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   381,428 3,596 SH   SOLE   3,596 0 0
Abbott Laboratories Common Stock 002824100   1,817,082 15,987 SH   SOLE   10,118 0 5,869
Abbvie Inc. Common Stock 00287Y109   1,322,312 7,261 SH   SOLE   3,732 0 3,529
Accenture PLC Int'l Common Stock G1151C101   1,355,938 3,912 SH   SOLE   2,011 0 1,901
Air Products & Chemicals Inc Common Stock 009158106   228,703 944 SH   SOLE   852 0 92
Alphabet Inc. Common Stock 02079K107   3,625,615 23,812 SH   SOLE   18,618 0 5,194
Alphabet Inc. Common Stock 02079K305   3,353,816 22,221 SH   SOLE   19,132 0 3,089
Amazon.com Inc Common Stock 023135106   2,303,994 12,773 SH   SOLE   12,773 0 0
American Express Co. Common Stock 025816109   378,421 1,662 SH   SOLE   1,450 0 212
Amgen Inc. Common Stock 031162100   2,065,300 7,264 SH   SOLE   4,759 0 2,505
Analog Devices Inc. Common Stock 032654105   689,100 3,484 SH   SOLE   1,776 0 1,708
Apple Inc. Common Stock 037833100   5,888,280 34,338 SH   SOLE   22,367 0 11,971
Applied Materials Common Stock 038222105   338,217 1,640 SH   SOLE   1,640 0 0
Automatic Data Processing Common Stock 053015103   1,271,676 5,092 SH   SOLE   3,240 0 1,852
Bank of America Corp. Common Stock 060505104   425,083 11,210 SH   SOLE   11,210 0 0
Becton Dickinson and Co. Common Stock 075887109   680,488 2,750 SH   SOLE   2,750 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,957,100 4,654 SH   SOLE   1,846 0 2,808
Blackrock Inc. Common Stock 09247X101   322,642 387 SH   SOLE   334 0 53
Blackstone Inc. Common Stock 09260D107   953,221 7,256 SH   SOLE   7,256 0 0
Block Inc Common Stock 852234103   827,615 9,785 SH   SOLE   9,785 0 0
Boeing Co. Common Stock 097023105   814,418 4,220 SH   SOLE   3,770 0 450
Booking Holdings Inc. Common Stock 09857L108   261,207 72 SH   SOLE   72 0 0
BP PLC Int'l Common Stock 055622104   311,124 8,257 SH   SOLE   8,257 0 0
Bristol-Myers Squibb Co Common Stock 110122108   282,593 5,211 SH   SOLE   5,211 0 0
Broadcom Ltd. Common Stock 11135F101   3,647,528 2,752 SH   SOLE   2,752 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209   334,635 4,395 SH   SOLE   4,395 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   361,144 4,096 SH   SOLE   1,917 0 2,179
Cardinal Health Inc. Common Stock 14149Y108   685,164 6,123 SH   SOLE   6,123 0 0
Caterpillar Inc. Common Stock 149123101   855,248 2,334 SH   SOLE   2,334 0 0
Charles Schwab Corp. Common Stock 808513105   502,329 6,944 SH   SOLE   6,944 0 0
Chevron Corporation Common Stock 166764100   3,177,515 20,144 SH   SOLE   9,424 0 10,720
Chubb Ltd Common Stock H1467J104   909,805 3,511 SH   SOLE   2,147 0 1,364
Cigna Group Common Stock 125523100   416,579 1,147 SH   SOLE   1,147 0 0
Cincinnati Financial Corp Common Stock 172062101   3,053,340 24,590 SH   SOLE   24,590 0 0
Cintas Corp. Common Stock 172908105   727,565 1,059 SH   SOLE   1,059 0 0
Cisco Systems Inc. Common Stock 17275R102   916,248 18,358 SH   SOLE   16,963 0 1,395
Coca-Cola Company Common Stock 191216100   894,329 14,618 SH   SOLE   12,509 0 2,109
Comcast Corp. Common Stock 20030N101   412,432 9,514 SH   SOLE   8,241 0 1,273
Conocophillips Common Stock 20825C104   284,725 2,237 SH   SOLE   1,961 0 276
Consumer Staples Select Sector SPDR TR Exchange Traded Fund 81369Y308   146,993 1,925 SH   SOLE   1,625 0 300
Consumer Staples Select Sector SPDR TR Exchange Traded Fund 81369Y308   76,360 1,000 SH   OTR   1,000 0 0
Corning Inc. Common Stock 219350105   598,883 18,170 SH   SOLE   18,170 0 0
Cullen Frost Bankers Inc Common Stock 229899109   416,509 3,700 SH   SOLE   1,000 0 2,700
Cummins Inc. Common Stock 231021106   314,392 1,067 SH   SOLE   1,017 0 50
Danaher Corp. Common Stock 235851102   444,751 1,781 SH   SOLE   1,781 0 0
Deere & Co. Common Stock 244199105   1,043,280 2,540 SH   SOLE   1,794 0 746
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205   233,224 1,568 SH   SOLE   127 0 1,441
