Energy Inc. Common Stock 25746U109   250,819 4,843 SH   SOLE   4,643 0 200
Duke Energy Holding Corp. Common Stock 26441C204   1,104,340 12,306 SH   SOLE   9,393 0 2,913
Eastman Chemical Company Common Stock 277432100   448,907 5,362 SH   SOLE   5,362 0 0
Eaton Corp. Int'l Common Stock G29183103   1,324,244 6,585 SH   SOLE   5,724 0 861
Ecolab Inc. Common Stock 278865100   231,309 1,239 SH   SOLE   1,239 0 0
Eli Lilly Co. Common Stock 532457108   1,043,949 2,226 SH   SOLE   2,226 0 0
Eli Lilly Co. Common Stock 532457108   70,347 150 SH   OTR   150 0 0
Emerson Electric Co. Common Stock 291011104   851,383 9,419 SH   SOLE   8,419 500 500
Enbridge Inc. Int'l Common Stock 29250N105   953,863 25,676 SH   SOLE   10,280 0 15,396
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   381,499 4,700 SH   SOLE   4,700 0 0
EOG Resources Inc. Common Stock 26875P101   224,531 1,962 SH   SOLE   1,962 0 0
Exxon Mobil Corp. Common Stock 30231G102   1,637,386 15,267 SH   SOLE   14,021 0 1,246
Fed Ex Corp. Common Stock 31428X106   891,201 3,595 SH   SOLE   2,108 0 1,487
First Financial Bancorp Common Stock 320209109   410,762 20,096 SH   SOLE   20,096 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   2,655,020 50,294 SH   SOLE   48,887 0 1,407
Fiserv Inc. Common Stock 337738108   243,470 1,930 SH   SOLE   1,930 0 0
General Dynamics Corp. Common Stock 369550108   287,225 1,335 SH   SOLE   1,335 0 0
General Electric Co Common Stock 369604301   686,233 6,247 SH   SOLE   6,110 0 137
General Mills Inc. Common Stock 370334104   636,227 8,295 SH   SOLE   7,281 0 1,014
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   291,102 15,293 SH   SOLE   12,472 2,821 0
Grainger W W Inc. Common Stock 384802104   283,892 360 SH   SOLE   360 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,112,277 8,380 SH   SOLE   8,380 0 0
Hershey Company Common Stock 427866108   2,151,915 8,618 SH   SOLE   8,618 0 0
Home Depot Inc. Common Stock 437076102   865,754 2,787 SH   SOLE   2,723 0 64
Honeywell International Inc. Common Stock 438516106   1,024,843 4,939 SH   SOLE   4,608 0 331
Illinois Tool Works Inc. Common Stock 452308109   741,975 2,966 SH   SOLE   1,626 0 1,340
Intel Corp. Common Stock 458140100   1,086,031 32,477 SH   SOLE   29,438 1,200 1,839
International Business Machines Corp. Common Stock 459200101   472,349 3,530 SH   SOLE   3,175 0 355
Interpublic Group of Companies Common Stock 460690100   372,413 9,653 SH   SOLE   9,008 0 645
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   652,765 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   6,425,093 42,937 SH   SOLE   36,998 2,700 3,239
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   74,820 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   2,365,509 29,175 SH   SOLE   27,603 539 1,033
IShares Biotechnology ETF Exchange Traded Fund 464287556   308,513 2,430 SH   SOLE   2,180 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,022,459 2,294 SH   SOLE   2,294 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   1,023,088 10,445 SH   SOLE   6,959 0 3,486
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   606,904 8,165 SH   SOLE   6,640 0 1,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   5,356,640 108,676 SH   SOLE   102,729 1,249 4,698
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   14,209,695 210,514 SH   SOLE   199,696 2,500 8,318
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   257,250 2,500 SH   SOLE   2,500 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281   3,341,656 38,614 SH   SOLE   34,630 990 2,994
IShares MSCI India ETF International Equity ETF 46429B598   1,549,427 35,456 SH   SOLE   31,289 1,680 2,487
iShares Russell 1000 ETF Exchange Traded Fund 464287622   299,800 1,230 SH   SOLE   1,230 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   332,012 1,207 SH   SOLE   308 0 899
