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 466 2,668 SH   SOLE   1,843 0 825
Abbott Laboratories Common Stock 002824100 1,921 17,544 SH   SOLE   11,515 150 5,879
Abbvie Inc. Common Stock 00287Y109 645 6,022 SH   SOLE   3,038 0 2,984
Accenture PLC Int'l Common Stock G1151C101 1,087 4,160 SH   SOLE   2,250 0 1,910
Alibaba Group Holding Ltd Int'l Common Stock 01609W102 216 929 SH   SOLE   925 0 4
Alphabet Inc. Common Stock 02079K107 2,400 1,370 SH   SOLE   987 40 343
Alphabet Inc. Common Stock 02079K305 2,657 1,516 SH   SOLE   1,273 0 243
Amazon.com Inc Common Stock 023135106 2,303 707 SH   SOLE   662 0 45
Amgen Inc. Common Stock 031162100 1,175 5,112 SH   SOLE   2,637 0 2,475
Analog Devices Inc. Common Stock 032654105 512 3,469 SH   SOLE   1,836 0 1,633
Apple Inc. Common Stock 037833100 5,263 39,667 SH   SOLE   27,899 300 11,468
AT&T Inc. Common Stock 00206R102 873 30,358 SH   SOLE   25,369 0 4,989
Automatic Data Processing Common Stock 053015103 886 5,031 SH   SOLE   3,519 0 1,512
Bank of America Corp. Common Stock 060505104 329 10,848 SH   SOLE   10,327 0 521
Baxter International Inc. Common Stock 071813109 595 7,410 SH   SOLE   3,805 0 3,605
Berkshire Hathaway Inc. Common Stock 084670702 1,043 4,499 SH   SOLE   1,809 0 2,690
Blackrock Inc. Common Stock 09247X101 639 886 SH   SOLE   651 100 135
Boeing Co. Common Stock 097023105 505 2,359 SH   SOLE   1,869 0 490
Booking Holdings Inc. Common Stock 09857L108 249 112 SH   SOLE   72 20 20
Bristol-Myers Squibb Co Common Stock 110122108 588 9,481 SH   SOLE   6,180 0 3,301
Broadcom Ltd. Common Stock 11135F101 1,365 3,118 SH   SOLE   2,459 200 459
C H Robinson Worldwide Inc. Common Stock 12541W209 585 6,235 SH   SOLE   5,935 0 300
Cardinal Health Inc. Common Stock 14149Y108 267 4,992 SH   SOLE   4,066 0 926
Caterpillar Inc. Common Stock 149123101 430 2,365 SH   SOLE   2,067 0 298
Chevron Corporation Common Stock 166764100 1,550 18,349 SH   SOLE   17,704 0 645
Chubb Ltd Common Stock H1467J104 232 1,506 SH   SOLE   243 0 1,263
Cincinnati Financial Corp Common Stock 172062101 2,330 26,663 SH   SOLE   26,663 0 0
Cintas Corp. Common Stock 172908105 548 1,550 SH   SOLE   1,550 0 0
Cisco Systems Inc. Common Stock 17275R102 675 15,076 SH   SOLE   14,290 0 786
Citigroup Inc. Common Stock 172967424 368 5,974 SH   SOLE   4,606 700 668
Coca-Cola Company Common Stock 191216100 961 17,527 SH   SOLE   15,879 0 1,648
Comcast Corp. Common Stock 20030N101 277 5,294 SH   SOLE   4,217 0 1,077
CULLEN FROST BANKERS INC Common Stock 229899109 243 2,790 SH   SOLE   400 0 2,390
CVS Health Corporation Common Stock 126650100 265 3,882 SH   SOLE   3,032 0 850
Danaher Corp. Common Stock 235851102 582 2,618 SH   SOLE   2,318 300 0
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR International Equity ETF 233051200 932 27,596 SH   SOLE   23,135 1,150 3,311
Deere & Co. Common Stock 244199105 483 1,794 SH   SOLE   869 0 925
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 324 2,039 SH   SOLE   577 0 1,462
Disney Walt Co. Common Stock 254687106 2,524 13,933 SH   SOLE   9,596 0 4,337
Dominion Energy Inc. Common Stock 25746U109 234 3,118 SH   SOLE   2,918 0 200
Duke Energy Holding Corp. Common Stock 26441C204 931 10,165 SH   SOLE   6,967 0 3,198
Eaton Corp. Common Stock G29183103 939 7,814 SH   SOLE   6,678 0 1,136
ECOLAB INC Common Stock 278865100 210 972 SH   SOLE   915 0 57
Eli Lilly Co. Common Stock 532457108 574 3,400 SH   SOLE   3,250 0 150
Emerson Electric Co. Common Stock 291011104 515 6,410 SH   SOLE   5,760 0 650
Enbridge Inc. Int'l Common Stock 29250N105 875 27,342 SH   SOLE   11,651 0 15,691
ESSA BANCORP INC Common Stock 29667D104 225 15,000 SH   SOLE   15,000 0 0
Exxon Mobil Corp. Common Stock 30231G102 498 12,074 SH   SOLE   10,728 0 1,346
Fed Ex Corp. Common Stock 31428X106 782 3,013 SH   SOLE   1,476 0 1,537
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 302 10,250 SH   SOLE   10,250 0 0
First Financial Bancorp Common Stock 320209109 363 20,696 SH   SOLE   20,696 0 0
Fiserv Inc. Common Stock 337738108 251 2,205 SH   SOLE   2,205 0 0
