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 559 4,319 SH   SOLE   3,569 0 750
Abbott Laboratories Common Stock 002824100 1,843 16,966 SH   SOLE   11,587 0 5,379
Abbvie Inc. Common Stock 00287Y109 1,196 7,810 SH   SOLE   4,876 0 2,934
Accenture PLC Int'l Common Stock G1151C101 1,107 3,986 SH   SOLE   2,233 0 1,753
Air Products & Chemicals Inc Common Stock 009158106 241 1,002 SH   SOLE   984 0 18
Alphabet Inc. Common Stock 02079K107 2,907 1,329 SH   SOLE   999 30 300
Alphabet Inc. Common Stock 02079K305 2,870 1,317 SH   SOLE   1,117 0 200
Amazon.com Inc Common Stock 023135106 1,401 13,190 SH   SOLE   12,890 0 300
American Express Co. Common Stock 025816109 244 1,757 SH   SOLE   1,662 0 95
American Tower REIT Common Stock 03027X100 208 815 SH   SOLE   452 0 363
Amgen Inc. Common Stock 031162100 1,505 6,187 SH   SOLE   3,882 0 2,305
Analog Devices Inc. Common Stock 032654105 529 3,623 SH   SOLE   2,040 0 1,583
Apple Inc. Common Stock 037833100 5,323 38,934 SH   SOLE   29,375 250 9,309
AT&T Inc. Common Stock 00206R102 583 27,805 SH   SOLE   24,468 0 3,337
Automatic Data Processing Common Stock 053015103 1,129 5,373 SH   SOLE   3,881 0 1,492
Bank of America Corp. Common Stock 060505104 338 10,848 SH   SOLE   10,327 0 521
Baxter International Inc. Common Stock 071813109 519 8,078 SH   SOLE   4,598 0 3,480
Becton Dickinson and Co. Common Stock 075887109 480 1,949 SH   SOLE   1,949 0 0
Berkshire Hathaway Inc. Common Stock 084670702 1,325 4,853 SH   SOLE   2,475 0 2,378
Blackrock Inc. Common Stock 09247X101 523 859 SH   SOLE   659 75 125
Boeing Co. Common Stock 097023105 543 3,975 SH   SOLE   3,385 0 590
Bristol-Myers Squibb Co Common Stock 110122108 676 8,774 SH   SOLE   5,683 0 3,091
Broadcom Ltd. Common Stock 11135F101 1,441 2,967 SH   SOLE   2,509 150 308
C H Robinson Worldwide Inc. Common Stock 12541W209 717 7,070 SH   SOLE   6,920 0 150
Canadian Pacific Railway Ltd. Int'l Common Stock 13645T100 287 4,116 SH   SOLE   2,172 0 1,944
Cardinal Health Inc. Common Stock 14149Y108 416 7,959 SH   SOLE   7,033 0 926
Caterpillar Inc. Common Stock 149123101 477 2,667 SH   SOLE   2,369 0 298
Chevron Corporation Common Stock 166764100 2,608 18,013 SH   SOLE   17,807 0 206
Chubb Ltd Common Stock H1467J104 309 1,574 SH   SOLE   311 0 1,263
Cigna Corp. Common Stock 125523100 390 1,479 SH   SOLE   1,479 0 0
Cincinnati Financial Corp Common Stock 172062101 3,186 26,776 SH   SOLE   26,776 0 0
Cintas Corp. Common Stock 172908105 543 1,454 SH   SOLE   1,454 0 0
Cisco Systems Inc. Common Stock 17275R102 719 16,868 SH   SOLE   16,282 0 586
Citigroup Inc. Common Stock 172967424 217 4,716 SH   SOLE   4,604 0 112
Coca-Cola Company Common Stock 191216100 1,061 16,861 SH   SOLE   15,304 0 1,557
Comcast Corp. Common Stock 20030N101 290 7,387 SH   SOLE   6,310 0 1,077
Cullen Frost Bankers Inc Common Stock 229899109 431 3,700 SH   SOLE   1,400 0 2,300
CVS Health Corporation Common Stock 126650100 373 4,024 SH   SOLE   3,574 0 450
Danaher Corp. Common Stock 235851102 407 1,604 SH   SOLE   1,304 300 0
Deere & Co. Common Stock 244199105 670 2,237 SH   SOLE   1,391 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205 363 2,083 SH   SOLE   701 0 1,382
Disney Walt Co. Common Stock 254687106 1,711 18,127 SH   SOLE   13,880 0 4,247
Dominion Energy Inc. Common Stock 25746U109 353 4,429 SH   SOLE   4,229 0 200
Duke Energy Holding Corp. Common Stock 26441C204 1,308 12,203 SH   SOLE   9,235 0 2,968
Eaton Corp. Int'l Common Stock G29183103 888 7,045 SH   SOLE   6,184 0 861
Eli Lilly Co. Common Stock 532457108 824 2,540 SH   SOLE   2,390 0 150
Eli Lilly Co. Common Stock 532457108 195 600 SH   OTR   600 0 0
Emerson Electric Co. Common Stock 291011104 655 8,239 SH   SOLE   7,039 500 700
Enbridge Inc. Int'l Common Stock 29250N105 1,102 26,073 SH   SOLE   10,382 0 15,691
Exxon Mobil Corp. Common Stock 30231G102 1,197 13,974 SH   SOLE   12,728 0 1,246
Fed Ex Corp. Common Stock 31428X106 733 3,232 SH   SOLE   1,745 0 1,487
Fidelity MSCI Utilities Index Exchange Traded Fund 316092865 282 6,250 SH   OTR   6,250 0 0
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 319 10,150 SH   SOLE   10,150 0 0
First Financial Bancorp Common Stock 320209109 402 20,696 SH   SOLE   20,696 0 0
General Dynamics Corp. Common Stock 369550108 309 1,397 SH   SOLE   1,397 0 0
General Mills Inc. Common Stock 370334104 1,279 16,950 SH   SOLE   14,736 700 1,514
