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 457 4,139 SH   SOLE   3,389 0 750
Abbott Laboratories Common Stock 002824100 1,621 16,751 SH   SOLE   11,372 0 5,379
Abbvie Inc. Common Stock 00287Y109 1,048 7,810 SH   SOLE   4,876 0 2,934
Accenture PLC Int'l Common Stock G1151C101 1,003 3,898 SH   SOLE   2,156 0 1,742
Air Products & Chemicals Inc Common Stock 009158106 299 1,283 SH   SOLE   1,265 0 18
Alphabet Inc. Common Stock 02079K107 2,584 26,875 SH   SOLE   20,305 600 5,970
Alphabet Inc. Common Stock 02079K305 2,402 25,110 SH   SOLE   21,110 0 4,000
Amazon.com Inc Common Stock 023135106 1,561 13,810 SH   SOLE   13,510 0 300
American Express Co. Common Stock 025816109 237 1,757 SH   SOLE   1,662 0 95
Amgen Inc. Common Stock 031162100 1,400 6,213 SH   SOLE   3,908 0 2,305
Analog Devices Inc. Common Stock 032654105 507 3,639 SH   SOLE   2,056 0 1,583
Apple Inc. Common Stock 037833100 5,237 37,896 SH   SOLE   28,355 250 9,291
AT&T Inc. Common Stock 00206R102 420 27,365 SH   SOLE   24,028 0 3,337
Automatic Data Processing Common Stock 053015103 1,218 5,384 SH   SOLE   3,892 0 1,492
Bank of America Corp. Common Stock 060505104 339 11,223 SH   SOLE   10,702 0 521
Baxter International Inc. Common Stock 071813109 435 8,078 SH   SOLE   4,598 0 3,480
Becton Dickinson and Co. Common Stock 075887109 436 1,957 SH   SOLE   1,957 0 0
Berkshire Hathaway Inc. Common Stock 084670702 1,268 4,750 SH   SOLE   2,372 0 2,378
Blackrock Inc. Common Stock 09247X101 243 441 SH   SOLE   391 0 50
Blackstone Inc. Common Stock 09260D107 403 4,815 SH   SOLE   3,590 513 712
Boeing Co. Common Stock 097023105 472 3,900 SH   SOLE   3,310 0 590
Bristol-Myers Squibb Co Common Stock 110122108 602 8,462 SH   SOLE   5,371 0 3,091
Broadcom Ltd. Common Stock 11135F101 1,320 2,972 SH   SOLE   2,514 150 308
C H Robinson Worldwide Inc. Common Stock 12541W209 671 6,970 SH   SOLE   6,820 0 150
Canadian Pacific Railway Ltd. Int'l Common Stock 13645T100 275 4,116 SH   SOLE   2,172 0 1,944
Cardinal Health Inc. Common Stock 14149Y108 531 7,959 SH   SOLE   7,033 0 926
Caterpillar Inc. Common Stock 149123101 438 2,667 SH   SOLE   2,369 0 298
Chevron Corporation Common Stock 166764100 2,626 18,277 SH   SOLE   18,071 0 206
Chubb Ltd Common Stock H1467J104 416 2,285 SH   SOLE   1,022 0 1,263
Cigna Corp. Common Stock 125523100 355 1,279 SH   SOLE   1,279 0 0
Cincinnati Financial Corp Common Stock 172062101 2,398 26,776 SH   SOLE   26,776 0 0
Cintas Corp. Common Stock 172908105 506 1,304 SH   SOLE   1,304 0 0
Cisco Systems Inc. Common Stock 17275R102 636 15,902 SH   SOLE   15,316 0 586
Coca-Cola Company Common Stock 191216100 909 16,224 SH   SOLE   14,667 0 1,557
Comcast Corp. Common Stock 20030N101 230 7,833 SH   SOLE   6,770 0 1,063
Conocophillips Common Stock 20825C104 209 2,047 SH   SOLE   1,982 0 65
Cullen Frost Bankers Inc Common Stock 229899109 489 3,700 SH   SOLE   1,400 0 2,300
Cummins Inc. Common Stock 231021106 210 1,030 SH   SOLE   1,030 0 0
CVS Health Corporation Common Stock 126650100 373 3,910 SH   SOLE   3,460 0 450
Danaher Corp. Common Stock 235851102 421 1,629 SH   SOLE   1,329 300 0
Deere & Co. Common Stock 244199105 747 2,237 SH   SOLE   1,391 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205 341 2,006 SH   SOLE   624 0 1,382
Disney Walt Co. Common Stock 254687106 1,634 17,322 SH   SOLE   13,075 0 4,247
Dominion Energy Inc. Common Stock 25746U109 306 4,429 SH   SOLE   4,229 0 200
Duke Energy Holding Corp. Common Stock 26441C204 1,157 12,443 SH   SOLE   9,475 0 2,968
Eaton Corp. Int'l Common Stock G29183103 972 7,285 SH   SOLE   6,424 0 861
Eli Lilly Co. Common Stock 532457108 821 2,540 SH   SOLE   2,390 0 150
Eli Lilly Co. Common Stock 532457108 194 600 SH   OTR   600 0 0
Emerson Electric Co. Common Stock 291011104 659 9,005 SH   SOLE   7,805 500 700
Enbridge Inc. Int'l Common Stock 29250N105 967 26,068 SH   SOLE   10,377 0 15,691
Exxon Mobil Corp. Common Stock 30231G102 1,254 14,364 SH   SOLE   13,118 0 1,246
Fed Ex Corp. Common Stock 31428X106 475 3,197 SH   SOLE   1,710 0 1,487
Fidelity MSCI Utilities Index Exchange Traded Fund 316092865 264 6,250 SH   OTR   6,250 0 0
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 308 10,150 SH   SOLE   10,150 0 0
First Financial Bancorp Common Stock 320209109 436 20,696 SH   SOLE   20,696 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103 1,106 23,622 SH   SOLE   22,704 0 918
Fiserv Inc. Common Stock 337738108 204 2,180 SH   SOLE   2,180 0 0
