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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES COMMON STOCK 002824100   448,319 4,073 SH   DFND 1 4,073 0 0
ABBVIE INC COMMON STOCK 00287Y109   517,602 3,340 SH   DFND 1 3,340 0 0
ABBVIE INC COMMON STOCK 00287Y109   15,497 100 SH   OTR 1 100 0 0
ADOBE INC COMMON STOCK 00724F101   238,043 399 SH   DFND 1 399 0 0
ALPHABET INC COMMON STOCK 02079K305   744,690 5,331 SH   DFND 1 5,331 0 0
AMAZON COM INC COMMON STOCK 023135106   1,328,259 8,742 SH   DFND 1 8,742 0 0
AMGEN INC COMMON STOCK 031162100   225,232 782 SH   DFND 1 782 0 0
APPLE INC COMMON STOCK 037833100   5,646,328 29,327 SH   DFND 1 29,327 0 0
APPLE INC COMMON STOCK 037833100   113,593 590 SH   OTR 1 590 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   482,971 2,980 SH   DFND 1 2,980 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   52,673 325 SH   OTR 1 325 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   267,872 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   757,982 22,512 SH   DFND 1 22,512 0 0
THE BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   210,388 4,042 SH   DFND 1 4,042 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204   792,594 48,775 SH   DFND 1 8,494 0 40,281
BLACKROCK INC COMMON STOCK 09247X101   227,305 280 SH   DFND 1 280 0 0
BOEING CO COMMON STOCK 097023105   210,874 809 SH   DFND 1 809 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   293,957 5,729 SH   DFND 1 5,729 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   34,378 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   653,009 585 SH   DFND 1 585 0 0
CSX CORP COMMON STOCK 126408103   720,549 20,783 SH   DFND 1 20,783 0 0
CSX CORP COMMON STOCK 126408103   46,805 1,350 SH   OTR 1 1,350 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   276,351 711 SH   DFND 1 711 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   3,899,043 26,140 SH   DFND 1 26,140 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   22,374 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   526,269 10,417 SH   DFND 1 10,417 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   20,208 400 SH   OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105   462,241 767 SH   DFND 1 767 0 0
COCA COLA COMMON STOCK 191216100   375,207 6,367 SH   DFND 1 6,367 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   227,319 5,184 SH   DFND 1 5,184 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   391,624 3,374 SH   DFND 1 3,374 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   19,732 170 SH   OTR 1 170 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   884,507 1,340 SH   DFND 1 1,340 0 0
D R HORTON INC COMMON STOCK 23331A109   606,401 3,990 SH   DFND 1 3,990 0 0
DANAHER CORP COMMON STOCK 235851102   311,156 1,345 SH   DFND 1 1,345 0 0
DARDEN RESTAURANTS INC. COMMON STOCK 237194105   236,429 1,439 SH   DFND 1 1,439 0 0
DEERE & CO COMMON STOCK 244199105   1,122,035 2,806 SH   DFND 1 2,806 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   196,363 1,747 SH   DFND 1 1,747 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   22,480 200 SH   OTR 1 200 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   202,960 2,839 SH   DFND 1 2,839 0 0
ESCALADE INC COMMON STOCK 296056104   1,418,997 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   1,911,419 19,118 SH   DFND 1 19,118 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   84,983 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   1,285,583 3,632 SH   DFND 1 3,632 0 0
FISERV COMMON STOCK 337738108   1,018,883 7,670 SH   DFND 1 7,670 0 0
GENERAL DYNAMICS COMMON STOCK 369550108   211,112 813 SH   DFND 1 813 0 0
GENUINE PARTS CO COMMON STOCK 372460105   517,578 3,737 SH   DFND 1 3,737 0 0
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104   212,122 2,639 SH   DFND 1 2,639 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,140,847 3,292 SH   DFND 1 3,292 0 0
HOME DEPOT INC COMMON STOCK 437076102   43,319 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   231,521 1,104 SH   DFND 1 1,104 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   253,821 969 SH   DFND 1 969 0 0
