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
Estimated average burden
hours per response: 23.8
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 3,143 SH   SOLE   2,393 0 750
Abbott Laboratories Common Stock 002824100 2,043 17,624 SH   SOLE   11,595 150 5,879
Abbvie Inc. Common Stock 00287Y109 684 6,072 SH   SOLE   3,138 0 2,934
Accenture PLC Int'l Common Stock G1151C101 1,162 3,941 SH   SOLE   2,146 0 1,795
Alibaba Group Holding Ltd Int'l Common Stock 01609W102 557 2,455 SH   SOLE   2,205 0 250
Alphabet Inc. Common Stock 02079K107 3,491 1,393 SH   SOLE   1,016 40 337
Alphabet Inc. Common Stock 02079K305 3,296 1,350 SH   SOLE   1,122 0 228
Amazon.com Inc Common Stock 023135106 2,105 612 SH   SOLE   587 0 25
American Express Co. Common Stock 025816109 261 1,577 SH   SOLE   1,482 0 95
American Tower REIT Common Stock 03027X100 213 790 SH   SOLE   427 0 363
Amgen Inc. Common Stock 031162100 1,327 5,445 SH   SOLE   3,025 0 2,420
Analog Devices Inc. Common Stock 032654105 597 3,469 SH   SOLE   1,836 0 1,633
Apple Inc. Common Stock 037833100 4,882 35,644 SH   SOLE   24,482 300 10,862
AT&T Inc. Common Stock 00206R102 913 31,707 SH   SOLE   26,858 0 4,849
Automatic Data Processing Common Stock 053015103 1,089 5,481 SH   SOLE   3,969 0 1,512
Bank of America Corp. Common Stock 060505104 478 11,598 SH   SOLE   10,327 0 1,271
Baxter International Inc. Common Stock 071813109 588 7,310 SH   SOLE   3,705 0 3,605
Berkshire Hathaway Inc. Common Stock 084670702 1,171 4,212 SH   SOLE   1,809 0 2,403
Blackrock Inc. Common Stock 09247X101 771 881 SH   SOLE   646 100 135
Boeing Co. Common Stock 097023105 661 2,759 SH   SOLE   2,269 0 490
Booking Holdings Inc. Common Stock 09857L108 247 113 SH   SOLE   71 20 22
Bristol-Myers Squibb Co Common Stock 110122108 606 9,071 SH   SOLE   5,880 0 3,191
Broadcom Ltd. Common Stock 11135F101 1,467 3,076 SH   SOLE   2,417 200 459
C H Robinson Worldwide Inc. Common Stock 12541W209 636 6,785 SH   SOLE   6,485 0 300
Cardinal Health Inc. Common Stock 14149Y108 400 7,001 SH   SOLE   6,075 0 926
Caterpillar Inc. Common Stock 149123101 516 2,370 SH   SOLE   2,027 0 343
Chevron Corporation Common Stock 166764100 1,941 18,527 SH   SOLE   18,117 0 410
Chubb Ltd Common Stock H1467J104 239 1,506 SH   SOLE   243 0 1,263
Cigna Corp. Common Stock 125523100 207 875 SH   SOLE   875 0 0
Cincinnati Financial Corp Common Stock 172062101 3,068 26,306 SH   SOLE   26,306 0 0
Cintas Corp. Common Stock 172908105 571 1,495 SH   SOLE   1,495 0 0
Cisco Systems Inc. Common Stock 17275R102 815 15,376 SH   SOLE   14,590 0 786
Citigroup Inc. Common Stock 172967424 536 7,574 SH   SOLE   6,206 700 668
Coca-Cola Company Common Stock 191216100 940 17,377 SH   SOLE   15,579 0 1,798
Comcast Corp. Common Stock 20030N101 295 5,177 SH   SOLE   4,100 0 1,077
Concentrix Corp Common Stock 20602D101 219 1,364 SH   SOLE   1,364 0 0
CULLEN FROST BANKERS INC Common Stock 229899109 302 2,700 SH   SOLE   400 0 2,300
CVS Health Corporation Common Stock 126650100 290 3,477 SH   SOLE   2,827 0 650
Danaher Corp. Common Stock 235851102 535 1,993 SH   SOLE   1,693 300 0
Deere & Co. Common Stock 244199105 587 1,665 SH   SOLE   819 0 846
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 376 1,959 SH   SOLE   577 0 1,382
Disney Walt Co. Common Stock 254687106 2,545 14,478 SH   SOLE   10,066 0 4,412
Dominion Energy Inc. Common Stock 25746U109 218 2,963 SH   SOLE   2,763 0 200
Duke Energy Holding Corp. Common Stock 26441C204 1,013 10,261 SH   SOLE   7,163 0 3,098
DuPont de Nemours Inc. Common Stock 26614N102 205 2,642 SH   SOLE   2,609 0 33
Eaton Corp. Int'l Common Stock G29183103 1,136 7,664 SH   SOLE   6,528 0 1,136
Ecolab Inc. Common Stock 278865100 200 972 SH   SOLE   915 0 57
Eli Lilly Co. Common Stock 532457108 614 2,675 SH   SOLE   2,425 0 250
Emerson Electric Co. Common Stock 291011104 727 7,552 SH   SOLE   6,552 0 1,000
Enbridge Inc. Int'l Common Stock 29250N105 1,062 26,525 SH   SOLE   10,834 0 15,691
ESSA BANCORP INC Common Stock 29667D104 246 15,000 SH   SOLE   15,000 0 0
Exxon Mobil Corp. Common Stock 30231G102 763 12,096 SH   SOLE   10,550 0 1,546
Fed Ex Corp. Common Stock 31428X106 882 2,958 SH   SOLE   1,421 0 1,537
Fifth Third Bancorp Common Stock 316773100 205 5,350 SH   SOLE   496 0 4,854