Disney Walt Co. Common Stock 254687106   1,274,135 10,413 SH   SOLE   9,217 0 1,196
Dominion Energy Inc. Common Stock 25746U109   212,796 4,326 SH   SOLE   4,326 0 0
Donaldson Company, Inc. Common Stock 257651109   207,237 2,775 SH   SOLE   2,775 0 0
Duke Energy Holding Corp. Common Stock 26441C204   1,155,007 11,943 SH   SOLE   9,601 0 2,342
Eastman Chemical Company Common Stock 277432100   628,881 6,275 SH   SOLE   6,275 0 0
Eaton Corp. Int'l Common Stock G29183103   1,863,260 5,959 SH   SOLE   5,779 0 180
Ecolab Inc. Common Stock 278865100   211,274 915 SH   SOLE   915 0 0
Eli Lilly Co. Common Stock 532457108   116,694 150 SH   OTR   150 0 0
Eli Lilly Co. Common Stock 532457108   1,660,945 2,135 SH   SOLE   2,135 0 0
Emerson Electric Co. Common Stock 291011104   1,056,961 9,319 SH   SOLE   9,004 0 315
Enbridge Inc. Int'l Common Stock 29250N105   502,685 13,894 SH   SOLE   10,061 0 3,833
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   422,485 4,475 SH   SOLE   4,475 0 0
EOG Resources Inc. Common Stock 26875P101   268,720 2,102 SH   SOLE   1,892 0 210
Exxon Mobil Corp. Common Stock 30231G102   1,679,319 14,447 SH   SOLE   5,945 0 8,502
Fed Ex Corp. Common Stock 31428X106   999,603 3,450 SH   SOLE   1,790 0 1,660
Fifth Third Bancorp Common Stock 316773100   686,487 18,449 SH   SOLE   17,730 0 719
First Financial Bancorp Common Stock 320209109   394,502 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   5,903,082 95,736 SH   SOLE   95,736 0 0
Fiserv Inc. Common Stock 337738108   281,283 1,760 SH   SOLE   1,760 0 0
General Dynamics Corp. Common Stock 369550108   516,109 1,827 SH   SOLE   1,814 0 13
General Mills Inc. Common Stock 370334104   617,975 8,832 SH   SOLE   8,832 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   319,361 14,523 SH   SOLE   14,523 0 0
Grainger W W Inc. Common Stock 384802104   320,450 315 SH   SOLE   315 0 0
Graphic Packaging Holding Company Common Stock 388689101   945,665 32,408 SH   SOLE   32,408 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,201,045 8,130 SH   SOLE   430 0 7,700
Hershey Company Common Stock 427866108   1,683,981 8,658 SH   SOLE   258 0 8,400
Home Depot Inc. Common Stock 437076102   1,078,300 2,811 SH   SOLE   2,712 0 99
Honeywell International Inc. Common Stock 438516106   980,890 4,779 SH   SOLE   4,477 0 302
Illinois Tool Works Inc. Common Stock 452308109   783,524 2,920 SH   SOLE   1,870 0 1,050
Intel Corp. Common Stock 458140100   1,349,482 30,552 SH   SOLE   29,293 0 1,259
International Business Machines Corp. Common Stock 459200101   618,710 3,240 SH   SOLE   2,877 0 363
Interpublic Group of Companies Common Stock 460690100   371,264 11,378 SH   SOLE   11,378 0 0
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   870,260 1,960 SH   SOLE   1,960 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   7,809,312 46,108 SH   SOLE   46,108 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   84,685 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   431,798 5,280 SH   SOLE   5,280 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432   3,374,149 35,660 SH   SOLE   35,660 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556   256,601 1,870 SH   SOLE   1,870 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,429,460 2,719 SH   SOLE   2,719 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   2,323,627 23,725 SH   SOLE   23,725 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   451,332 5,400 SH   SOLE   5,400 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   7,463,063 144,633 SH   SOLE   144,633 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   16,246,238 218,893 SH   SOLE   218,893 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   727,860 7,000 SH   SOLE   7,000 0 0
IShares JP Morgan Emerging Markets Bond ETF Fixed Income ETF 464288281   3,667,772 40,903 SH   SOLE   40,903 0 0
