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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101 353 2,585 SH   SOLE   1,699 0 886
Abbott Laboratories Common Stock 002824100 1,457 18,464 SH   SOLE   12,035 150 6,279
Abbvie Inc. Common Stock 00287Y109 486 6,380 SH   SOLE   3,321 0 3,059
Accenture PLC Int'l Common Stock G1151C101 697 4,272 SH   SOLE   2,275 0 1,997
Alphabet Inc. Common Stock 02079K107 1,616 1,390 SH   SOLE   977 40 373
Alphabet Inc. Common Stock 02079K305 1,221 1,051 SH   SOLE   788 0 263
Amazon.com Inc Common Stock 023135106 762 391 SH   SOLE   336 0 55
Amgen Inc. Common Stock 031162100 1,057 5,215 SH   SOLE   2,690 0 2,525
Analog Devices Inc. Common Stock 032654105 308 3,432 SH   SOLE   1,799 0 1,633
Apple Inc. Common Stock 037833100 3,107 12,218 SH   SOLE   8,486 200 3,532
AT&T Inc. Common Stock 00206R102 774 26,544 SH   SOLE   21,305 0 5,239
Automatic Data Processing Common Stock 053015103 743 5,436 SH   SOLE   3,833 0 1,603
Bank of America Corp. Common Stock 060505104 230 10,848 SH   SOLE   10,327 0 521
Baxter International Inc. Common Stock 071813109 642 7,910 SH   SOLE   3,805 0 4,105
Berkshire Hathaway Inc. Common Stock 084670702 813 4,449 SH   SOLE   1,559 0 2,890
Blackrock Inc. Common Stock 09247X101 388 881 SH   SOLE   596 100 185
Boeing Co. Common Stock 097023105 220 1,472 SH   SOLE   982 0 490
Bristol-Myers Squibb Co Common Stock 110122108 558 10,011 SH   SOLE   6,500 0 3,511
Broadcom Ltd. Common Stock 11135F101 678 2,860 SH   SOLE   2,101 200 559
C H Robinson Worldwide Inc. Common Stock 12541W209 478 7,228 SH   SOLE   6,128 400 700
Caterpillar Inc. Common Stock 149123101 274 2,365 SH   SOLE   2,067 0 298
Chevron Corporation Common Stock 166764100 1,509 20,819 SH   SOLE   19,634 250 935
Cincinnati Financial Corp Common Stock 172062101 2,157 28,582 SH   SOLE   28,582 0 0
Cintas Corp. Common Stock 172908105 277 1,600 SH   SOLE   1,600 0 0
Cisco Systems Inc. Common Stock 17275R102 639 16,265 SH   SOLE   15,229 0 1,036
Citigroup Inc. Common Stock 172967424 227 5,394 SH   SOLE   3,626 700 1,068
Coca-Cola Company Common Stock 191216100 693 15,661 SH   SOLE   13,935 0 1,726
CVS Health Corporation Common Stock 126650100 249 4,194 SH   SOLE   3,194 0 1,000
Danaher Corp. Common Stock 235851102 428 3,093 SH   SOLE   2,643 450 0
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR International Equity ETF 233051200 758 28,271 SH   SOLE   23,025 1,150 4,096
Deere & Co. Common Stock 244199105 282 2,044 SH   SOLE   669 0 1,375
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 267 2,099 SH   SOLE   637 0 1,462
Disney Walt Co. Common Stock 254687106 1,375 14,229 SH   SOLE   9,339 0 4,890
Dominion Energy Inc. Common Stock 25746U109 212 2,941 SH   SOLE   2,741 0 200
Duke Energy Holding Corp. Common Stock 26441C204 835 10,319 SH   SOLE   7,118 0 3,201
Eaton Corp. Common Stock G29183103 634 8,160 SH   SOLE   6,524 0 1,636
Eli Lilly Co. Common Stock 532457108 507 3,658 SH   SOLE   3,508 0 150
Emerson Electric Co. Common Stock 291011104 338 7,095 SH   SOLE   6,445 0 650
Enbridge Inc. Int'l Common Stock 29250N105 876 30,128 SH   SOLE   14,093 0 16,035
ESSA BANCORP INC Common Stock 29667D104 205 15,000 SH   SOLE   15,000 0 0
Exxon Mobil Corp. Common Stock 30231G102 878 23,111 SH   SOLE   18,612 450 4,049
Fed Ex Corp. Common Stock 31428X106 421 3,475 SH   SOLE   1,803 0 1,672
First Financial Bancorp Common Stock 320209109 260 17,446 SH   SOLE   17,446 0 0
Fiserv Inc. Common Stock 337738108 208 2,185 SH   SOLE   2,185 0 0
General Mills Inc. Common Stock 370334104 827 15,670 SH   SOLE   12,906 700 2,064