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 420 11,450 SH   SOLE   11,450 0 0
First Financial Bancorp Common Stock 320209109 489 20,696 SH   SOLE   20,696 0 0
Fiserv Inc. Common Stock 337738108 232 2,175 SH   SOLE   2,175 0 0
General Dynamics Corp. Common Stock 369550108 258 1,372 SH   SOLE   1,372 0 0
General Mills Inc. Common Stock 370334104 978 16,048 SH   SOLE   13,834 700 1,514
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 925 52,572 SH   SOLE   50,665 0 1,907
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 1,049 8,325 SH   SOLE   8,325 0 0
Hershey Company Common Stock 427866108 1,493 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 966 3,028 SH   SOLE   2,879 0 149
Honeywell International Inc. Common Stock 438516106 1,116 5,086 SH   SOLE   4,600 0 486
Illinois Tool Works Inc. Common Stock 452308109 624 2,793 SH   SOLE   1,453 0 1,340
Intel Corp. Common Stock 458140100 2,075 36,967 SH   SOLE   30,786 800 5,381
International Business Machines Corp. Common Stock 459200101 368 2,511 SH   SOLE   2,036 0 475
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 626 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 6,222 41,280 SH   SOLE   34,910 3,000 3,370
INVESTORS BANCORP INC NEW Common Stock 46146L101 149 10,455 SH   SOLE   10,455 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556 584 3,570 SH   SOLE   3,320 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 917 2,133 SH   SOLE   2,133 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 315 2,729 SH   SOLE   2,729 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 1,230 16,711 SH   SOLE   14,186 0 2,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 3,327 49,662 SH   SOLE   46,712 0 2,950
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 13,463 179,836 SH   SOLE   164,998 3,264 11,574
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 254 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 270 2,560 SH   SOLE   2,560 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,792 10,388 SH   SOLE   9,038 0 1,350
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 2,050 18,147 SH   SOLE   16,577 650 920
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 3,280 33,210 SH   SOLE   32,460 0 750
IShares TR MSCI EAFE ETF International Equity ETF 464287465 961 12,185 SH   SOLE   10,770 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 339 6,141 SH   SOLE   6,141 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 348 1,284 SH   SOLE   326 0 958
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 756 3,295 SH   SOLE   3,120 0 175
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,973 11,617 SH   SOLE   11,217 100 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 1,161 14,655 SH   SOLE   11,434 0 3,221
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 564 4,980 SH   SOLE   4,980 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 328 2,853 SH   SOLE   2,853 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 257 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 625 4,880 SH   SOLE   4,880 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 338 4,885 SH   SOLE   3,185 1,000 700
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 276 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 2,689 16,325 SH   SOLE   13,483 250 2,592
JP Morgan Chase Co. Common Stock 46625H100 2,098 13,490 SH   SOLE   11,636 0 1,854
Kansas City Southern Common Stock 485170302 220 776 SH   SOLE   126 0 650
Kroger Co. Common Stock 501044101 588 15,350 SH   SOLE   13,675 0 1,675
Lam Research Corp. Common Stock 512807108 1,417 2,178 SH   SOLE   1,910 100 168
LCNB Corp. Common Stock 50181P100 4,115 251,348 SH   SOLE   241,148 0 10,200
LCNB Corp. Common Stock 50181P100 4,516 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 557 1,927 SH   SOLE   444 0 1,483
Lockheed Martin Corp. Common Stock 539830109 1,106 2,924 SH   SOLE   2,717 100 107
Lowes Co Inc. Common Stock 548661107 2,174 11,206 SH   SOLE   8,305 0 2,901
Mastercard Inc. Common Stock 57636Q104 815 2,231 SH   SOLE   1,065 0 1,166
McCormick Co Inc. Common Stock 579780206 428 4,850 SH   SOLE   4,350 0 500
McDonalds Corp. Common Stock 580135101 1,239 5,363 SH   SOLE   4,380 0 983
Medtronic PLC Int'l Common Stock G5960L103 623 5,019 SH   SOLE   3,755 0 1,264
