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

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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   393,115 3,596 SH   SOLE   3,596 0 0
Abbott Laboratories Common Stock 002824100   1,756,717 15,960 SH   SOLE   10,091 0 5,869
Abbvie Inc. Common Stock 00287Y109   1,127,097 7,273 SH   SOLE   3,732 0 3,541
Accenture PLC Int'l Common Stock G1151C101   1,330,651 3,792 SH   SOLE   1,891 0 1,901
Air Products & Chemicals Inc Common Stock 009158106   326,643 1,193 SH   SOLE   1,101 0 92
Alphabet Inc. Common Stock 02079K107   3,415,016 24,232 SH   SOLE   18,918 0 5,314
Alphabet Inc. Common Stock 02079K305   3,367,367 24,106 SH   SOLE   21,017 0 3,089
Amazon.com Inc Common Stock 023135106   1,978,715 13,023 SH   SOLE   13,023 0 0
American Express Co. Common Stock 025816109   329,156 1,757 SH   SOLE   1,545 0 212
Amgen Inc. Common Stock 031162100   2,106,578 7,314 SH   SOLE   4,809 0 2,505
Analog Devices Inc. Common Stock 032654105   691,783 3,484 SH   SOLE   1,776 0 1,708
Apple Inc. Common Stock 037833100   6,794,191 35,289 SH   SOLE   23,248 0 12,041
Applied Materials Common Stock 038222105   265,795 1,640 SH   SOLE   1,640 0 0
Automatic Data Processing Common Stock 053015103   1,197,000 5,138 SH   SOLE   3,286 0 1,852
Bank of America Corp. Common Stock 060505104   395,656 11,751 SH   SOLE   11,751 0 0
Becton Dickinson and Co. Common Stock 075887109   649,319 2,663 SH   SOLE   2,663 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,654,546 4,639 SH   SOLE   1,796 0 2,843
Blackrock Inc. Common Stock 09247X101   310,919 383 SH   SOLE   330 0 53
Blackstone Inc. Common Stock 09260D107   942,493 7,199 SH   SOLE   7,199 0 0
Boeing Co. Common Stock 097023105   1,099,985 4,220 SH   SOLE   3,770 0 450
Booking Holdings Inc. Common Stock 09857L108   255,400 72 SH   SOLE   72 0 0
BP PLC Int'l Common Stock 055622104   292,298 8,257 SH   SOLE   8,257 0 0
Bristol-Myers Squibb Co Common Stock 110122108   298,573 5,819 SH   SOLE   5,819 0 0
Broadcom Ltd. Common Stock 11135F101   3,201,405 2,868 SH   SOLE   2,868 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209   535,186 6,195 SH   SOLE   6,195 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   323,830 4,096 SH   SOLE   1,917 0 2,179
Cardinal Health Inc. Common Stock 14149Y108   628,286 6,233 SH   SOLE   6,233 0 0
Caterpillar Inc. Common Stock 149123101   684,180 2,314 SH   SOLE   2,314 0 0
Chevron Corporation Common Stock 166764100   3,015,269 20,215 SH   SOLE   19,345 0 870
Chubb Ltd Common Stock H1467J104   753,936 3,336 SH   SOLE   1,972 0 1,364
Cigna Group Common Stock 125523100   343,469 1,147 SH   SOLE   1,147 0 0
Cincinnati Financial Corp Common Stock 172062101   2,618,573 25,310 SH   SOLE   25,310 0 0
Cintas Corp. Common Stock 172908105   638,217 1,059 SH   SOLE   1,059 0 0
Cisco Systems Inc. Common Stock 17275R102   865,509 17,132 SH   SOLE   15,737 0 1,395
Coca-Cola Company Common Stock 191216100   896,090 15,206 SH   SOLE   13,097 0 2,109
Comcast Corp. Common Stock 20030N101   376,891 8,595 SH   SOLE   7,322 0 1,273
Conocophillips Common Stock 20825C104   259,649 2,237 SH   SOLE   1,961 0 276
Consumer Staples Select Sector SPDR TR Exchange Traded Fund 81369Y308   138,658 1,925 SH   SOLE   1,625 0 300
Consumer Staples Select Sector SPDR TR Exchange Traded Fund 81369Y308   72,030 1,000 SH   OTR   1,000 0 0
Corning Inc. Common Stock 219350105   506,079 16,620 SH   SOLE   16,620 0 0
Cullen Frost Bankers Inc Common Stock 229899109   401,413 3,700 SH   SOLE   1,000 0 2,700
Cummins Inc. Common Stock 231021106   255,621 1,067 SH   SOLE   1,017 0 50
Danaher Corp. Common Stock 235851102   412,017 1,781 SH   SOLE   1,781 0 0
Deere & Co. Common Stock 244199105   859,321 2,149 SH   SOLE   1,403 0 746