General Dynamics Corp. Common Stock 369550108 298 1,405 SH   SOLE   1,405 0 0
General Mills Inc. Common Stock 370334104 828 10,810 SH   SOLE   9,596 0 1,214
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 306 18,568 SH   SOLE   15,747 2,821 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 999 8,250 SH   SOLE   8,250 0 0
Hershey Company Common Stock 427866108 1,895 8,594 SH   SOLE   8,594 0 0
Home Depot Inc. Common Stock 437076102 802 2,906 SH   SOLE   2,842 0 64
Honeywell International Inc. Common Stock 438516106 844 5,052 SH   SOLE   4,721 0 331
Illinois Tool Works Inc. Common Stock 452308109 536 2,966 SH   SOLE   1,626 0 1,340
Intel Corp. Common Stock 458140100 1,116 43,323 SH   SOLE   37,689 1,200 4,434
International Business Machines Corp. Common Stock 459200101 387 3,260 SH   SOLE   2,905 0 355
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 472 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Downside Hedged ETF Exchange Traded Fund 46090A705 717 21,083 SH   SOLE   20,083 0 1,000
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 5,122 40,245 SH   SOLE   34,190 2,700 3,355
IShares Biotechnology ETF Exchange Traded Fund 464287556 353 3,020 SH   SOLE   2,770 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 773 2,156 SH   SOLE   2,156 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 575 5,968 SH   SOLE   2,564 0 3,404
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 687 10,398 SH   SOLE   8,873 0 1,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 4,209 97,928 SH   SOLE   91,445 1,249 5,234
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 10,334 196,199 SH   SOLE   184,678 2,500 9,021
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612 864 8,500 SH   SOLE   8,500 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281 3,382 42,590 SH   SOLE   38,470 990 3,130
IShares MSCI India ETF International Equity ETF 46429B598 942 23,096 SH   SOLE   20,072 1,680 1,344
iShares Russell 1000 ETF Exchange Traded Fund 464287622 247 1,250 SH   SOLE   1,250 0 0
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 246 1,913 SH   SOLE   1,913 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 1,803 8,222 SH   SOLE   7,072 0 1,150
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,286 14,751 SH   SOLE   13,851 500 400
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,606 32,760 SH   SOLE   32,760 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465 592 10,561 SH   SOLE   9,146 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 211 6,043 SH   SOLE   6,043 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 258 1,225 SH   SOLE   326 0 899
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 689 4,176 SH   SOLE   4,026 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,082 10,057 SH   SOLE   9,757 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 844 13,573 SH   SOLE   10,857 0 2,716
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 232 2,960 SH   SOLE   2,960 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 236 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 580 5,527 SH   SOLE   5,527 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 218 4,185 SH   SOLE   3,185 1,000 0
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 220 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 2,793 17,100 SH   SOLE   14,508 250 2,342
JP Morgan Chase Co. Common Stock 46625H100 1,501 14,366 SH   SOLE   12,737 0 1,629
Kroger Co. Common Stock 501044101 813 18,575 SH   SOLE   16,900 0 1,675
Lam Research Corp. Common Stock 512807108 829 2,265 SH   SOLE   2,047 75 143
LCNB Corp. Common Stock 50181P100 3,977 250,762 SH   SOLE   240,562 0 10,200
LCNB Corp. Common Stock 50181P100 4,375 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 526 1,951 SH   SOLE   498 0 1,453
Lockheed Martin Corp. Common Stock 539830109 1,110 2,873 SH   SOLE   2,666 100 107
Lowes Co Inc. Common Stock 548661107 2,152 11,461 SH   SOLE   8,885 0 2,576
Mastercard Inc. Common Stock 57636Q104 854 3,003 SH   SOLE   1,862 0 1,141
McCormick Co Inc. Common Stock 579780206 310 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101 1,226 5,312 SH   SOLE   4,329 0 983
Medtronic PLC Int'l Common Stock G5960L103 564 6,989 SH   SOLE   5,100 182 1,707
Merck and Co Inc. Common Stock 58933Y105 1,959 22,745 SH   SOLE   21,730 0 1,015
Microsoft Corp. Common Stock 594918104 6,684 28,701 SH   SOLE   21,699 135 6,867
Mondelez International Inc Common Stock 609207105 548 9,998 SH   SOLE   9,155 0 843