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   277,247 1,720 SH   SOLE   1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,786,170 6,831 SH   SOLE   5,727 0 1,104
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,202,377 12,066 SH   SOLE   11,166 500 400
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   3,414,616 34,900 SH   SOLE   34,900 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   731,598 10,091 SH   SOLE   8,676 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   227,193 5,743 SH   SOLE   5,743 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   856,948 4,576 SH   SOLE   4,426 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   5,903,427 23,198 SH   SOLE   22,898 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,718,755 23,535 SH   SOLE   20,819 0 2,716
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   232,152 2,049 SH   SOLE   1,549 0 500
IShares TR TIPS Bond ETF Fixed Income ETF 464287176   435,431 4,046 SH   SOLE   4,046 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   263,582 3,085 SH   SOLE   2,085 1,000 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   371,334 1,325 SH   SOLE   1,325 0 0
Johnson & Johnson Common Stock 478160104   2,702,445 16,327 SH   SOLE   13,835 250 2,242
JP Morgan Chase Co. Common Stock 46625H100   2,073,974 14,260 SH   SOLE   12,631 0 1,629
Kroger Co. Common Stock 501044101   957,437 20,371 SH   SOLE   19,271 0 1,100
Lam Research Corp. Common Stock 512807108   1,618,079 2,517 SH   SOLE   2,299 75 143
LCNB Corp. Common Stock 50181P100   3,344,055 226,562 SH   SOLE   225,362 0 1,200
LCNB Corp. Common Stock 50181P100   4,071,398 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,278,936 2,778 SH   SOLE   2,571 100 107
Lowes Co Inc. Common Stock 548661107   2,629,179 11,649 SH   SOLE   9,223 0 2,426
Marathon Petroleum Corp. Common Stock 56585A102   231,568 1,986 SH   SOLE   1,986 0 0
Mastercard Inc. Common Stock 57636Q104   1,119,332 2,846 SH   SOLE   1,824 0 1,022
McCormick Co Inc. Common Stock 579780206   379,451 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101   1,611,712 5,401 SH   SOLE   4,418 0 983
Medtronic PLC Int'l Common Stock G5960L103   772,461 8,768 SH   SOLE   7,064 182 1,522
Merck and Co Inc. Common Stock 58933Y105   2,372,765 20,563 SH   SOLE   19,748 0 815
Microsoft Corp. Common Stock 594918104   9,487,444 27,860 SH   SOLE   21,607 135 6,118
Mondelez International Inc Common Stock 609207105   795,630 10,908 SH   SOLE   10,265 0 643
New Linde PLC Int'l Common Stock G54950103   705,760 1,852 SH   SOLE   454 0 1,398
NextEra Energy Inc. Common Stock 65339F101   678,856 9,149 SH   SOLE   8,529 0 620
Nike Inc. Common Stock 654106103   1,248,947 11,316 SH   SOLE   9,242 0 2,074
Norfolk Southern Corp. Common Stock 655844108   438,781 1,935 SH   SOLE   1,515 0 420
Novartis AG ADR Int'l Common Stock 66987V109   1,205,269 11,944 SH   SOLE   9,728 450 1,766
Nvidia Corp Common Stock 67066G104   1,648,086 3,896 SH   SOLE   3,696 0 200
NXP Semiconductors Int'l Common Stock N6596X109   289,622 1,415 SH   SOLE   1,415 0 0
Oracle Corporation Common Stock 68389X105   698,463 5,865 SH   SOLE   5,654 0 211
PayPal Holdings Inc. Common Stock 70450Y103   718,348 10,765 SH   SOLE   9,415 600 750
Pepsico Inc. Common Stock 713448108   2,903,324 15,675 SH   SOLE   13,166 0 2,509
Pfizer Inc. Common Stock 717081103   1,277,418 34,826 SH   SOLE   31,216 1,000 2,610
Phillips 66 Common Stock 718546104   305,502 3,203 SH   SOLE   3,203 0 0
Pioneer Natural Resources Co. Common Stock 723787107   309,113 1,492 SH   SOLE   1,322 0 170
PNC Financial Services Group Inc. Common Stock 693475105   299,131 2,375 SH   SOLE   2,132 0 243
Polaris Inc Common Stock 731068102   303,897 2,513 SH   SOLE   2,313 0 200