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 465 25,932 SH   SOLE   23,111 2,821 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 1,087 8,475 SH   SOLE   8,475 0 0
Hershey Company Common Stock 427866108 1,849 8,594 SH   SOLE   8,594 0 0
Home Depot Inc. Common Stock 437076102 816 2,976 SH   SOLE   2,912 0 64
Honeywell International Inc. Common Stock 438516106 869 5,002 SH   SOLE   4,671 0 331
Illinois Tool Works Inc. Common Stock 452308109 539 2,955 SH   SOLE   1,615 0 1,340
Intel Corp. Common Stock 458140100 1,653 44,195 SH   SOLE   38,969 1,200 4,026
International Business Machines Corp. Common Stock 459200101 461 3,265 SH   SOLE   2,860 0 405
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 495 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Downside Hedged ETF Exchange Traded Fund 46090A705 905 27,733 SH   SOLE   26,733 0 1,000
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 5,687 42,366 SH   SOLE   36,319 2,700 3,347
IShares Biotechnology ETF Exchange Traded Fund 464287556 379 3,220 SH   SOLE   2,970 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 808 2,131 SH   SOLE   2,131 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 545 5,356 SH   SOLE   2,614 0 2,742
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 765 10,898 SH   SOLE   9,373 0 1,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 3,840 78,263 SH   SOLE   71,768 1,249 5,246
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 11,588 196,912 SH   SOLE   185,312 2,500 9,100
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612 897 8,500 SH   SOLE   8,500 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281 3,627 42,510 SH   SOLE   38,400 990 3,120
IShares MSCI India ETF International Equity ETF 46429B598 918 23,314 SH   SOLE   20,290 1,680 1,344
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 263 1,913 SH   SOLE   1,913 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 1,905 8,422 SH   SOLE   7,272 0 1,150
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,384 14,981 SH   SOLE   14,081 500 400
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,246 26,810 SH   SOLE   26,810 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465 707 11,311 SH   SOLE   9,896 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 242 6,043 SH   SOLE   6,043 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 268 1,225 SH   SOLE   326 0 899
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 725 4,282 SH   SOLE   4,132 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,261 10,402 SH   SOLE   10,102 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 878 13,573 SH   SOLE   10,857 0 2,716
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 338 4,270 SH   SOLE   4,270 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 261 2,572 SH   SOLE   2,572 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 259 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 591 5,187 SH   SOLE   5,187 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 220 4,185 SH   SOLE   3,185 1,000 0
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 249 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 3,170 17,860 SH   SOLE   15,268 250 2,342
JP Morgan Chase Co. Common Stock 46625H100 1,718 15,260 SH   SOLE   13,631 0 1,629
Kroger Co. Common Stock 501044101 886 18,725 SH   SOLE   17,050 0 1,675
Lam Research Corp. Common Stock 512807108 946 2,220 SH   SOLE   2,002 75 143
LCNB Corp. Common Stock 50181P100 3,319 222,038 SH   SOLE   211,838 0 10,200
LCNB Corp. Common Stock 50181P100 4,124 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 561 1,951 SH   SOLE   498 0 1,453
Lockheed Martin Corp. Common Stock 539830109 1,278 2,973 SH   SOLE   2,766 100 107
Lowes Co Inc. Common Stock 548661107 1,961 11,227 SH   SOLE   8,651 0 2,576
Mastercard Inc. Common Stock 57636Q104 947 3,003 SH   SOLE   1,862 0 1,141
McCormick Co Inc. Common Stock 579780206 362 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101 1,322 5,356 SH   SOLE   4,373 0 983
Medtronic PLC Int'l Common Stock G5960L103 599 6,676 SH   SOLE   4,787 182 1,707
Merck and Co Inc. Common Stock 58933Y105 2,017 22,119 SH   SOLE   21,061 0 1,058
Microsoft Corp. Common Stock 594918104 7,458 29,039 SH   SOLE   22,037 135 6,867
Mondelez International Inc Common Stock 609207105 613 9,873 SH   SOLE   9,030 0 843
NextEra Energy Inc. Common Stock 65339F101 728 9,402 SH   SOLE   8,332 0 1,070