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205   280,541 1,926 SH   SOLE   50 0 1,876
Disney Walt Co. Common Stock 254687106   1,269,748 14,063 SH   SOLE   9,817 0 4,246
Duke Energy Holding Corp. Common Stock 26441C204   1,154,097 11,893 SH   SOLE   9,551 0 2,342
Eastman Chemical Company Common Stock 277432100   554,369 6,172 SH   SOLE   6,172 0 0
Eaton Corp. Int'l Common Stock G29183103   1,486,823 6,174 SH   SOLE   5,994 0 180
Eli Lilly Co. Common Stock 532457108   1,244,534 2,135 SH   SOLE   2,135 0 0
Eli Lilly Co. Common Stock 532457108   87,438 150 SH   OTR   150 0 0
Emerson Electric Co. Common Stock 291011104   907,018 9,319 SH   SOLE   9,004 0 315
Enbridge Inc. Int'l Common Stock 29250N105   509,359 14,141 SH   SOLE   10,308 0 3,833
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   417,104 4,975 SH   SOLE   4,975 0 0
EOG Resources Inc. Common Stock 26875P101   273,589 2,262 SH   SOLE   2,052 0 210
Exxon Mobil Corp. Common Stock 30231G102   1,444,411 14,447 SH   SOLE   12,345 0 2,102
FactSet Research Systems Inc. Common Stock 303075105   205,609 431 SH   SOLE   431 0 0
Fed Ex Corp. Common Stock 31428X106   876,541 3,465 SH   SOLE   1,805 0 1,660
Fifth Third Bancorp Common Stock 316773100   657,966 19,077 SH   SOLE   18,358 0 719
First Financial Bancorp Common Stock 320209109   417,905 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   4,981,317 88,541 SH   SOLE   88,541 0 0
Fiserv Inc. Common Stock 337738108   256,381 1,930 SH   SOLE   1,930 0 0
General Dynamics Corp. Common Stock 369550108   380,936 1,467 SH   SOLE   1,454 0 13
General Mills Inc. Common Stock 370334104   587,367 9,017 SH   SOLE   9,017 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   296,777 14,523 SH   SOLE   14,523 0 0
Grainger W W Inc. Common Stock 384802104   269,324 325 SH   SOLE   325 0 0
Graphic Packaging Holding Company Common Stock 388689101   742,236 30,111 SH   SOLE   30,111 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,108,769 8,130 SH   SOLE   8,130 0 0
Hershey Company Common Stock 427866108   1,606,740 8,618 SH   SOLE   8,618 0 0
Home Depot Inc. Common Stock 437076102   952,666 2,749 SH   SOLE   2,641 0 108
Honeywell International Inc. Common Stock 438516106   986,056 4,702 SH   SOLE   4,400 0 302
Illinois Tool Works Inc. Common Stock 452308109   721,907 2,756 SH   SOLE   1,706 0 1,050
Intel Corp. Common Stock 458140100   1,590,764 31,657 SH   SOLE   30,348 0 1,309
International Business Machines Corp. Common Stock 459200101   565,883 3,460 SH   SOLE   3,097 0 363
Interpublic Group of Companies Common Stock 460690100   360,933 11,058 SH   SOLE   11,058 0 0
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   723,622 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   6,988,015 44,284 SH   SOLE   44,284 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   78,900 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   586,668 7,151 SH   SOLE   7,151 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432   2,508,882 25,373 SH   SOLE   25,373 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556   254,040 1,870 SH   SOLE   1,870 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,012,098 2,119 SH   SOLE   2,119 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   2,309,051 23,265 SH   SOLE   23,265 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   460,377 5,900 SH   SOLE   5,900 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   7,108,513 140,540 SH   SOLE   140,540 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   15,280,231 217,203 SH   SOLE   217,203 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   733,320 7,000 SH   SOLE   7,000 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281   3,375,018 37,896 SH   SOLE   37,896 0 0
