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 292 1,777 SH   SOLE   1,046 0 731
3M CO Common Stock 88579Y101 3 17 SH   OTR   17 0 0
ABBOTT LABORATORIES Common Stock 002824100 1,622 19,383 SH   SOLE   12,754 150 6,479
ABBOTT LABORATORIES Common Stock 002824100 5 56 SH   OTR   56 0 0
ABBVIE INC Common Stock 00287Y109 445 5,874 SH   SOLE   2,815 0 3,059
ABBVIE INC Common Stock 00287Y109 4 56 SH   OTR   56 0 0
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 893 4,645 SH   SOLE   2,535 0 2,110
ALPHABET INC CL A Common Stock 02079K305 1,200 983 SH   SOLE   720 0 263
ALPHABET INC CL A Common Stock 02079K305 15 12 SH   OTR   12 0 0
ALPHABET INC CL C Common Stock 02079K107 1,664 1,365 SH   SOLE   961 40 364
AMAZON COM INC Common Stock 023135106 486 280 SH   SOLE   235 0 45
AMAZON COM INC Common Stock 023135106 9 5 SH   OTR   5 0 0
AMGEN INC Common Stock 031162100 873 4,510 SH   SOLE   1,980 0 2,530
ANALOG DEVICES INC Common Stock 032654105 383 3,432 SH   SOLE   1,799 0 1,633
APPLE INC Common Stock 037833100 3,386 15,116 SH   SOLE   11,015 200 3,901
APPLE INC Common Stock 037833100 16 70 SH   OTR   70 0 0
AT&T INC Common Stock 00206R102 945 24,963 SH   SOLE   19,224 0 5,739
AT&T INC Common Stock 00206R102 4 94 SH   OTR   94 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 900 5,576 SH   SOLE   3,858 0 1,718
BAXTER INTERNATIONAL INC Common Stock 071813109 709 8,100 SH   SOLE   3,995 0 4,105
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 943 4,532 SH   SOLE   1,642 0 2,890
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 4 17 SH   OTR   17 0 0
BLACKROCK INC Common Stock 09247X101 393 881 SH   SOLE   606 100 175
BOEING CO Common Stock 097023105 434 1,142 SH   SOLE   645 0 497
BOEING CO Common Stock 097023105 7 18 SH   OTR   18 0 0
BOOKING HOLDINGS INC Common Stock 09857L108 249 127 SH   SOLE   86 20 21
BOOKING HOLDINGS INC Common Stock 09857L108 10 5 SH   OTR   5 0 0
BRISTOL MYERS SQUIBB CO Common Stock 110122108 419 8,266 SH   SOLE   4,755 0 3,511
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 655 7,728 SH   SOLE   6,628 400 700
CATERPILLAR INC Common Stock 149123101 299 2,365 SH   SOLE   2,067 0 298
CHEVRON CORPORATION Common Stock 166764100 2,757 23,247 SH   SOLE   19,977 250 3,020
CHEVRON CORPORATION Common Stock 166764100 11 91 SH   OTR   91 0 0
CHUBB LIMITED Common Stock H1467J104 240 1,484 SH   SOLE   221 0 1,263
CINCINNATI FINL CORP Common Stock 172062101 3,516 30,136 SH   SOLE   29,956 0 180
CINTAS CORP Common Stock 172908105 469 1,750 SH   SOLE   1,750 0 0
CISCO SYSTEMS INC Common Stock 17275R102 751 15,193 SH   SOLE   14,157 0 1,036
CITIGROUP INC Common Stock 172967424 312 4,511 SH   SOLE   3,343 350 818
COCA COLA COMPANY Common Stock 191216100 832 15,282 SH   SOLE   13,544 0 1,738
COCA COLA COMPANY Common Stock 191216100 5 87 SH   OTR   87 0 0
COMCAST CORP CL A Common Stock 20030N101 328 7,287 SH   SOLE   5,950 0 1,337
COMCAST CORP CL A Common Stock 20030N101 6 126 SH   OTR   126 0 0
CULLEN FROST BANKERS INC Common Stock 229899109 282 3,190 SH   SOLE   400 0 2,790
CVS HEALTH CORPORATION Common Stock 126650100 234 3,710 SH   SOLE   2,980 0 730
CVS HEALTH CORPORATION Common Stock 126650100 2 30 SH   OTR   30 0 0
DANAHER CORP Common Stock 235851102 425 2,943 SH   SOLE   2,493 450 0
DBX ETF TR International Equity ETF 233051200 951 29,421 SH   SOLE   24,075 1,150 4,196
DEERE & CO Common Stock 244199105 345 2,044 SH   SOLE   669 0 1,375
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 343 2,099 SH   SOLE   637 0 1,462
DISNEY WALT CO Common Stock 254687106 1,695 13,008 SH   SOLE   8,291 0 4,717