General Dynamics Corp. Common Stock 369550108 204 1,372 SH   SOLE   1,372 0 0
General Mills Inc. Common Stock 370334104 889 15,123 SH   SOLE   12,659 700 1,764
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 954 8,408 SH   SOLE   8,408 0 0
Hershey Company Common Stock 427866108 1,305 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 837 3,151 SH   SOLE   3,002 0 149
Honeywell International Inc. Common Stock 438516106 1,089 5,121 SH   SOLE   4,525 0 596
Illinois Tool Works Inc. Common Stock 452308109 510 2,503 SH   SOLE   1,053 0 1,450
Intel Corp. Common Stock 458140100 1,770 35,533 SH   SOLE   28,682 800 6,051
International Business Machines Corp. Common Stock 459200101 307 2,441 SH   SOLE   2,036 0 405
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 617 1,967 SH   SOLE   1,967 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 4,070 31,911 SH   SOLE   27,869 3,000 1,042
INVESTORS BANCORP INC NEW Common Stock 46146L101 110 10,455 SH   SOLE   10,455 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 908 2,418 SH   SOLE   2,143 0 275
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 449 3,801 SH   SOLE   3,651 0 150
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 1,833 27,007 SH   SOLE   24,350 0 2,657
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 3,154 50,843 SH   SOLE   46,729 0 4,114
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 11,279 163,249 SH   SOLE   150,715 2,700 9,834
IShares MSCI EAFE Min Volatility Exchange Traded Fund 46429B689 571 7,781 SH   SOLE   6,845 0 936
IShares NASDAQ Biotechnology TR Exchange Traded Fund 464287556 541 3,570 SH   SOLE   3,320 250 0
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 220 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 237 2,920 SH   SOLE   2,560 0 360
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,447 10,645 SH   SOLE   9,295 0 1,350
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,677 18,249 SH   SOLE   16,679 650 920
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,919 33,860 SH   SOLE   32,460 0 1,400
IShares TR MSCI EAFE ETF International Equity ETF 464287465 996 13,658 SH   SOLE   12,243 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 304 5,891 SH   SOLE   5,891 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 310 1,284 SH   SOLE   326 0 958
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 804 4,100 SH   SOLE   3,925 0 175
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,681 11,992 SH   SOLE   11,592 100 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 1,066 15,555 SH   SOLE   12,010 0 3,545
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 801 7,806 SH   SOLE   7,806 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 479 4,945 SH   SOLE   4,945 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 212 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 604 4,730 SH   SOLE   4,730 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 277 4,885 SH   SOLE   3,185 1,000 700
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 229 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 2,591 16,465 SH   SOLE   13,623 250 2,592
JP Morgan Chase Co. Common Stock 46625H100 1,746 13,743 SH   SOLE   11,864 0 1,879
Kroger Co. Common Stock 501044101 392 12,350 SH   SOLE   10,175 0 2,175
Lam Research Corp. Common Stock 512807108 1,166 2,468 SH   SOLE   2,200 100 168
LCNB Corp. Common Stock 50181P100 3,806 259,110 SH   SOLE   248,910 0 10,200
LCNB Corp. Common Stock 50181P100 4,052 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 530 2,012 SH   SOLE   469 0 1,543
Lockheed Martin Corp. Common Stock 539830109 940 2,649 SH   SOLE   2,442 100 107
Lowes Co Inc. Common Stock 548661107 1,832 11,411 SH   SOLE   8,055 0 3,356
Mastercard Inc. Common Stock 57636Q104 821 2,301 SH   SOLE   1,135 0 1,166
McCormick Co Inc. Common Stock 579780206 500 5,230 SH   SOLE   4,730 0 500
McDonalds Corp. Common Stock 580135101 1,234 5,753 SH   SOLE   4,770 0 983
Medtronic PLC Int'l Common Stock G5960L103 634 5,409 SH   SOLE   4,155 0 1,254
Merck and Co Inc. Common Stock 58933Y105 841 10,280 SH   SOLE   9,422 0 858