INTEL CORP COMMON STOCK 458140100   249,745 4,970 SH   DFND 1 4,970 0 0
INTEL CORP COMMON STOCK 458140100   37,688 750 SH   OTR 1 750 0 0
IBM COMMON STOCK 459200101   422,778 2,585 SH   DFND 1 2,585 0 0
IBM COMMON STOCK 459200101   94,859 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   981,619 2,397 SH   DFND 1 2,397 0 0
INVESCO MUTUAL FUNDS - 46138J619   669,975 13,032 SH   DFND 1 13,032 0 0
ISHARES MUTUAL FUNDS - 464287101   315,650 1,413 SH   DFND 1 1,413 0 0
ISHARES MUTUAL FUNDS - 464287200   14,768,794 30,921 SH   DFND 1 30,921 0 0
ISHARES MUTUAL FUNDS - 464287200   218,755 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   8,492,984 113,089 SH   DFND 1 113,089 0 0
ISHARES MUTUAL FUNDS - 464287309   88,543 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   3,274,349 18,830 SH   DFND 1 18,830 0 0
ISHARES MUTUAL FUNDS - 464287408   44,864 258 SH   OTR 1 258 0 0
ISHARES MUTUAL FUNDS - 464287457   2,874,519 35,038 SH   DFND 1 35,038 0 0
ISHARES MUTUAL FUNDS - 464287457   18,541 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   1,614,150 21,422 SH   DFND 1 21,422 0 0
ISHARES MUTUAL FUNDS - 464287499   1,895,212 24,382 SH   DFND 1 24,382 0 0
ISHARES MUTUAL FUNDS - 464287499   66,226 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,314,191 33,607 SH   DFND 1 33,417 0 190
ISHARES MUTUAL FUNDS - 464287549   270,701 604 SH   DFND 1 604 0 0
ISHARES MUTUAL FUNDS - 464287614   279,218 921 SH   DFND 1 921 0 0
ISHARES MUTUAL FUNDS - 464287622   3,605,027 13,746 SH   DFND 1 13,746 0 0
ISHARES MUTUAL FUNDS - 464287721   190,754 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   49,100 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,845,622 54,001 SH   DFND 1 53,426 0 575
ISHARES MUTUAL FUNDS - 464287804   17,537 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   485,777 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   502,961 5,524 SH   DFND 1 4,413 0 1,111
ISHARES MUTUAL FUNDS - 464288588   204,812 2,177 SH   DFND 1 2,177 0 0
ISHARES MUTUAL FUNDS - 464288638   4,119,024 79,212 SH   DFND 1 79,212 0 0
ISHARES MUTUAL FUNDS - 464288638   28,288 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,592,962 31,067 SH   DFND 1 31,067 0 0
ISHARES MUTUAL FUNDS - 464288646   9,999 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   616,338 5,262 SH   DFND 1 5,262 0 0
ISHARES MUTUAL FUNDS - 464288661   467,817 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 464288802   551,398 5,486 SH   DFND 1 4,219 0 1,267
ISHARES MUTUAL FUNDS - 46432F842   1,118,212 15,895 SH   DFND 1 15,895 0 0
ISHARES MUTUAL FUNDS - 46432F842   47,627 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   4,251,538 89,393 SH   DFND 1 89,393 0 0
ISHARES MUTUAL FUNDS - 46432F859   28,679 603 SH   OTR 1 603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,928,939 11,340 SH   DFND 1 11,174 0 166
JP MORGAN CHASE & CO COMMON STOCK 46625H100   34,020 200 SH   OTR 1 200 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,115,521 7,117 SH   DFND 1 7,117 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   45,455 290 SH   OTR 1 290 0 0
KROGER CO COMMON STOCK 501044101   338,117 7,397 SH   DFND 1 7,397 0 0
LENNOX INTL COMMON STOCK 526107107   1,013,185 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,377,439 2,363 SH   DFND 1 2,363 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   203,051 448 SH   DFND 1 448 0 0
LOWES COMPANY COMMON STOCK 548661107   698,807 3,140 SH   DFND 1 3,140 0 0
MCDONALDS COMMON STOCK 580135101   873,223 2,945 SH   DFND 1 2,945 0 0
MCDONALDS COMMON STOCK 580135101   22,238 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,113,314 10,212 SH   DFND 1 10,212 0 0
MERCK & CO COMMON STOCK 58933Y105   94,302 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   271,862 4,111 SH   DFND 1 4,111 0 0
METLIFE COMMON STOCK 59156R108   9,920 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,052,319 8,117 SH   DFND 1 8,117 0 0
MORGAN STANLEY COMMON STOCK 617446448   483,038 5,180 SH   DFND 1 5,180 0 0
NETAPP INC COMMON STOCK 64110D104   215,727 2,447 SH   DFND 1 2,447 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   236,706 3,897 SH   DFND 1 3,897 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   795,819 1,607 SH   DFND 1 1,607 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   222,244 2,569 SH   DFND 1 2,569 0 0