DISNEY WALT CO Common Stock 254687106 4 29 SH   OTR   29 0 0
DOMINION ENERGY INC Common Stock 25746U109 235 2,895 SH   SOLE   2,395 375 125
DOW INC Common Stock 260557103 272 5,707 SH   SOLE   5,337 128 242
DOW INC Common Stock 260557103 4 85 SH   OTR   85 0 0
DUKE ENERGY HOLDING CORP Common Stock 26441C204 872 9,093 SH   SOLE   5,885 0 3,208
DUKE ENERGY HOLDING CORP Common Stock 26441C204 7 75 SH   OTR   75 0 0
DUPONT DE NEMOURS INC Common Stock 26614N102 443 6,209 SH   SOLE   5,839 128 242
EATON CORP PLC Int'l Common Stock G29183103 647 7,779 SH   SOLE   6,143 0 1,636
ECOLAB INC Common Stock 278865100 208 1,052 SH   SOLE   995 0 57
EMERSON ELECTRIC CO Common Stock 291011104 422 6,310 SH   SOLE   5,660 0 650
ENBRIDGE INC Int'l Common Stock 29250N105 1,084 30,906 SH   SOLE   14,871 0 16,035
ESSA BANCORP INC Common Stock 29667D104 246 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 223 4,613 SH   SOLE   4,265 0 348
EXXON MOBIL CORP Common Stock 30231G102 1,799 25,477 SH   SOLE   21,053 450 3,974
EXXON MOBIL CORP Common Stock 30231G102 7 94 SH   OTR   94 0 0
FED EX CORP Common Stock 31428X106 463 3,180 SH   SOLE   1,508 0 1,672
FIRST FINANCIAL BANCORP Common Stock 320209109 427 17,446 SH   SOLE   17,446 0 0
FISERV INC Common Stock 337738108 241 2,331 SH   SOLE   2,310 0 21
GENERAL MILLS INC Common Stock 370334104 794 14,397 SH   SOLE   11,733 700 1,964
GENERAL MILLS INC Common Stock 370334104 8 150 SH   OTR   150 0 0
GILEAD SCIENCES INC Common Stock 375558103 211 3,324 SH   SOLE   1,029 0 2,295
HERSHEY COMPANY Common Stock 427866108 1,328 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 658 2,838 SH   SOLE   2,529 0 309
HOME DEPOT INC Common Stock 437076102 9 37 SH   OTR   37 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 859 5,079 SH   SOLE   4,373 0 706
ILLINOIS TOOL WORKS INC Common Stock 452308109 410 2,623 SH   SOLE   1,053 0 1,570
INTEL CORP Common Stock 458140100 2,312 44,862 SH   SOLE   30,818 800 13,244
INTEL CORP Common Stock 458140100 5 100 SH   OTR   100 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 302 2,074 SH   SOLE   1,594 0 480
INVESTORS BANCORP INC NEW Common Stock 46146L101 119 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGING MARKETS ETF International Equity ETF 46434G103 4,682 95,517 SH   SOLE   86,021 1,700 7,796
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 319 5,625 SH   SOLE   5,225 0 400
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 10,436 170,892 SH   SOLE   156,205 3,075 11,612
ISHARES TR CORE S&P 500 ETF Exchange Traded Fund 464287200 863 2,890 SH   SOLE   1,975 0 915
ISHARES TR CORE S&P MCP ETF Exchange Traded Fund 464287507 2,691 13,926 SH   SOLE   10,896 250 2,780
ISHARES TR CORE S&P SCP ETF Exchange Traded Fund 464287804 1,515 19,469 SH   SOLE   17,879 650 940
ISHARES TR CORE S&P TTL STK Exchange Traded Fund 464287150 1,447 21,570 SH   SOLE   19,700 0 1,870
ISHARES TR CORE US AGG BD ETF Fixed Income ETF 464287226 390 3,447 SH   SOLE   3,297 0 150
ISHARES TR MIN VOL EAFE ETF Exchange Traded Fund 46429B689 711 9,698 SH   SOLE   8,756 0 942
ISHARES TR MIN VOL USA ETF Exchange Traded Fund 46429B697 3,322 51,821 SH   SOLE   46,369 1,500 3,952
ISHARES TR MSCI EAFE ETF International Equity ETF 464287465 1,012 15,525 SH   SOLE   14,110 0 1,415
ISHARES TR MSCI EMG MKT ETF International Equity ETF 464287234 235 5,756 SH   SOLE   5,756 0 0
ISHARES TR NASDAQ BIOTECH Exchange Traded Fund 464287556 435 4,374 SH   SOLE   4,124 250 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 226 1,414 SH   SOLE   456 0 958