Microsoft Corp. Common Stock 594918104 6,924 31,131 SH   SOLE   23,497 0 7,634
Mondelez International Inc Common Stock 609207105 419 7,159 SH   SOLE   6,415 0 744
NextEra Energy Inc. Common Stock 65339F101 867 11,242 SH   SOLE   9,542 0 1,700
Nike Inc. Common Stock 654106103 1,789 12,645 SH   SOLE   10,427 0 2,218
Norfolk Southern Corp. Common Stock 655844108 560 2,355 SH   SOLE   1,635 0 720
Novartis AG ADR Int'l Common Stock 66987V109 1,151 12,187 SH   SOLE   9,446 450 2,291
NVIDIA Corp. Common Stock 67066G104 406 778 SH   SOLE   728 0 50
Oracle Corporation Common Stock 68389X105 524 8,101 SH   SOLE   6,733 0 1,368
PayPal Holdings Inc. Common Stock 70450Y103 647 2,763 SH   SOLE   2,263 300 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 176 13,595 SH   SOLE   13,595 0 0
Pepsico Inc. Common Stock 713448108 2,294 15,467 SH   SOLE   12,733 0 2,734
Pfizer Inc. Common Stock 717081103 1,235 33,552 SH   SOLE   28,908 1,000 3,644
Phillips 66 Common Stock 718546104 203 2,906 SH   SOLE   2,746 0 160
PNC Financial Services Group Inc. Common Stock 693475105 351 2,356 SH   SOLE   2,113 0 243
Procter & Gamble Co. Common Stock 742718109 8,637 62,073 SH   SOLE   59,049 400 2,624
Procter & Gamble Co. Common Stock 742718109 223 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 457 5,860 SH   SOLE   5,035 200 625
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 163 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 171 10,604 SH   SOLE   9,604 0 1,000
Roku Inc. Common Stock 77543R102 375 1,130 SH   SOLE   1,130 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 4,573 35,635 SH   SOLE   34,353 0 1,282
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 4,236 71,155 SH   SOLE   68,709 0 2,446
Southern Co. Common Stock 842587107 558 9,078 SH   SOLE   8,231 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 1,854 10,392 SH   SOLE   9,455 0 937
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 3,600 9,628 SH   SOLE   9,628 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 819 1,950 SH   SOLE   1,850 0 100
Starbucks Corp. Common Stock 855244109 1,453 13,579 SH   SOLE   11,238 500 1,841
Stryker Corp. Common Stock 863667101 274 1,119 SH   SOLE   839 0 280
Sysco Corp. Common Stock 871829107 220 2,965 SH   SOLE   2,165 0 800
T Rowe Price Group Inc. Common Stock 74144T108 1,120 7,398 SH   SOLE   6,165 284 949
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,757 13,510 SH   SOLE   13,510 0 0
Tesla Inc. Common Stock 88160R101 1,411 2,000 SH   SOLE   2,000 0 0
Texas Instruments Inc. Common Stock 882508104 401 2,441 SH   SOLE   1,868 0 573
TFS FINL CORP Common Stock 87240R107 229 13,000 SH   SOLE   13,000 0 0
TJX Companies Inc. Common Stock 872540109 1,203 17,609 SH   SOLE   7,194 0 10,415
Tractor Supply Co. Common Stock 892356106 363 2,580 SH   SOLE   2,320 0 260
U.S. Bancorp Common Stock 902973304 1,845 39,593 SH   SOLE   34,277 800 4,516
Union Pacific Corp. Common Stock 907818108 370 1,777 SH   SOLE   1,684 0 93
United Parcel Service Inc Common Stock 911312106 929 5,514 SH   SOLE   4,580 296 638
United/Raytheon Technologies Corp Common Stock 75513E101 500 6,989 SH   SOLE   5,054 287 1,648
V F Corp. Common Stock 918204108 296 3,469 SH   SOLE   2,044 0 1,425
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 351 3,840 SH   SOLE   1,195 0 2,645
Vanguard Intermediate Term Bond Index Fund Inc. Fixed Income ETF 921937819 1,345 14,485 SH   SOLE   13,285 0 1,200
Vanguard International Equity Index Fund International Equity ETF 922042858 281 5,600 SH   SOLE   5,390 0 210
Verizon Communications Inc. Common Stock 92343V104 1,039 17,689 SH   SOLE   11,447 519 5,723
Verizon Communications Inc. Common Stock 92343V104 97 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 536 2,449 SH   SOLE   2,067 0 382
Walmart Inc. Common Stock 931142103 415 2,876 SH   SOLE   2,526 0 350
Welltower Inc. Common Stock 95040Q104 306 4,735 SH   SOLE   4,416 0 319
WestRock Co. Common Stock 96145D105 724 16,638 SH   SOLE   16,063 0 575
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,071 10,219 SH   SOLE   6,969 400 2,850