Procter & Gamble Co. Common Stock 742718109   242,784 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109   7,798,829 51,396 SH   SOLE   48,679 400 2,317
Prudential Financial Inc. Common Stock 744320102   662,532 7,510 SH   SOLE   6,985 200 325
Regions Financial Corp. Common Stock 7591EP100   253,115 14,204 SH   SOLE   13,204 0 1,000
RTX Corporation Common Stock 75513E101   718,870 7,338 SH   SOLE   5,453 287 1,598
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   496,140 6,832 SH   SOLE   6,057 0 775
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   10,317,842 137,663 SH   SOLE   127,978 0 9,685
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   8,626,298 128,578 SH   SOLE   120,133 0 8,445
Schwab US Large-Cap Exchange Traded Fund 808524201   368,790 7,042 SH   SOLE   7,042 0 0
Skyworks Solutions Inc Common Stock 83088M102   470,986 4,255 SH   SOLE   3,974 0 281
Southern Co. Common Stock 842587107   458,100 6,521 SH   SOLE   5,721 0 800
SPDR Gold TR Exchange Traded Fund 78463V107   1,133,262 6,357 SH   SOLE   5,620 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   4,589,278 10,353 SH   SOLE   10,353 0 0
SPDR S&P 500 Value Exchange Traded Fund 78464A508   216,000 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   857,249 1,790 SH   SOLE   1,790 0 0
Starbucks Corp. Common Stock 855244109   1,204,966 12,164 SH   SOLE   10,624 500 1,040
Stryker Corp. Common Stock 863667101   510,110 1,672 SH   SOLE   1,492 0 180
Sysco Corp. Common Stock 871829107   477,329 6,433 SH   SOLE   5,983 0 450
T Rowe Price Group Inc. Common Stock 74144T108   872,412 7,788 SH   SOLE   6,864 284 640
Target Corporation Common Stock 87612E106   281,475 2,134 SH   SOLE   2,122 0 12
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,084,581 11,990 SH   SOLE   11,990 0 0
Tesla Inc. Common Stock 88160R101   1,117,758 4,270 SH   SOLE   4,270 0 0
Texas Instruments Inc. Common Stock 882508104   439,609 2,442 SH   SOLE   2,026 0 416
The JM Smucker Co. Common Stock 832696405   232,876 1,577 SH   SOLE   1,577 0 0
TJX Companies Inc. Common Stock 872540109   1,844,776 21,757 SH   SOLE   11,887 0 9,870
Toll Brothers Inc. Common Stock 889478103   201,629 2,550 SH   SOLE   2,550 0 0
U.S. Bancorp Common Stock 902973304   2,003,975 60,653 SH   SOLE   54,347 1,900 4,406
United Health Group Inc. Common Stock 91324P102   218,691 455 SH   SOLE   426 0 29
United Parcel Service Inc Common Stock 911312106   1,055,245 5,887 SH   SOLE   5,304 296 287
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   404,277 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate Term Bond Index Fund Fixed Income ETF 921937819   1,544,472 20,530 SH   SOLE   20,530 0 0
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,019,628 17,382 SH   SOLE   0 0 17,382
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   366,391 4,668 SH   SOLE   310 0 4,358
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   230,920 4,000 SH   SOLE   4,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   275,350 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   61,215 1,646 SH   OTR   1,646 0 0
Verizon Communications Inc. Common Stock 92343V104   421,251 11,327 SH   SOLE   9,862 0 1,465
Visa Inc Common Stock 92826C839   473,298 1,993 SH   SOLE   1,774 0 219
Walmart Inc. Common Stock 931142103   827,396 5,264 SH   SOLE   4,764 0 500
WEC Energy Group Inc. Common Stock 92939U106   209,217 2,371 SH   SOLE   2,271 0 100
Welltower Inc. Common Stock 95040Q104   399,192 4,935 SH   SOLE   4,616 0 319
WestRock Co. Common Stock 96145D105   553,493 19,040 SH   SOLE   18,465 0 575
Whirlpool Corp. Common Stock 963320106   426,581 2,867 SH   SOLE   2,767 0 100
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,719,645 27,696 SH   SOLE   22,696 800 4,200