ISHARES TR RUS MD CP GR ETF Exchange Traded Fund 464287481 550 3,891 SH   SOLE   3,891 0 0
ISHARES TR RUS MDCP VAL ETF Exchange Traded Fund 464287473 412 4,594 SH   SOLE   4,594 0 0
ISHARES TR RUS MID CAP ETF Exchange Traded Fund 464287499 940 16,797 SH   SOLE   13,252 0 3,545
ISHARES TR RUSSELL 2000 ETF Exchange Traded Fund 464287655 643 4,250 SH   SOLE   4,075 0 175
ISHARES TR RUSSELL 3000 ETF Exchange Traded Fund 464287689 2,617 15,062 SH   SOLE   13,662 1,100 300
ISHARES TR RUSSELL 3000 ETF Exchange Traded Fund 464287689 43 250 SH   OTR   250 0 0
ISHARES TR SELECT DIVID ETF Exchange Traded Fund 464287168 297 2,913 SH   SOLE   1,759 0 1,154
ISHARES TR SH TR CRPORT ETF Fixed Income ETF 464288646 512 9,540 SH   SOLE   9,540 0 0
ISHARES TR SP SMCP600VL ETF Exchange Traded Fund 464287879 273 1,818 SH   SOLE   1,618 0 200
ISHARES TR TIPS BD ETF Fixed Income ETF 464287176 569 4,890 SH   SOLE   4,750 0 140
ISHARES TR US HOME CONS ETF Exchange Traded Fund 464288752 235 5,435 SH   SOLE   3,935 1,000 500
J P MORGAN CHASE CO Common Stock 46625H100 1,731 14,708 SH   SOLE   12,099 0 2,609
JM SMUCKER CO THE Common Stock 832696405 301 2,739 SH   SOLE   2,539 0 200
JOHNSON & JOHNSON Common Stock 478160104 2,092 16,170 SH   SOLE   13,078 250 2,842
KEYCORP NEW Common Stock 493267108 591 33,116 SH   SOLE   33,116 0 0
KROGER CO Common Stock 501044101 220 8,535 SH   SOLE   6,460 0 2,075
KROGER CO Common Stock 501044101 6 250 SH   OTR   250 0 0
LAM RESEARCH CORP Common Stock 512807108 710 3,072 SH   SOLE   2,559 150 363
LCNB CORP Common Stock 50181P100 5,006 282,210 SH   SOLE   272,010 0 10,200
LCNB CORP Common Stock 50181P100 4,893 275,840 SH   OTR   275,840 0 0
LINDE PLC Int'l Common Stock G5494J103 544 2,808 SH   SOLE   1,155 0 1,653
LOCKHEED MARTIN CORP Common Stock 539830109 1,206 3,092 SH   SOLE   2,885 100 107
LOWES CO INC Common Stock 548661107 1,276 11,608 SH   SOLE   7,962 0 3,646
MASTERCARD INC Common Stock 57636Q104 840 3,094 SH   SOLE   1,590 0 1,504
MCCORMICK CO INC Common Stock 579780206 613 3,920 SH   SOLE   3,670 0 250
MCDONALDS CORP Common Stock 580135101 1,305 6,077 SH   SOLE   4,967 0 1,110
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 506 4,658 SH   SOLE   3,429 0 1,229
MERCK AND CO INC Common Stock 58933Y105 881 10,460 SH   SOLE   9,552 0 908
MERCK AND CO INC Common Stock 58933Y105 5 60 SH   OTR   60 0 0
MICROSOFT CORP Common Stock 594918104 4,775 34,342 SH   SOLE   25,807 0 8,535
MICROSOFT CORP Common Stock 594918104 21 150 SH   OTR   150 0 0
NEXTERA ENERGY INC Common Stock 65339F101 668 2,868 SH   SOLE   2,358 0 510
NIKE INC Common Stock 654106103 1,378 14,674 SH   SOLE   11,447 0 3,227
NIKE INC Common Stock 654106103 9 100 SH   OTR   100 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 423 2,355 SH   SOLE   1,635 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,132 13,025 SH   SOLE   10,034 450 2,541
ORACLE CORPORATION Common Stock 68389X105 814 14,789 SH   SOLE   9,011 0 5,778
PAYPAL HOLDINGS INC Common Stock 70450Y103 317 3,058 SH   SOLE   2,458 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 213 13,595 SH   SOLE   13,595 0 0
PEPSICO INC Common Stock 713448108 2,069 15,094 SH   SOLE   12,005 0 3,089
PFIZER INC Common Stock 717081103 1,122 31,240 SH   SOLE   26,816 1,000 3,424
PFIZER INC Common Stock 717081103 11 305 SH   OTR   305 0 0
PHILLIPS 66 Common Stock 718546104 449 4,384 SH   SOLE   4,114 0 270
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 344 2,456 SH   SOLE   2,113 0 343
PROCTER & GAMBLE CO Common Stock 742718109 8,981 72,206 SH   SOLE   68,850 400 2,956
