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 624 3,558 SH   SOLE   2,808 0 750
Abbott Laboratories Common Stock 002824100 2,055 17,393 SH   SOLE   11,364 150 5,879
Abbvie Inc. Common Stock 00287Y109 655 6,072 SH   SOLE   3,138 0 2,934
Accenture PLC Int'l Common Stock G1151C101 1,260 3,937 SH   SOLE   2,146 0 1,791
Alibaba Group Holding Ltd Int'l Common Stock 01609W102 423 2,855 SH   SOLE   2,605 0 250
Alphabet Inc. Common Stock 02079K107 3,697 1,387 SH   SOLE   1,010 40 337
Alphabet Inc. Common Stock 02079K305 3,570 1,336 SH   SOLE   1,126 0 210
Amazon.com Inc Common Stock 023135106 2,037 620 SH   SOLE   595 0 25
American Express Co. Common Stock 025816109 264 1,577 SH   SOLE   1,482 0 95
American Tower REIT Common Stock 03027X100 204 770 SH   SOLE   407 0 363
Amgen Inc. Common Stock 031162100 1,175 5,525 SH   SOLE   3,105 0 2,420
Analog Devices Inc. Common Stock 032654105 581 3,469 SH   SOLE   1,836 0 1,633
Apple Inc. Common Stock 037833100 5,095 36,007 SH   SOLE   25,020 300 10,687
AT&T Inc. Common Stock 00206R102 851 31,518 SH   SOLE   26,829 0 4,689
Automatic Data Processing Common Stock 053015103 1,096 5,481 SH   SOLE   3,969 0 1,512
Bank of America Corp. Common Stock 060505104 529 12,453 SH   SOLE   11,182 0 1,271
Baxter International Inc. Common Stock 071813109 581 7,220 SH   SOLE   3,615 0 3,605
Berkshire Hathaway Inc. Common Stock 084670702 1,150 4,212 SH   SOLE   1,809 0 2,403
Blackrock Inc. Common Stock 09247X101 722 861 SH   SOLE   626 100 135
Boeing Co. Common Stock 097023105 651 2,959 SH   SOLE   2,469 0 490
Booking Holdings Inc. Common Stock 09857L108 259 109 SH   SOLE   69 20 20
Bristol-Myers Squibb Co Common Stock 110122108 521 8,811 SH   SOLE   5,720 0 3,091
Broadcom Ltd. Common Stock 11135F101 1,487 3,066 SH   SOLE   2,407 200 459
C H Robinson Worldwide Inc. Common Stock 12541W209 601 6,910 SH   SOLE   6,610 0 300
Cardinal Health Inc. Common Stock 14149Y108 406 8,201 SH   SOLE   7,275 0 926
Caterpillar Inc. Common Stock 149123101 446 2,325 SH   SOLE   2,027 0 298
Chevron Corporation Common Stock 166764100 1,809 17,836 SH   SOLE   17,426 0 410
Chubb Ltd Common Stock H1467J104 261 1,506 SH   SOLE   243 0 1,263
Cigna Corp. Common Stock 125523100 211 1,056 SH   SOLE   1,056 0 0
Cincinnati Financial Corp Common Stock 172062101 2,875 25,172 SH   SOLE   25,172 0 0
Cintas Corp. Common Stock 172908105 563 1,480 SH   SOLE   1,480 0 0
Cisco Systems Inc. Common Stock 17275R102 951 17,476 SH   SOLE   16,690 0 786
Citigroup Inc. Common Stock 172967424 599 8,539 SH   SOLE   7,171 700 668
Coca-Cola Company Common Stock 191216100 889 16,952 SH   SOLE   15,304 0 1,648
Comcast Corp. Common Stock 20030N101 284 5,077 SH   SOLE   4,000 0 1,077
Concentrix Corp Common Stock 20602D101 241 1,364 SH   SOLE   1,364 0 0
Cullen Frost Bankers Inc Common Stock 229899109 320 2,700 SH   SOLE   400 0 2,300
CVS Health Corporation Common Stock 126650100 312 3,672 SH   SOLE   3,022 0 650
Danaher Corp. Common Stock 235851102 613 2,013 SH   SOLE   1,713 300 0
Deere & Co. Common Stock 244199105 553 1,649 SH   SOLE   803 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205 378 1,959 SH   SOLE   577 0 1,382
Disney Walt Co. Common Stock 254687106 2,462 14,552 SH   SOLE   10,215 0 4,337
Dominion Energy Inc. Common Stock 25746U109 275 3,763 SH   SOLE   3,563 0 200
Duke Energy Holding Corp. Common Stock 26441C204 1,109 11,363 SH   SOLE   8,295 0 3,068
Eaton Corp. Int'l Common Stock G29183103 1,122 7,515 SH   SOLE   6,454 0 1,061
Ecolab Inc. Common Stock 278865100 204 977 SH   SOLE   920 0 57
Eli Lilly Co. Common Stock 532457108 572 2,475 SH   SOLE   2,325 0 150
Emerson Electric Co. Common Stock 291011104 684 7,257 SH   SOLE   6,407 0 850
Enbridge Inc. Int'l Common Stock 29250N105 1,056 26,525 SH   SOLE   10,834 0 15,691
ESSA BANCORP INC Common Stock 29667D104 247 15,000 SH   SOLE   15,000 0 0
Exxon Mobil Corp. Common Stock 30231G102 700 11,907 SH   SOLE   10,661 0 1,246
FactSet Research Systems Inc. Common Stock 303075105 210 531 SH   SOLE   531 0 0
Fed Ex Corp. Common Stock 31428X106 667 3,042 SH   SOLE   1,505 0 1,537
Fifth Third Bancorp Common Stock 316773100 227 5,350 SH   SOLE   496 0 4,854
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 587 15,650 SH   SOLE   15,650 0 0
