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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101   350,232 3,741 SH   SOLE   3,572 0 169
Abbott Laboratories Common Stock 002824100   1,544,951 15,952 SH   SOLE   10,863 0 5,089
Abbvie Inc. Common Stock 00287Y109   1,076,213 7,220 SH   SOLE   4,386 0 2,834
Accenture PLC Int'l Common Stock G1151C101   1,147,056 3,735 SH   SOLE   2,135 0 1,600
Air Products & Chemicals Inc Common Stock 009158106   338,096 1,193 SH   SOLE   1,175 0 18
Alphabet Inc. Common Stock 02079K107   3,227,029 24,475 SH   SOLE   19,181 0 5,294
Alphabet Inc. Common Stock 02079K305   3,020,118 23,079 SH   SOLE   19,769 0 3,310
Amazon.com Inc Common Stock 023135106   1,702,010 13,389 SH   SOLE   13,089 0 300
American Express Co. Common Stock 025816109   262,127 1,757 SH   SOLE   1,662 0 95
Amgen Inc. Common Stock 031162100   1,956,035 7,278 SH   SOLE   4,998 0 2,280
Analog Devices Inc. Common Stock 032654105   615,266 3,514 SH   SOLE   2,056 0 1,458
Apple Inc. Common Stock 037833100   6,197,802 36,200 SH   SOLE   27,164 0 9,036
Applied Materials Common Stock 038222105   225,950 1,632 SH   SOLE   1,632 0 0
Automatic Data Processing Common Stock 053015103   1,224,312 5,089 SH   SOLE   3,677 0 1,412
Bank of America Corp. Common Stock 060505104   317,635 11,601 SH   SOLE   11,601 0 0
Becton Dickinson and Co. Common Stock 075887109   641,413 2,481 SH   SOLE   2,481 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,625,042 4,639 SH   SOLE   2,336 0 2,303
Blackrock Inc. Common Stock 09247X101   292,860 453 SH   SOLE   444 0 9
Blackstone Inc. Common Stock 09260D107   775,051 7,234 SH   SOLE   6,722 0 512
Boeing Co. Common Stock 097023105   808,890 4,220 SH   SOLE   3,730 0 490
Booking Holdings Inc. Common Stock 09857L108   222,044 72 SH   SOLE   72 0 0
BP PLC Int'l Common Stock 055622104   317,620 8,203 SH   SOLE   8,203 0 0
Bristol-Myers Squibb Co Common Stock 110122108   342,900 5,908 SH   SOLE   5,558 0 350
Broadcom Ltd. Common Stock 11135F101   2,297,384 2,766 SH   SOLE   2,566 0 200
C H Robinson Worldwide Inc. Common Stock 12541W209   533,575 6,195 SH   SOLE   6,195 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   304,783 4,096 SH   SOLE   2,172 0 1,924
Cardinal Health Inc. Common Stock 14149Y108   609,303 7,018 SH   SOLE   6,717 0 301
Caterpillar Inc. Common Stock 149123101   700,791 2,567 SH   SOLE   2,317 0 250
Chevron Corporation Common Stock 166764100   3,358,236 19,916 SH   SOLE   19,810 0 106
Chubb Ltd Common Stock H1467J104   671,172 3,224 SH   SOLE   2,081 0 1,143
Cigna Group Common Stock 125523100   332,699 1,163 SH   SOLE   1,163 0 0
Cincinnati Financial Corp Common Stock 172062101   2,588,960 25,310 SH   SOLE   25,310 0 0
Cintas Corp. Common Stock 172908105   523,820 1,089 SH   SOLE   1,089 0 0
Cisco Systems Inc. Common Stock 17275R102   882,040 16,407 SH   SOLE   15,821 0 586
Coca-Cola Company Common Stock 191216100   854,703 15,268 SH   SOLE   13,711 0 1,557
Comcast Corp. Common Stock 20030N101   367,047 8,278 SH   SOLE   7,551 0 727
Conocophillips Common Stock 20825C104   267,993 2,237 SH   SOLE   2,172 0 65
Corning Inc. Common Stock 219350105   379,961 12,470 SH   SOLE   12,470 0 0
Cullen Frost Bankers Inc Common Stock 229899109   337,477 3,700 SH   SOLE   1,400 0 2,300
Cummins Inc. Common Stock 231021106   255,190 1,117 SH   SOLE   1,117 0 0
Danaher Corp. Common Stock 235851102   416,560 1,679 SH   SOLE   1,679 0 0
Deere & Co. Common Stock 244199105   872,503 2,312 SH   SOLE   1,466 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205   287,321 1,926 SH   SOLE   544 0 1,382