IShares MSCI India ETF International Equity ETF 46429B598   2,483,941 50,890 SH   SOLE   50,890 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   279,307 1,065 SH   SOLE   1,065 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   335,466 1,107 SH   SOLE   8 0 1,099
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   299,091 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879   211,294 2,050 SH   SOLE   2,050 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,933,676 6,977 SH   SOLE   6,977 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,260,680 11,646 SH   SOLE   11,646 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   3,672,527 34,900 SH   SOLE   34,900 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   729,087 9,676 SH   SOLE   9,676 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   247,010 6,143 SH   SOLE   6,143 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   1,028,839 5,126 SH   SOLE   5,126 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   6,337,902 23,153 SH   SOLE   22,853 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,819,342 23,406 SH   SOLE   19,958 0 3,448
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   240,184 2,049 SH   SOLE   2,049 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   313,837 3,085 SH   SOLE   3,085 0 0
IShares TR US Real Estate ETF Exchange Traded Fund 464287739   200,828 2,197 SH   SOLE   2,197 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   436,516 1,525 SH   SOLE   1,525 0 0
Johnson & Johnson Common Stock 478160104   2,328,216 14,854 SH   SOLE   12,660 0 2,194
JP Morgan Chase Co. Common Stock 46625H100   2,296,010 13,498 SH   SOLE   11,427 0 2,071
Juniper Networks Inc Common Stock 48203R104   308,066 10,450 SH   SOLE   10,450 0 0
Kroger Co. Common Stock 501044101   864,285 18,908 SH   SOLE   18,908 0 0
Lam Research Corp. Common Stock 512807108   1,875,124 2,394 SH   SOLE   2,394 0 0
LCNB Corp. Common Stock 50181P100   3,446,723 218,562 SH   SOLE   218,562 0 0
LCNB Corp. Common Stock 50181P100   4,349,997 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,259,101 2,778 SH   SOLE   2,778 0 0
Lowes Co Inc. Common Stock 548661107   2,450,276 11,010 SH   SOLE   8,390 0 2,620
Marathon Petroleum Corp. Common Stock 56585A102   282,329 1,903 SH   SOLE   1,903 0 0
Mastercard Inc. Common Stock 57636Q104   1,078,217 2,528 SH   SOLE   1,589 0 939
McCormick Co Inc. Common Stock 579780206   297,627 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101   1,500,934 5,062 SH   SOLE   3,642 0 1,420
Medtronic PLC Int'l Common Stock G5960L103   683,672 8,299 SH   SOLE   8,299 0 0
Merck and Co Inc. Common Stock 58933Y105   2,224,553 20,405 SH   SOLE   19,575 0 830
Meta Platforms Inc Common Stock 30303M102   307,237 868 SH   SOLE   573 0 295
Microsoft Corp. Common Stock 594918104   9,954,215 26,471 SH   SOLE   20,363 0 6,108
Mondelez International Inc Common Stock 609207105   774,277 10,690 SH   SOLE   10,009 0 681
New Linde PLC Int'l Common Stock G54950103   752,421 1,832 SH   SOLE   225 0 1,607
NextEra Energy Inc. Common Stock 65339F101   541,315 8,912 SH   SOLE   8,912 0 0
Nike Inc. Common Stock 654106103   1,126,197 10,373 SH   SOLE   8,412 0 1,961
Norfolk Southern Corp. Common Stock 655844108   457,395 1,935 SH   SOLE   1,167 0 768
Novartis AG ADR Int'l Common Stock 66987V109   1,149,442 11,384 SH   SOLE   9,518 0 1,866
Nvidia Corp Common Stock 67066G104   2,132,417 4,306 SH   SOLE   2,306 0 2,000
NXP Semiconductors Int'l Common Stock N6596X109   347,965 1,515 SH   SOLE   1,515 0 0
Oracle Corporation Common Stock 68389X105   599,159 5,683 SH   SOLE   4,242 0 1,441
PayPal Holdings Inc. Common Stock 70450Y103   716,225 11,663 SH   SOLE   11,663 0 0
Pepsico Inc. Common Stock 713448108   2,624,028 15,450 SH   SOLE   12,939 0 2,511
Pfizer Inc. Common Stock 717081103   1,030,106 35,780 SH   SOLE   34,770 0 1,010