PROCTER & GAMBLE CO Common Stock 742718109 199 1,600 SH   OTR   1,600 0 0
PRUDENTIAL FINANCIAL INC Common Stock 744320102 261 2,898 SH   SOLE   2,398 200 300
PRUDENTIAL FINANCIAL INC Common Stock 744320102 6 62 SH   OTR   62 0 0
REGIONS FINANCIAL CORP Common Stock 7591EP100 159 10,039 SH   SOLE   8,239 0 1,800
SCHWAB US LARGE CAP GROWTH ETF Exchange Traded Fund 808524300 2,825 33,622 SH   SOLE   32,323 0 1,299
SCHWAB US LARGE CAP VALUE ETF Exchange Traded Fund 808524409 3,424 60,351 SH   SOLE   58,217 0 2,134
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209 767 8,508 SH   SOLE   8,508 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y803 1,112 13,810 SH   SOLE   13,810 0 0
SOUTHERN CO Common Stock 842587107 593 9,604 SH   SOLE   8,837 0 767
SPDR GOLD TRUST Exchange Traded Fund 78463V107 215 1,547 SH   SOLE   975 0 572
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 2,683 9,040 SH   SOLE   9,040 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 583 1,655 SH   SOLE   1,550 0 105
STARBUCKS CORP Common Stock 855244109 1,261 14,267 SH   SOLE   11,926 0 2,341
STRYKER CORP Common Stock 863667101 266 1,229 SH   SOLE   839 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 860 7,531 SH   SOLE   5,748 284 1,499
TEXAS INSTRUMENTS INC Common Stock 882508104 372 2,880 SH   SOLE   2,207 0 673
TEXAS INSTRUMENTS INC Common Stock 882508104 6 47 SH   OTR   47 0 0
TFS FINL CORP Common Stock 87240R107 357 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 1,020 18,295 SH   SOLE   7,880 0 10,415
TRACTOR SUPPLY CO Common Stock 892356106 261 2,884 SH   SOLE   2,399 0 485
UNION PACIFIC CORP Common Stock 907818108 277 1,712 SH   SOLE   1,609 0 103
UNION PACIFIC CORP Common Stock 907818108 12 75 SH   OTR   75 0 0
UNITED PARCEL SERVICE INC CLB Common Stock 911312106 430 3,590 SH   SOLE   2,932 196 462
UNITED TECHNOLOGIES CORP Common Stock 913017109 1,144 8,378 SH   SOLE   5,140 187 3,051
UNITED TECHNOLOGIES CORP Common Stock 913017109 14 100 SH   OTR   100 0 0
US BANCORP Common Stock 902973304 2,647 47,835 SH   SOLE   37,149 800 9,886
V F CORP Common Stock 918204108 379 4,259 SH   SOLE   2,144 0 2,115
VANGUARD BD INDEX FD INC Fixed Income ETF 921937819 1,592 18,095 SH   SOLE   16,895 0 1,200
VANGUARD INDEX FDS Exchange Traded Fund 922908553 212 2,277 SH   SOLE   2,277 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908611 263 2,044 SH   SOLE   1,114 0 930
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 236 5,870 SH   SOLE   5,660 0 210
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 20 500 SH   OTR   500 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C706 364 5,460 SH   SOLE   3,410 800 1,250
VANGUARD WHITEHALL FDS INC Exchange Traded Fund 921946406 385 4,337 SH   SOLE   1,692 0 2,645
VANGUARD WORLD FDS Exchange Traded Fund 92204A504 503 3,000 SH   SOLE   3,000 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,026 17,002 SH   SOLE   10,669 269 6,064
VERIZON COMMUNICATIONS INC Common Stock 92343V104 103 1,713 SH   OTR   1,713 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 382 2,223 SH   SOLE   1,814 0 409
VISA INC CLASS A SHARES Common Stock 92826C839 13 75 SH   OTR   75 0 0
WALMART INC Common Stock 931142103 373 3,142 SH   SOLE   2,735 0 407
WALMART INC Common Stock 931142103 9 75 SH   OTR   75 0 0
WELLS FARGO CO Common Stock 949746101 342 6,779 SH   SOLE   4,268 0 2,511
WELLTOWER INC Common Stock 95040Q104 244 2,687 SH   SOLE   2,323 0 364
WISDOMTREE TR Exchange Traded Fund 97717W109 1,657 16,724 SH   SOLE   13,079 750 2,895