ONEOK INC COMMON STOCK 682680103   243,523 3,468 SH   DFND 1 3,468 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   982,822 9,322 SH   DFND 1 9,322 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   325,272 2,175 SH   DFND 1 2,175 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   202,008 1,240 SH   DFND 1 1,240 0 0
PAYCHEX INC COMMON STOCK 704326107   224,641 1,886 SH   DFND 1 1,886 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   19,848,067 587,917 SH   DFND 1 15,503 572,414 0
PEOPLES BANCORP INC COMMON STOCK 709789101   3,376 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   719,952 4,239 SH   DFND 1 4,239 0 0
PEPSICO INC COMMON STOCK 713448108   32,609 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   162,147 5,632 SH   DFND 1 5,632 0 0
PFIZER INC COMMON STOCK 717081103   53,981 1,875 SH   OTR 1 1,875 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   223,910 2,380 SH   DFND 1 2,380 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   18,816 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,007,874 7,570 SH   DFND 1 7,570 0 0
PHILLIPS 66 COMMON STOCK 718546104   13,314 100 SH   OTR 1 100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,843,759 19,406 SH   DFND 1 19,406 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   54,806 374 SH   OTR 1 374 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   399,906 3,856 SH   DFND 1 3,856 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   10,371 100 SH   OTR 1 100 0 0
PUBLIC SERV ENTERPRISE GROUP INC COMMON STOCK 744573106   212,558 3,476 SH   DFND 1 3,476 0 0
QUALCOMM INC COMMON STOCK 747525103   218,537 1,511 SH   DFND 1 1,511 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   192,935 2,293 SH   DFND 1 2,293 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   8,414 100 SH   OTR 1 100 0 0
RIO TINTO PLC ADR COMMON STOCK 767204100   235,592 3,164 SH   DFND 1 3,164 0 0
SPDR MUTUAL FUNDS - 78462F103   6,404,329 13,474 SH   DFND 1 13,474 0 0
SPDR MUTUAL FUNDS - 78464A763   691,709 5,535 SH   DFND 1 5,535 0 0
SPDR MUTUAL FUNDS - 78464A763   66,234 530 SH   OTR 1 530 0 0
SPDR MUTUAL FUNDS - 78468R408   126,102 5,016 SH   DFND 1 5,016 0 0
SPDR MUTUAL FUNDS - 78468R408   228,623 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   1,800,337 53,375 SH   DFND 1 53,375 0 0
SCHWAB MUTUAL FUNDS - 808524755   10,659 316 SH   OTR 1 316 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,442,552 32,084 SH   DFND 1 32,084 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   406,097 1,302 SH   DFND 1 1,302 0 0
STRYKER COMMON STOCK 863667101   379,119 1,266 SH   DFND 1 1,266 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   318,421 1,868 SH   DFND 1 1,868 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   17,046 100 SH   OTR 1 100 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   885,461 3,605 SH   DFND 1 3,605 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   24,562 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   264,502 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   572,804 1,088 SH   DFND 1 1,088 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   26,324 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   2,899,390 60,530 SH   DFND 1 60,530 0 0
VANGUARD MUTUAL FUNDS - 92204A702   750,200 1,550 SH   DFND 1 1,550 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,838,331 98,421 SH   DFND 1 98,421 0 0
VANGUARD MUTUAL FUNDS - 92206C706   40,338 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922908629   236,363 1,016 SH   DFND 1 1,016 0 0
VANGUARD MUTUAL FUNDS - 922908769   308,149 1,299 SH   DFND 1 1,299 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   221,979 5,888 SH   DFND 1 5,888 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   18,850 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   334,550 1,285 SH   DFND 1 1,285 0 0
LINDE PLC FOREIGN STOCK G54950103   287,908 701 SH   DFND 1 701 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   316,010 3,836 SH   DFND 1 3,836 0 0