IShares MSCI India ETF International Equity ETF 46429B598   2,717,194 52,669 SH   SOLE   52,669 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   306,752 1,065 SH   SOLE   1,065 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   372,955 1,107 SH   SOLE   8 0 1,099
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   321,313 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879   210,658 2,050 SH   SOLE   2,050 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   2,094,619 34,485 SH   SOLE   34,485 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,311,762 11,869 SH   SOLE   11,869 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   3,862,550 33,500 SH   SOLE   33,500 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   830,863 10,404 SH   SOLE   10,404 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   246,192 5,993 SH   SOLE   5,993 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   1,077,998 5,126 SH   SOLE   5,126 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   6,940,250 23,128 SH   SOLE   22,828 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   2,006,885 23,866 SH   SOLE   20,663 0 3,203
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   266,685 2,165 SH   SOLE   2,165 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   357,150 3,085 SH   SOLE   3,085 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   471,988 7,625 SH   SOLE   7,625 0 0
Johnson & Johnson Common Stock 478160104   2,363,042 14,938 SH   SOLE   12,764 0 2,174
JP Morgan Chase Co. Common Stock 46625H100   2,609,508 13,028 SH   SOLE   11,230 0 1,798
Juniper Networks Inc Common Stock 48203R104   409,513 11,050 SH   SOLE   11,050 0 0
Kroger Co. Common Stock 501044101   1,087,355 19,033 SH   SOLE   19,033 0 0
Lam Research Corp. Common Stock 512807108   2,287,076 2,354 SH   SOLE   2,354 0 0
LCNB Corp. Common Stock 50181P100   3,627,338 227,562 SH   SOLE   227,562 0 0
LCNB Corp. Common Stock 50181P100   4,396,890 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,181,297 2,597 SH   SOLE   2,597 0 0
Lowes Co Inc. Common Stock 548661107   2,785,982 10,937 SH   SOLE   8,317 0 2,620
Marathon Petroleum Corp. Common Stock 56585A102   383,455 1,903 SH   SOLE   1,903 0 0
Mastercard Inc. Common Stock 57636Q104   1,208,259 2,509 SH   SOLE   1,589 0 920
McCormick Co Inc. Common Stock 579780206   356,629 4,643 SH   SOLE   4,143 0 500
McDonalds Corp. Common Stock 580135101   1,442,738 5,117 SH   SOLE   3,697 0 1,420
Medtronic PLC Int'l Common Stock G5960L103   712,800 8,179 SH   SOLE   8,179 0 0
Merck and Co Inc. Common Stock 58933Y105   2,640,979 20,015 SH   SOLE   19,186 0 829
Meta Platforms Inc Common Stock 30303M102   421,483 868 SH   SOLE   573 0 295
Microsoft Corp. Common Stock 594918104   10,820,048 25,718 SH   SOLE   19,665 0 6,053
Mondelez International Inc Common Stock 609207105   746,970 10,671 SH   SOLE   9,990 0 681
New Linde PLC Int'l Common Stock G54950103   850,634 1,832 SH   SOLE   225 0 1,607
NextEra Energy Inc. Common Stock 65339F101   590,848 9,245 SH   SOLE   9,245 0 0
Nike Inc. Common Stock 654106103   992,617 10,562 SH   SOLE   8,601 0 1,961
Norfolk Southern Corp. Common Stock 655844108   493,173 1,935 SH   SOLE   1,167 0 768
Novartis AG ADR Int'l Common Stock 66987V109   1,045,555 10,809 SH   SOLE   8,943 0 1,866
Nvidia Corp Common Stock 67066G104   3,717,246 4,114 SH   SOLE   2,114 0 2,000
NXP Semiconductors Int'l Common Stock N6596X109   405,104 1,635 SH   SOLE   1,635 0 0
Omnicom Group Inc. Common Stock 681919106   222,548 2,300 SH   SOLE   2,300 0 0
Oracle Corporation Common Stock 68389X105   707,561 5,633 SH   SOLE   4,242 0 1,391
Pepsico Inc. Common Stock 713448108   2,684,828 15,341 SH   SOLE   7,130 0 8,211
Pfizer Inc. Common Stock 717081103   1,016,760 36,640 SH   SOLE   35,996 0 644
Phillips 66 Common Stock 718546104   534,448 3,272 SH   SOLE   3,272 0 0
Pioneer Natural Resources Co. Common Stock 723787107   378,262 1,441 SH   SOLE   1,441 0 0