Disney Walt Co. Common Stock 254687106   1,089,069 13,437 SH   SOLE   9,660 0 3,777
Duke Energy Holding Corp. Common Stock 26441C204   1,074,654 12,176 SH   SOLE   9,976 0 2,200
Eastman Chemical Company Common Stock 277432100   408,304 5,322 SH   SOLE   5,322 0 0
Eaton Corp. Int'l Common Stock G29183103   1,380,775 6,474 SH   SOLE   5,763 0 711
Eli Lilly Co. Common Stock 532457108   1,171,481 2,181 SH   SOLE   2,181 0 0
Eli Lilly Co. Common Stock 532457108   80,570 150 SH   OTR   150 0 0
Emerson Electric Co. Common Stock 291011104   919,250 9,519 SH   SOLE   9,319 0 200
Enbridge Inc. Int'l Common Stock 29250N105   819,162 24,681 SH   SOLE   11,891 0 12,790
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   424,833 4,700 SH   SOLE   4,700 0 0
EOG Resources Inc. Common Stock 26875P101   263,534 2,079 SH   SOLE   2,079 0 0
Exxon Mobil Corp. Common Stock 30231G102   1,677,514 14,267 SH   SOLE   13,021 0 1,246
Fed Ex Corp. Common Stock 31428X106   935,168 3,530 SH   SOLE   2,108 0 1,422
Fifth Third Bancorp Common Stock 316773100   475,140 18,758 SH   SOLE   13,751 0 5,007
First Financial Bancorp Common Stock 320209109   344,882 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   4,375,946 82,332 SH   SOLE   79,503 0 2,829
Fiserv Inc. Common Stock 337738108   218,013 1,930 SH   SOLE   1,930 0 0
General Dynamics Corp. Common Stock 369550108   324,163 1,467 SH   SOLE   1,467 0 0
General Mills Inc. Common Stock 370334104   501,746 7,841 SH   SOLE   7,191 0 650
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   274,522 14,993 SH   SOLE   14,993 0 0
Grainger W W Inc. Common Stock 384802104   238,685 345 SH   SOLE   345 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,046,656 8,130 SH   SOLE   8,130 0 0
Hershey Company Common Stock 427866108   1,724,289 8,618 SH   SOLE   8,618 0 0
Home Depot Inc. Common Stock 437076102   840,005 2,780 SH   SOLE   2,723 0 57
Honeywell International Inc. Common Stock 438516106   835,764 4,524 SH   SOLE   4,393 0 131
Illinois Tool Works Inc. Common Stock 452308109   634,734 2,756 SH   SOLE   1,626 0 1,130
Intel Corp. Common Stock 458140100   1,132,516 31,857 SH   SOLE   30,748 0 1,109
International Business Machines Corp. Common Stock 459200101   492,453 3,510 SH   SOLE   3,235 0 275
Interpublic Group of Companies Common Stock 460690100   295,542 10,312 SH   SOLE   9,949 0 363
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   633,063 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   6,236,202 44,013 SH   SOLE   41,077 0 2,936
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   70,845 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   2,291,775 28,304 SH   SOLE   27,740 0 564
IShares Biotechnology ETF Exchange Traded Fund 464287556   272,707 2,230 SH   SOLE   2,230 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   957,199 2,229 SH   SOLE   2,229 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   1,794,753 19,085 SH   SOLE   15,190 0 3,895
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   465,042 6,425 SH   SOLE   6,425 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   6,517,022 136,941 SH   SOLE   133,248 0 3,693
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   13,556,679 210,671 SH   SOLE   205,265 0 5,406
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   506,650 5,000 SH   SOLE   5,000 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281   3,186,757 38,618 SH   SOLE   36,421 0 2,197
IShares MSCI India ETF International Equity ETF 46429B598   2,222,276 50,255 SH   SOLE   47,285 0 2,970