NextEra Energy Inc. Common Stock 65339F101 709 9,040 SH   SOLE   8,070 0 970
Nike Inc. Common Stock 654106103 912 10,972 SH   SOLE   8,884 0 2,088
Norfolk Southern Corp. Common Stock 655844108 533 2,542 SH   SOLE   1,972 0 570
Novartis AG ADR Int'l Common Stock 66987V109 944 12,421 SH   SOLE   9,880 450 2,091
Nvidia Corp Common Stock 67066G104 437 3,600 SH   SOLE   3,400 0 200
Oracle Corporation Common Stock 68389X105 485 7,943 SH   SOLE   7,605 0 338
PayPal Holdings Inc. Common Stock 70450Y103 784 9,105 SH   SOLE   7,755 600 750
Pepsico Inc. Common Stock 713448108 2,479 15,184 SH   SOLE   12,625 0 2,559
Pfizer Inc. Common Stock 717081103 1,513 34,569 SH   SOLE   30,959 1,000 2,610
Phillips 66 Common Stock 718546104 211 2,613 SH   SOLE   2,613 0 0
Pioneer Natural Resources Co. Common Stock 723787107 226 1,043 SH   SOLE   1,043 0 0
PNC Financial Services Group Inc. Common Stock 693475105 352 2,359 SH   SOLE   2,116 0 243
Procter & Gamble Co. Common Stock 742718109 7,140 56,556 SH   SOLE   53,634 400 2,522
Procter & Gamble Co. Common Stock 742718109 202 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 612 7,140 SH   SOLE   6,615 200 325
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 116 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 291 14,504 SH   SOLE   13,504 0 1,000
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 6,450 115,572 SH   SOLE   106,441 0 9,131
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 6,332 108,221 SH   SOLE   100,092 0 8,129
Schwab US Large-Cap Exchange Traded Fund 808524201 298 7,042 SH   SOLE   7,042 0 0
Southern Co. Common Stock 842587107 457 6,718 SH   SOLE   5,871 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 999 6,457 SH   SOLE   5,720 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 3,725 10,429 SH   SOLE   10,429 0 0
SPDR S&P 500 Value Exchange Traded Fund 78464A508 248 7,200 SH   OTR   7,200 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 743 1,850 SH   SOLE   1,850 0 0
Starbucks Corp. Common Stock 855244109 1,039 12,334 SH   SOLE   10,494 500 1,340
Stryker Corp. Common Stock 863667101 234 1,157 SH   SOLE   977 0 180
Sysco Corp. Common Stock 871829107 375 5,299 SH   SOLE   4,849 0 450
T Rowe Price Group Inc. Common Stock 74144T108 833 7,929 SH   SOLE   7,005 284 640
Target Corporation Common Stock 87612E106 239 1,609 SH   SOLE   1,497 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,398 11,770 SH   SOLE   11,770 0 0
Tesla Inc. Common Stock 88160R101 1,355 5,109 SH   SOLE   5,109 0 0
Texas Instruments Inc. Common Stock 882508104 378 2,442 SH   SOLE   2,026 0 416
The JM Smucker Co. Common Stock 832696405 217 1,581 SH   SOLE   1,581 0 0
TJX Companies Inc. Common Stock 872540109 1,335 21,489 SH   SOLE   11,564 0 9,925
Tractor Supply Co. Common Stock 892356106 429 2,310 SH   SOLE   2,170 0 140
U.S. Bancorp Common Stock 902973304 2,170 53,808 SH   SOLE   47,502 1,900 4,406
Union Pacific Corp. Common Stock 907818108 238 1,222 SH   SOLE   1,129 0 93
United Health Group Inc. Common Stock 91324P102 221 438 SH   SOLE   394 0 44
United Parcel Service Inc Common Stock 911312106 905 5,605 SH   SOLE   4,995 296 314
United/Raytheon Technologies Corp Common Stock 75513E101 605 7,389 SH   SOLE   5,504 287 1,598
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 362 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate Term Bond Index Fund Fixed Income ETF 921937819 675 9,190 SH   SOLE   8,990 0 200
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 990 16,980 SH   SOLE   0 0 16,980
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813 313 4,268 SH   SOLE   0 0 4,268
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102 231 4,000 SH   SOLE   4,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769 224 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104 514 13,548 SH   SOLE   12,083 0 1,465
Verizon Communications Inc. Common Stock 92343V104 62 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 257 1,449 SH   SOLE   1,210 0 239
Walmart Inc. Common Stock 931142103 661 5,100 SH   SOLE   4,600 0 500
WEC Energy Group Inc. Common Stock 92939U106 214 2,393 SH   SOLE   2,230 0 163
Welltower Inc. Common Stock 95040Q104 313 4,860 SH   SOLE   4,541 0 319
WestRock Co. Common Stock 96145D105 569 18,432 SH   SOLE   17,857 0 575
Whirlpool Corp. Common Stock 963320106 322 2,392 SH   SOLE   2,292 0 100
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,090 20,088 SH   SOLE   15,088 800 4,200