First Financial Bancorp Common Stock 320209109 484 20,696 SH   SOLE   20,696 0 0
Fiserv Inc. Common Stock 337738108 236 2,175 SH   SOLE   2,175 0 0
General Dynamics Corp. Common Stock 369550108 263 1,343 SH   SOLE   1,343 0 0
General Mills Inc. Common Stock 370334104 981 16,398 SH   SOLE   14,184 700 1,514
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 1,435 82,203 SH   SOLE   75,010 2,821 4,372
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 1,060 8,325 SH   SOLE   8,325 0 0
Hershey Company Common Stock 427866108 1,450 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 984 2,998 SH   SOLE   2,849 0 149
Honeywell International Inc. Common Stock 438516106 1,071 5,045 SH   SOLE   4,559 0 486
Illinois Tool Works Inc. Common Stock 452308109 577 2,793 SH   SOLE   1,453 0 1,340
Intel Corp. Common Stock 458140100 1,969 36,957 SH   SOLE   31,401 800 4,756
International Business Machines Corp. Common Stock 459200101 363 2,611 SH   SOLE   2,206 0 405
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 633 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 6,600 44,056 SH   SOLE   37,660 3,000 3,396
INVESTORS BANCORP INC NEW Common Stock 46146L101 158 10,455 SH   SOLE   10,455 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556 537 3,320 SH   SOLE   3,070 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 904 2,098 SH   SOLE   2,098 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 276 2,404 SH   SOLE   2,404 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 1,286 17,492 SH   SOLE   14,967 0 2,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 2,981 48,260 SH   SOLE   45,310 0 2,950
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 13,980 188,289 SH   SOLE   173,027 3,264 11,998
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 250 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 258 2,560 SH   SOLE   2,560 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,649 10,068 SH   SOLE   8,718 0 1,350
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,856 16,997 SH   SOLE   15,427 650 920
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,451 24,910 SH   SOLE   24,160 0 750
IShares TR MSCI EAFE ETF International Equity ETF 464287465 917 11,758 SH   SOLE   10,343 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 301 5,983 SH   SOLE   5,983 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 352 1,284 SH   SOLE   326 0 958
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 918 4,195 SH   SOLE   4,045 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,910 11,417 SH   SOLE   11,017 100 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 1,087 13,903 SH   SOLE   10,874 0 3,029
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 558 4,980 SH   SOLE   4,980 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 323 2,853 SH   SOLE   2,853 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 253 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 457 3,580 SH   SOLE   3,580 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 323 4,885 SH   SOLE   3,185 1,000 700
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 277 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 2,702 16,730 SH   SOLE   13,938 250 2,542
JP Morgan Chase Co. Common Stock 46625H100 2,312 14,125 SH   SOLE   12,271 0 1,854
Kansas City Southern Common Stock 485170302 210 776 SH   SOLE   126 0 650
Kroger Co. Common Stock 501044101 644 15,934 SH   SOLE   14,259 0 1,675
Lam Research Corp. Common Stock 512807108 1,220 2,144 SH   SOLE   1,876 100 168
LCNB Corp. Common Stock 50181P100 3,738 213,848 SH   SOLE   203,648 0 10,200
LCNB Corp. Common Stock 50181P100 4,822 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 565 1,927 SH   SOLE   444 0 1,483
Lockheed Martin Corp. Common Stock 539830109 1,038 3,009 SH   SOLE   2,802 100 107
Lowes Co Inc. Common Stock 548661107 2,248 11,083 SH   SOLE   8,197 0 2,886
Mastercard Inc. Common Stock 57636Q104 778 2,237 SH   SOLE   1,071 0 1,166
McCormick Co Inc. Common Stock 579780206 369 4,550 SH   SOLE   4,050 0 500
McDonalds Corp. Common Stock 580135101 1,269 5,263 SH   SOLE   4,280 0 983
Medtronic PLC Int'l Common Stock G5960L103 630 5,024 SH   SOLE   3,910 0 1,114