Phillips 66 Common Stock 718546104   420,190 3,156 SH   SOLE   3,156 0 0
Pioneer Natural Resources Co. Common Stock 723787107   335,521 1,492 SH   SOLE   1,492 0 0
PNC Financial Services Group Inc. Common Stock 693475105   362,814 2,343 SH   SOLE   2,178 0 165
Polaris Inc Common Stock 731068102   266,114 2,808 SH   SOLE   2,808 0 0
Procter & Gamble Co. Common Stock 742718109   13,859,314 94,577 SH   SOLE   87,876 0 6,701
Procter & Gamble Co. Common Stock 742718109   234,464 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102   548,522 5,289 SH   SOLE   5,289 0 0
RTX Corporation Common Stock 75513E101   594,483 7,065 SH   SOLE   4,575 0 2,490
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,027,348 19,681 SH   SOLE   19,508 0 173
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   475,660 6,248 SH   SOLE   6,248 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   11,182,676 134,796 SH   SOLE   134,796 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   9,972,005 142,254 SH   SOLE   142,254 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201   397,169 7,042 SH   SOLE   7,042 0 0
Skyworks Solutions Inc Common Stock 83088M102   489,589 4,355 SH   SOLE   4,355 0 0
Southern Co. Common Stock 842587107   443,229 6,321 SH   SOLE   6,289 0 32
SPDR Gold TR Exchange Traded Fund 78463V107   1,215,268 6,357 SH   SOLE   5,920 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   4,980,298 10,478 SH   SOLE   10,073 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508   233,150 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   997,002 1,965 SH   SOLE   1,965 0 0
Starbucks Corp. Common Stock 855244109   1,075,600 11,203 SH   SOLE   11,203 0 0
Stryker Corp. Common Stock 863667101   291,075 972 SH   SOLE   972 0 0
Sysco Corp. Common Stock 871829107   403,970 5,524 SH   SOLE   5,249 0 275
T Rowe Price Group Inc. Common Stock 74144T108   655,724 6,089 SH   SOLE   6,089 0 0
Target Corporation Common Stock 87612E106   236,275 1,659 SH   SOLE   1,406 0 253
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,307,835 11,990 SH   SOLE   11,990 0 0
Tesla Inc. Common Stock 88160R101   1,061,010 4,270 SH   SOLE   4,270 0 0
Texas Instruments Inc. Common Stock 882508104   378,592 2,221 SH   SOLE   1,820 0 401
TJX Companies Inc. Common Stock 872540109   1,935,206 20,629 SH   SOLE   10,354 0 10,275
Tractor Supply Co. Common Stock 892356106   202,128 940 SH   SOLE   940 0 0
U.S. Bancorp Common Stock 902973304   2,688,251 62,113 SH   SOLE   58,748 0 3,365
Union Pacific Corp. Common Stock 907818108   209,268 852 SH   SOLE   701 0 151
United Health Group Inc. Common Stock 91324P102   252,706 480 SH   SOLE   431 0 49
United Parcel Service Inc Common Stock 911312106   920,896 5,857 SH   SOLE   5,798 0 59
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   270,587 5,649 SH   SOLE   5,649 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   425,468 3,811 SH   SOLE   710 0 3,101
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,071,319 18,060 SH   SOLE   18,060 0 0
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   389,048 4,854 SH   SOLE   4,854 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   233,320 4,000 SH   SOLE   4,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   296,525 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   384,804 10,207 SH   SOLE   8,646 0 1,561
Verizon Communications Inc. Common Stock 92343V104   62,054 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   333,769 1,282 SH   SOLE   984 0 298
Walmart Inc. Common Stock 931142103   815,839 5,175 SH   SOLE   4,532 0 643
Welltower Inc. Common Stock 95040Q104   362,754 4,023 SH   SOLE   4,023 0 0
Whirlpool Corp. Common Stock 963320106   355,203 2,917 SH   SOLE   2,917 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,715,963 26,246 SH   SOLE   26,246 0 0