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 745 8,408 SH   SOLE   8,408 0 0
Hershey Company Common Stock 427866108 1,136 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 598 3,202 SH   SOLE   2,914 0 288
Honeywell International Inc. Common Stock 438516106 733 5,480 SH   SOLE   4,774 0 706
Illinois Tool Works Inc. Common Stock 452308109 369 2,598 SH   SOLE   1,028 0 1,570
Intel Corp. Common Stock 458140100 2,434 44,983 SH   SOLE   31,189 800 12,994
International Business Machines Corp. Common Stock 459200101 225 2,027 SH   SOLE   1,547 0 480
INVESTORS BANCORP INC NEW Common Stock 46146L101 84 10,455 SH   SOLE   10,455 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 814 3,149 SH   SOLE   2,174 0 975
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 440 3,816 SH   SOLE   3,666 0 150
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 2,305 56,963 SH   SOLE   51,624 0 5,339
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 8,009 160,528 SH   SOLE   146,467 3,075 10,986
IShares NASDAQ Biotechnology TR Exchange Traded Fund 464287556 439 4,075 SH   SOLE   3,825 250 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 1,752 12,176 SH   SOLE   9,346 250 2,580
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,049 18,704 SH   SOLE   17,114 650 940
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 1,975 34,525 SH   SOLE   33,005 0 1,520
IShares TR Min Vol USA ETF Exchange Traded Fund 46429B697 3,628 67,175 SH   SOLE   59,824 3,000 4,351
IShares TR MSCI EAFE ETF International Equity ETF 464287465 858 16,058 SH   SOLE   14,643 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 206 6,041 SH   SOLE   6,041 0 0
IShares TR MSCI Min Vol EAFE ETF Exchange Traded Fund 46429B689 500 8,050 SH   SOLE   7,122 0 928
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 208 1,381 SH   SOLE   423 0 958
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 548 4,790 SH   SOLE   4,615 0 175
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,119 14,287 SH   SOLE   12,887 1,100 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 710 16,442 SH   SOLE   12,897 0 3,545
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 517 4,253 SH   SOLE   4,253 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 323 5,045 SH   SOLE   5,045 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 214 2,913 SH   SOLE   1,759 0 1,154
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 598 5,070 SH   SOLE   4,930 0 140
Johnson & Johnson Common Stock 478160104 2,219 16,922 SH   SOLE   13,830 250 2,842
JP Morgan Chase Co. Common Stock 46625H100 1,288 14,306 SH   SOLE   11,577 0 2,729
KEYCORP NEW Common Stock 493267108 343 33,116 SH   SOLE   33,116 0 0
Kroger Co. Common Stock 501044101 297 9,871 SH   SOLE   7,696 0 2,175
Lam Research Corp. Common Stock 512807108 679 2,828 SH   SOLE   2,315 150 363
LCNB Corp. Common Stock 50181P100 3,516 279,010 SH   SOLE   268,810 0 10,200
LCNB Corp. Common Stock 50181P100 3,476 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 407 2,352 SH   SOLE   699 0 1,653
Lockheed Martin Corp. Common Stock 539830109 1,041 3,072 SH   SOLE   2,865 100 107
Lowes Co Inc. Common Stock 548661107 1,078 12,523 SH   SOLE   8,577 0 3,946
Mastercard Inc. Common Stock 57636Q104 646 2,674 SH   SOLE   1,245 0 1,429
McCormick Co Inc. Common Stock 579780206 376 2,665 SH   SOLE   2,415 0 250
McDonalds Corp. Common Stock 580135101 981 5,933 SH   SOLE   4,875 0 1,058
Medtronic PLC Int'l Common Stock G5960L103 488 5,414 SH   SOLE   4,185 0 1,229