PNC Financial Services Group Inc. Common Stock 693475105   378,629 2,343 SH   SOLE   2,178 0 165
Polaris Inc Common Stock 731068102   301,962 3,016 SH   SOLE   3,016 0 0
Procter & Gamble Co. Common Stock 742718109   259,600 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109   13,409,314 82,646 SH   SOLE   75,945 0 6,701
Prudential Financial Inc. Common Stock 744320102   620,929 5,289 SH   SOLE   5,289 0 0
RTX Corporation Common Stock 75513E101   703,035 7,208 SH   SOLE   4,718 0 2,490
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,026,561 19,681 SH   SOLE   19,508 0 173
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   515,871 6,398 SH   SOLE   6,398 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   12,942,599 139,588 SH   SOLE   139,588 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   11,642,112 153,226 SH   SOLE   153,226 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201   437,027 7,042 SH   SOLE   7,042 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508   208,461 2,560 SH   SOLE   2,560 0 0
Skyworks Solutions Inc Common Stock 83088M102   572,471 5,285 SH   SOLE   5,285 0 0
Southern Co. Common Stock 842587107   453,469 6,321 SH   SOLE   6,289 0 32
SPDR Gold TR Exchange Traded Fund 78463V107   1,271,761 6,182 SH   SOLE   5,745 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   5,470,789 10,459 SH   SOLE   10,054 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508   250,500 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   1,073,852 1,930 SH   SOLE   1,930 0 0
SPDR S&P Regional Banking ETF Exchange Traded Fund 78464A698   224,701 4,469 SH   SOLE   4,469 0 0
Starbucks Corp. Common Stock 855244109   1,016,988 11,128 SH   SOLE   11,128 0 0
Stryker Corp. Common Stock 863667101   347,850 972 SH   SOLE   972 0 0
Sysco Corp. Common Stock 871829107   448,438 5,524 SH   SOLE   5,249 0 275
T Rowe Price Group Inc. Common Stock 74144T108   257,251 2,110 SH   SOLE   2,110 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100   201,898 1,484 SH   SOLE   1,309 0 175
Target Corporation Common Stock 87612E106   320,573 1,809 SH   SOLE   1,556 0 253
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,476,330 11,890 SH   SOLE   1,540 0 10,350
Tesla Inc. Common Stock 88160R101   750,623 4,270 SH   SOLE   4,270 0 0
Texas Instruments Inc. Common Stock 882508104   284,485 1,633 SH   SOLE   1,232 0 401
TJX Companies Inc. Common Stock 872540109   1,908,623 18,819 SH   SOLE   9,904 0 8,915
Tractor Supply Co. Common Stock 892356106   272,189 1,040 SH   SOLE   1,040 0 0
U.S. Bancorp Common Stock 902973304   2,815,653 62,990 SH   SOLE   35,625 0 27,365
Union Pacific Corp. Common Stock 907818108   209,532 852 SH   SOLE   701 0 151
United Health Group Inc. Common Stock 91324P102   233,498 472 SH   SOLE   425 0 47
United Parcel Service Inc Common Stock 911312106   857,744 5,771 SH   SOLE   5,713 0 58
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   333,580 6,649 SH   SOLE   6,649 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   461,143 3,811 SH   SOLE   710 0 3,101
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,121,818 19,160 SH   SOLE   19,160 0 0
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   379,728 4,854 SH   SOLE   4,854 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   1,103,330 19,000 SH   SOLE   19,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   324,875 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   427,069 10,178 SH   SOLE   8,617 0 1,561
Verizon Communications Inc. Common Stock 92343V104   69,066 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   285,499 1,023 SH   SOLE   725 0 298
Walmart Inc. Common Stock 931142103   940,216 15,626 SH   SOLE   13,697 0 1,929
Welltower Inc. Common Stock 95040Q104   371,237 3,973 SH   SOLE   3,973 0 0
Whirlpool Corp. Common Stock 963320106   348,961 2,917 SH   SOLE   2,917 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,813,685 25,646 SH   SOLE   25,646 0 0