iShares Russell 1000 ETF Exchange Traded Fund 464287622   250,179 1,065 SH   SOLE   1,065 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   292,198 1,099 SH   SOLE   308 0 791
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   264,605 1,720 SH   SOLE   1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,783,102 7,151 SH   SOLE   6,047 0 1,104
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,127,338 11,951 SH   SOLE   11,551 0 400
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   3,287,231 34,900 SH   SOLE   34,900 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   666,870 9,676 SH   SOLE   8,576 0 1,100
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   233,127 6,143 SH   SOLE   6,143 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   928,062 5,251 SH   SOLE   5,101 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   5,676,325 23,163 SH   SOLE   22,863 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,628,685 23,519 SH   SOLE   20,867 0 2,652
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   220,554 2,049 SH   SOLE   1,549 0 500
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   242,142 3,085 SH   SOLE   3,085 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   411,857 1,525 SH   SOLE   1,525 0 0
Johnson & Johnson Common Stock 478160104   2,278,778 14,631 SH   SOLE   12,672 0 1,959
JP Morgan Chase Co. Common Stock 46625H100   1,937,467 13,360 SH   SOLE   12,006 0 1,354
Kroger Co. Common Stock 501044101   842,240 18,821 SH   SOLE   18,521 0 300
Lam Research Corp. Common Stock 512807108   1,561,911 2,492 SH   SOLE   2,449 0 43
LCNB Corp. Common Stock 50181P100   3,118,880 218,562 SH   SOLE   218,562 0 0
LCNB Corp. Common Stock 50181P100   3,936,237 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,136,091 2,778 SH   SOLE   2,703 0 75
Lowes Co Inc. Common Stock 548661107   2,324,898 11,186 SH   SOLE   9,190 0 1,996
Marathon Petroleum Corp. Common Stock 56585A102   300,561 1,986 SH   SOLE   1,986 0 0
Mastercard Inc. Common Stock 57636Q104   1,063,810 2,687 SH   SOLE   1,746 0 941
McCormick Co Inc. Common Stock 579780206   329,034 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101   1,330,372 5,050 SH   SOLE   4,067 0 983
Medtronic PLC Int'l Common Stock G5960L103   673,739 8,598 SH   SOLE   7,386 0 1,212
Merck and Co Inc. Common Stock 58933Y105   2,100,798 20,406 SH   SOLE   19,963 0 443
Microsoft Corp. Common Stock 594918104   8,584,611 27,188 SH   SOLE   21,645 0 5,543
Mondelez International Inc Common Stock 609207105   754,725 10,875 SH   SOLE   10,465 0 410
New Linde PLC Int'l Common Stock G54950103   667,251 1,792 SH   SOLE   454 0 1,338
NextEra Energy Inc. Common Stock 65339F101   500,371 8,734 SH   SOLE   8,234 0 500
Nike Inc. Common Stock 654106103   992,153 10,376 SH   SOLE   8,442 0 1,934
Norfolk Southern Corp. Common Stock 655844108   381,060 1,935 SH   SOLE   1,515 0 420
Novartis AG ADR Int'l Common Stock 66987V109   1,177,400 11,559 SH   SOLE   9,793 0 1,766
Nvidia Corp Common Stock 67066G104   1,639,912 3,770 SH   SOLE   3,570 0 200
NXP Semiconductors Int'l Common Stock N6596X109   282,887 1,415 SH   SOLE   1,415 0 0
Oracle Corporation Common Stock 68389X105   581,501 5,490 SH   SOLE   5,279 0 211
PayPal Holdings Inc. Common Stock 70450Y103   642,475 10,990 SH   SOLE   10,840 0 150
Pepsico Inc. Common Stock 713448108   2,550,072 15,050 SH   SOLE   12,866 0 2,184
Pfizer Inc. Common Stock 717081103   1,155,079 34,823 SH   SOLE   33,093 0 1,730
Phillips 66 Common Stock 718546104   343,028 2,855 SH   SOLE   2,855 0 0