Merck and Co Inc. Common Stock 58933Y105 884 11,369 SH   SOLE   10,511 0 858
Microsoft Corp. Common Stock 594918104 7,996 29,517 SH   SOLE   21,929 0 7,588
Mondelez International Inc Common Stock 609207105 431 6,903 SH   SOLE   6,159 0 744
Morgan Stanley Common Stock 617446448 206 2,244 SH   SOLE   2,244 0 0
NextEra Energy Inc. Common Stock 65339F101 718 9,792 SH   SOLE   8,542 0 1,250
Nike Inc. Common Stock 654106103 1,860 12,041 SH   SOLE   9,878 0 2,163
Norfolk Southern Corp. Common Stock 655844108 538 2,028 SH   SOLE   1,408 0 620
Novartis AG ADR Int'l Common Stock 66987V109 1,102 12,073 SH   SOLE   9,407 450 2,216
Nvidia Corp Common Stock 67066G104 622 778 SH   SOLE   728 0 50
NXP Semiconductors Int'l Common Stock N6596X109 218 1,060 SH   SOLE   1,060 0 0
Oracle Corporation Common Stock 68389X105 613 7,871 SH   SOLE   6,783 0 1,088
PayPal Holdings Inc. Common Stock 70450Y103 762 2,613 SH   SOLE   2,163 300 150
Pepsico Inc. Common Stock 713448108 2,138 14,428 SH   SOLE   11,794 0 2,634
Pfizer Inc. Common Stock 717081103 1,278 32,646 SH   SOLE   28,262 1,000 3,384
Phillips 66 Common Stock 718546104 248 2,890 SH   SOLE   2,730 0 160
PNC Financial Services Group Inc. Common Stock 693475105 449 2,356 SH   SOLE   2,113 0 243
Procter & Gamble Co. Common Stock 742718109 7,261 53,816 SH   SOLE   50,702 400 2,714
Procter & Gamble Co. Common Stock 742718109 216 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 643 6,275 SH   SOLE   5,650 200 425
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 180 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 226 11,204 SH   SOLE   10,204 0 1,000
Roku Inc. Common Stock 77543R102 485 1,055 SH   SOLE   1,055 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 6,808 46,644 SH   SOLE   45,270 0 1,374
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 5,771 84,411 SH   SOLE   81,841 0 2,570
Southern Co. Common Stock 842587107 540 8,918 SH   SOLE   8,071 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 1,493 9,017 SH   SOLE   7,730 300 987
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 4,271 9,978 SH   SOLE   9,978 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 965 1,965 SH   SOLE   1,865 0 100
Starbucks Corp. Common Stock 855244109 1,490 13,323 SH   SOLE   11,183 500 1,640
Stryker Corp. Common Stock 863667101 262 1,007 SH   SOLE   827 0 180
Sysco Corp. Common Stock 871829107 232 2,990 SH   SOLE   2,240 0 750
T Rowe Price Group Inc. Common Stock 74144T108 1,474 7,448 SH   SOLE   6,365 284 799
Target Corporation Common Stock 87612E106 240 993 SH   SOLE   881 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,814 12,285 SH   SOLE   12,285 0 0
Tesla Inc. Common Stock 88160R101 1,223 1,800 SH   SOLE   1,800 0 0
Texas Instruments Inc. Common Stock 882508104 442 2,299 SH   SOLE   1,843 0 456
TFS FINL CORP Common Stock 87240R107 264 13,000 SH   SOLE   13,000 0 0
TJX Companies Inc. Common Stock 872540109 1,283 19,029 SH   SOLE   8,614 0 10,415
Tractor Supply Co. Common Stock 892356106 476 2,560 SH   SOLE   2,420 0 140
U.S. Bancorp Common Stock 902973304 2,358 41,393 SH   SOLE   36,777 800 3,816
Union Pacific Corp. Common Stock 907818108 391 1,777 SH   SOLE   1,684 0 93
United Parcel Service Inc Common Stock 911312106 1,122 5,394 SH   SOLE   4,580 296 518
United/Raytheon Technologies Corp Common Stock 75513E101 599 7,024 SH   SOLE   5,054 287 1,683
V F Corp. Common Stock 918204108 285 3,469 SH   SOLE   2,044 0 1,425
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 436 4,165 SH   SOLE   1,520 0 2,645
Vanguard Intermediate Term Bond Index Fund Inc. Fixed Income ETF 921937819 1,227 13,635 SH   SOLE   13,535 0 100
Vanguard International Equity Index Fund International Equity ETF 922042858 301 5,545 SH   SOLE   5,390 0 155
Verizon Communications Inc. Common Stock 92343V104 908 16,206 SH   SOLE   9,964 519 5,723
Verizon Communications Inc. Common Stock 92343V104 92 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 341 1,459 SH   SOLE   1,077 0 382
Walmart Inc. Common Stock 931142103 538 3,816 SH   SOLE   3,466 0 350
Welltower Inc. Common Stock 95040Q104 393 4,735 SH   SOLE   4,416 0 319
WestRock Co. Common Stock 96145D105 1,021 19,188 SH   SOLE   18,613 0 575
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,116 9,419 SH   SOLE   6,919 400 2,100