Nike Inc. Common Stock 654106103 1,126 11,019 SH   SOLE   8,931 0 2,088
Norfolk Southern Corp. Common Stock 655844108 575 2,532 SH   SOLE   1,962 0 570
Novartis AG ADR Int'l Common Stock 66987V109 1,077 12,746 SH   SOLE   10,205 450 2,091
Nvidia Corp Common Stock 67066G104 539 3,555 SH   SOLE   3,355 0 200
Oracle Corporation Common Stock 68389X105 517 7,393 SH   SOLE   6,455 0 938
PayPal Holdings Inc. Common Stock 70450Y103 606 8,680 SH   SOLE   7,530 600 550
Pepsico Inc. Common Stock 713448108 2,540 15,239 SH   SOLE   12,680 0 2,559
Pfizer Inc. Common Stock 717081103 1,867 35,609 SH   SOLE   31,999 1,000 2,610
Phillips 66 Common Stock 718546104 205 2,501 SH   SOLE   2,501 0 0
Pioneer Natural Resources Co. Common Stock 723787107 238 1,068 SH   SOLE   1,068 0 0
PNC Financial Services Group Inc. Common Stock 693475105 388 2,459 SH   SOLE   2,216 0 243
Procter & Gamble Co. Common Stock 742718109 230 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109 7,793 54,196 SH   SOLE   51,209 400 2,587
Prudential Financial Inc. Common Stock 744320102 697 7,280 SH   SOLE   6,755 200 325
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 136 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 270 14,404 SH   SOLE   13,404 0 1,000
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 6,094 105,082 SH   SOLE   98,006 0 7,076
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 6,518 104,422 SH   SOLE   97,789 0 6,633
Southern Co. Common Stock 842587107 479 6,718 SH   SOLE   5,871 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 1,088 6,457 SH   SOLE   5,720 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 3,910 10,366 SH   SOLE   10,366 0 0
SPDR S&P 500 Value Exchange Traded Fund 78464A508 265 7,200 SH   OTR   7,200 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 769 1,860 SH   SOLE   1,860 0 0
Starbucks Corp. Common Stock 855244109 972 12,719 SH   SOLE   10,879 500 1,340
Stryker Corp. Common Stock 863667101 233 1,171 SH   SOLE   991 0 180
Sysco Corp. Common Stock 871829107 449 5,299 SH   SOLE   4,849 0 450
T Rowe Price Group Inc. Common Stock 74144T108 915 8,054 SH   SOLE   7,130 284 640
Target Corporation Common Stock 87612E106 222 1,569 SH   SOLE   1,457 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,525 11,995 SH   SOLE   11,995 0 0
Tesla Inc. Common Stock 88160R101 1,147 1,703 SH   SOLE   1,703 0 0
Texas Instruments Inc. Common Stock 882508104 375 2,442 SH   SOLE   2,026 0 416
The JM Smucker Co. Common Stock 832696405 202 1,581 SH   SOLE   1,581 0 0
TJX Companies Inc. Common Stock 872540109 1,206 21,589 SH   SOLE   11,664 0 9,925
Tractor Supply Co. Common Stock 892356106 448 2,310 SH   SOLE   2,170 0 140
U.S. Bancorp Common Stock 902973304 2,262 49,144 SH   SOLE   44,038 1,200 3,906
Union Pacific Corp. Common Stock 907818108 358 1,677 SH   SOLE   1,584 0 93
United Health Group Inc. Common Stock 91324P102 225 438 SH   SOLE   394 0 44
United Parcel Service Inc Common Stock 911312106 998 5,470 SH   SOLE   4,860 296 314
United/Raytheon Technologies Corp Common Stock 75513E101 739 7,689 SH   SOLE   5,804 287 1,598
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 388 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate Term Bond Index Fund Fixed Income ETF 921937819 716 9,225 SH   SOLE   9,025 0 200
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 845 13,810 SH   SOLE   0 0 13,810
Vanguard International Equity Index Fund International Equity ETF 922042858 233 5,583 SH   SOLE   5,428 0 155
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813 270 3,328 SH   SOLE   0 0 3,328
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102 235 4,000 SH   SOLE   4,000 0 0
Verizon Communications Inc. Common Stock 92343V104 84 1,646 SH   OTR   1,646 0 0
Verizon Communications Inc. Common Stock 92343V104 767 15,113 SH   SOLE   12,180 0 2,933
Visa Inc Common Stock 92826C839 300 1,524 SH   SOLE   1,285 0 239
Walmart Inc. Common Stock 931142103 606 4,988 SH   SOLE   4,488 0 500
WEC Energy Group Inc. Common Stock 92939U106 241 2,393 SH   SOLE   2,230 0 163
Welltower Inc. Common Stock 95040Q104 400 4,860 SH   SOLE   4,541 0 319
WestRock Co. Common Stock 96145D105 754 18,927 SH   SOLE   18,352 0 575
Whirlpool Corp. Common Stock 963320106 312 2,017 SH   SOLE   2,017 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,047 18,088 SH   SOLE   13,088 800 4,200