Pioneer Natural Resources Co. Common Stock 723787107   342,489 1,492 SH   SOLE   1,322 0 170
PNC Financial Services Group Inc. Common Stock 693475105   287,650 2,343 SH   SOLE   2,100 0 243
Polaris Inc Common Stock 731068102   261,704 2,513 SH   SOLE   2,513 0 0
Procter & Gamble Co. Common Stock 742718109   9,604,881 65,850 SH   SOLE   63,737 0 2,113
Procter & Gamble Co. Common Stock 742718109   233,376 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102   519,713 5,477 SH   SOLE   5,352 0 125
RTX Corporation Common Stock 75513E101   499,717 6,943 SH   SOLE   5,345 0 1,598
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,088,817 21,565 SH   SOLE   21,311 0 254
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   483,432 6,832 SH   SOLE   6,057 0 775
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   10,051,140 138,217 SH   SOLE   131,027 0 7,190
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   9,165,954 142,196 SH   SOLE   135,696 0 6,500
Schwab US Large-Cap Exchange Traded Fund 808524201   356,325 7,042 SH   SOLE   7,042 0 0
Skyworks Solutions Inc Common Stock 83088M102   419,500 4,255 SH   SOLE   4,200 0 55
Southern Co. Common Stock 842587107   409,095 6,321 SH   SOLE   6,021 0 300
SPDR Gold TR Exchange Traded Fund 78463V107   1,089,908 6,357 SH   SOLE   5,820 0 537
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   4,500,509 10,528 SH   SOLE   10,528 0 0
SPDR S&P 500 Value Exchange Traded Fund 78464A508   206,300 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   810,536 1,775 SH   SOLE   1,775 0 0
Starbucks Corp. Common Stock 855244109   1,019,851 11,174 SH   SOLE   10,484 0 690
Stryker Corp. Common Stock 863667101   265,618 972 SH   SOLE   892 0 80
Sysco Corp. Common Stock 871829107   358,850 5,433 SH   SOLE   5,158 0 275
T Rowe Price Group Inc. Common Stock 74144T108   638,553 6,089 SH   SOLE   5,964 0 125
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   1,965,521 11,990 SH   SOLE   11,990 0 0
Tesla Inc. Common Stock 88160R101   1,068,439 4,270 SH   SOLE   4,270 0 0
Texas Instruments Inc. Common Stock 882508104   372,401 2,342 SH   SOLE   2,126 0 216
TJX Companies Inc. Common Stock 872540109   1,898,743 21,363 SH   SOLE   12,088 0 9,275
U.S. Bancorp Common Stock 902973304   1,997,915 60,433 SH   SOLE   56,427 0 4,006
United Health Group Inc. Common Stock 91324P102   223,860 444 SH   SOLE   415 0 29
United Parcel Service Inc Common Stock 911312106   913,554 5,861 SH   SOLE   5,702 0 159
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   246,974 5,649 SH   SOLE   5,649 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   393,795 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   993,381 17,382 SH   SOLE   0 0 17,382
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   312,120 4,358 SH   SOLE   0 0 4,358
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   230,400 4,000 SH   SOLE   4,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   265,513 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   343,384 10,595 SH   SOLE   9,510 0 1,085
Verizon Communications Inc. Common Stock 92343V104   53,347 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   298,553 1,298 SH   SOLE   1,202 0 96
Walmart Inc. Common Stock 931142103   841,872 5,264 SH   SOLE   4,914 0 350
Welltower Inc. Common Stock 95040Q104   329,564 4,023 SH   SOLE   3,904 0 119
WestRock Co. Common Stock 96145D105   683,959 19,105 SH   SOLE   18,780 0 325
Whirlpool Corp. Common Stock 963320106   383,318 2,867 SH   SOLE   2,867 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,636,383 27,196 SH   SOLE   24,996 0 2,200