Merck and Co Inc. Common Stock 58933Y105 928 12,359 SH   SOLE   11,301 0 1,058
Microsoft Corp. Common Stock 594918104 8,068 28,619 SH   SOLE   21,206 0 7,413
Mondelez International Inc Common Stock 609207105 521 8,952 SH   SOLE   8,109 0 843
Morgan Stanley Common Stock 617446448 218 2,244 SH   SOLE   2,244 0 0
NextEra Energy Inc. Common Stock 65339F101 761 9,696 SH   SOLE   8,446 0 1,250
Nike Inc. Common Stock 654106103 1,731 11,916 SH   SOLE   9,753 0 2,163
Norfolk Southern Corp. Common Stock 655844108 485 2,028 SH   SOLE   1,408 0 620
Novartis AG ADR Int'l Common Stock 66987V109 975 11,924 SH   SOLE   9,258 450 2,216
Nvidia Corp Common Stock 67066G104 650 3,136 SH   SOLE   2,936 0 200
NXP Semiconductors Int'l Common Stock N6596X109 247 1,260 SH   SOLE   1,260 0 0
Oracle Corporation Common Stock 68389X105 677 7,771 SH   SOLE   6,683 0 1,088
PayPal Holdings Inc. Common Stock 70450Y103 684 2,630 SH   SOLE   2,180 300 150
Pepsico Inc. Common Stock 713448108 2,164 14,388 SH   SOLE   11,754 0 2,634
Pfizer Inc. Common Stock 717081103 1,483 34,476 SH   SOLE   30,092 1,000 3,384
PNC Financial Services Group Inc. Common Stock 693475105 461 2,356 SH   SOLE   2,113 0 243
Procter & Gamble Co. Common Stock 742718109 7,499 53,639 SH   SOLE   50,625 400 2,614
Procter & Gamble Co. Common Stock 742718109 224 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 661 6,279 SH   SOLE   5,654 200 425
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 172 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 245 11,504 SH   SOLE   10,504 0 1,000
Roku Inc. Common Stock 77543R102 347 1,107 SH   SOLE   1,107 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 6,776 45,758 SH   SOLE   44,534 0 1,224
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 6,332 93,830 SH   SOLE   91,134 0 2,696
Southern Co. Common Stock 842587107 455 7,343 SH   SOLE   6,496 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 998 6,077 SH   SOLE   5,340 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 4,203 9,795 SH   SOLE   9,795 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 945 1,965 SH   SOLE   1,865 0 100
Starbucks Corp. Common Stock 855244109 1,479 13,411 SH   SOLE   11,271 500 1,640
Stryker Corp. Common Stock 863667101 305 1,157 SH   SOLE   977 0 180
Sysco Corp. Common Stock 871829107 221 2,815 SH   SOLE   2,240 0 575
T Rowe Price Group Inc. Common Stock 74144T108 1,453 7,387 SH   SOLE   6,304 284 799
Target Corporation Common Stock 87612E106 253 1,108 SH   SOLE   996 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,866 12,495 SH   SOLE   12,495 0 0
Tesla Inc. Common Stock 88160R101 1,398 1,803 SH   SOLE   1,803 0 0
Texas Instruments Inc. Common Stock 882508104 429 2,233 SH   SOLE   1,777 0 456
TFS FINL CORP Common Stock 87240R107 248 13,000 SH   SOLE   13,000 0 0
TJX Companies Inc. Common Stock 872540109 1,244 18,856 SH   SOLE   8,441 0 10,415
Tractor Supply Co. Common Stock 892356106 519 2,560 SH   SOLE   2,420 0 140
U.S. Bancorp Common Stock 902973304 2,511 42,243 SH   SOLE   37,727 800 3,716
Union Pacific Corp. Common Stock 907818108 348 1,777 SH   SOLE   1,684 0 93
United Parcel Service Inc Common Stock 911312106 974 5,350 SH   SOLE   4,536 296 518
United/Raytheon Technologies Corp Common Stock 75513E101 601 6,989 SH   SOLE   5,054 287 1,648
V F Corp. Common Stock 918204108 225 3,366 SH   SOLE   1,941 0 1,425
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 430 4,165 SH   SOLE   1,520 0 2,645
Vanguard Intermediate Term Bond Index Fund Inc. Fixed Income ETF 921937819 1,199 13,410 SH   SOLE   13,310 0 100
Vanguard International Equity Index Fund International Equity ETF 922042858 277 5,545 SH   SOLE   5,390 0 155
Verizon Communications Inc. Common Stock 92343V104 873 16,155 SH   SOLE   9,913 519 5,723
Verizon Communications Inc. Common Stock 92343V104 89 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 334 1,499 SH   SOLE   1,165 0 334
Walmart Inc. Common Stock 931142103 634 4,546 SH   SOLE   4,046 0 500
Welltower Inc. Common Stock 95040Q104 376 4,560 SH   SOLE   4,241 0 319
WestRock Co. Common Stock 96145D105 975 19,564 SH   SOLE   18,989 0 575
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,059 9,019 SH   SOLE   6,519 400 2,100