Merck and Co Inc. Common Stock 58933Y105 840 10,920 SH   SOLE   10,062 0 858
Microsoft Corp. Common Stock 594918104 5,383 34,135 SH   SOLE   25,543 0 8,592
NextEra Energy Inc. Common Stock 65339F101 611 2,538 SH   SOLE   2,058 0 480
Nike Inc. Common Stock 654106103 1,123 13,577 SH   SOLE   11,289 0 2,288
Norfolk Southern Corp. Common Stock 655844108 344 2,355 SH   SOLE   1,635 0 720
Novartis AG ADR Int'l Common Stock 66987V109 1,033 12,525 SH   SOLE   9,534 450 2,541
NVIDIA Corp. Common Stock 67066G104 223 846 SH   SOLE   796 0 50
Oracle Corporation Common Stock 68389X105 461 9,539 SH   SOLE   7,941 0 1,598
PayPal Holdings Inc. Common Stock 70450Y103 293 3,058 SH   SOLE   2,458 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 150 13,595 SH   SOLE   13,595 0 0
Pepsico Inc. Common Stock 713448108 1,857 15,463 SH   SOLE   12,379 0 3,084
Pfizer Inc. Common Stock 717081103 1,110 33,994 SH   SOLE   29,100 1,000 3,894
PNC Financial Services Group Inc. Common Stock 693475105 235 2,456 SH   SOLE   2,113 0 343
Procter & Gamble Co. Common Stock 742718109 7,266 66,056 SH   SOLE   62,732 400 2,924
Procter & Gamble Co. Common Stock 742718109 176 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 201 3,864 SH   SOLE   3,039 200 625
Regions Financial Corp. Common Stock 7591EP100 91 10,104 SH   SOLE   9,104 0 1,000
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 3,151 39,558 SH   SOLE   38,234 0 1,324
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 3,068 69,296 SH   SOLE   67,030 0 2,266
Southern Co. Common Stock 842587107 512 9,466 SH   SOLE   8,619 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 379 2,562 SH   SOLE   2,125 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 2,626 10,190 SH   SOLE   10,190 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 507 1,930 SH   SOLE   1,825 0 105
Starbucks Corp. Common Stock 855244109 928 14,120 SH   SOLE   11,579 0 2,541
Stryker Corp. Common Stock 863667101 205 1,229 SH   SOLE   839 0 390
T Rowe Price Group Inc. Common Stock 74144T108 759 7,768 SH   SOLE   5,985 284 1,499
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,110 13,810 SH   SOLE   13,810 0 0
Texas Instruments Inc. Common Stock 882508104 286 2,864 SH   SOLE   2,191 0 673
TFS FINL CORP Common Stock 87240R107 302 19,800 SH   SOLE   19,800 0 0
TJX Companies Inc. Common Stock 872540109 875 18,306 SH   SOLE   7,891 0 10,415
Tractor Supply Co. Common Stock 892356106 232 2,745 SH   SOLE   2,360 0 385
U.S. Bancorp Common Stock 902973304 1,622 47,097 SH   SOLE   36,271 800 10,026
Union Pacific Corp. Common Stock 907818108 251 1,777 SH   SOLE   1,684 0 93
United Parcel Service Inc Common Stock 911312106 532 5,696 SH   SOLE   4,690 296 710
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 325 4,587 SH   SOLE   1,942 0 2,645
Vanguard Intermediate Term Bond Index Fund Inc. Fixed Income ETF 921937819 1,441 16,135 SH   SOLE   14,935 0 1,200
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102 2,082 33,399 SH   SOLE   32,217 0 1,182
Verizon Communications Inc. Common Stock 92343V104 1,004 18,685 SH   SOLE   12,365 519 5,801
Verizon Communications Inc. Common Stock 92343V104 88 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 391 2,425 SH   SOLE   2,032 0 393
Walmart Inc. Common Stock 931142103 348 3,064 SH   SOLE   2,714 0 350
Welltower Inc. Common Stock 95040Q104 207 4,522 SH   SOLE   4,158 0 364
WestRock Co. Common Stock 96145D105 267 9,437 SH   SOLE   9,187 0 250
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 892 11,389 SH   SOLE   7,744 750 2,895