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<infoTable><nameOfIssuer>3M Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>88579Y101</cusip><value>635236</value><shrsOrPrnAmt><sshPrnamt>4374</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4374</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Abbott Laboratories</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>002824100</cusip><value>1583069</value><shrsOrPrnAmt><sshPrnamt>15419</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9825</Sole><Shared>0</Shared><None>5594</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Abbvie Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>00287Y109</cusip><value>1723274</value><shrsOrPrnAmt><sshPrnamt>7923</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4461</Sole><Shared>0</Shared><None>3462</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Accenture PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G1151C101</cusip><value>983717</value><shrsOrPrnAmt><sshPrnamt>4961</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3230</Sole><Shared>0</Shared><None>1731</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Aflac Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>001055102</cusip><value>224247</value><shrsOrPrnAmt><sshPrnamt>2044</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2044</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Air Products &amp; Chemicals Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>009158106</cusip><value>462751</value><shrsOrPrnAmt><sshPrnamt>1593</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1507</Sole><Shared>0</Shared><None>86</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Alphabet Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>02079K107</cusip><value>6191142</value><shrsOrPrnAmt><sshPrnamt>21582</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16454</Sole><Shared>0</Shared><None>5128</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Alphabet Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>02079K305</cusip><value>6250404</value><shrsOrPrnAmt><sshPrnamt>21736</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18666</Sole><Shared>0</Shared><None>3070</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Amazon.com Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>023135106</cusip><value>2557347</value><shrsOrPrnAmt><sshPrnamt>12279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>American Electric Power Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>025537101</cusip><value>221918</value><shrsOrPrnAmt><sshPrnamt>1693</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1489</Sole><Shared>0</Shared><None>204</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>American Express Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>025816109</cusip><value>445553</value><shrsOrPrnAmt><sshPrnamt>1473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1276</Sole><Shared>0</Shared><None>197</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Amgen Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>031162100</cusip><value>2352117</value><shrsOrPrnAmt><sshPrnamt>6685</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4607</Sole><Shared>0</Shared><None>2078</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Analog Devices Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>032654105</cusip><value>1113808</value><shrsOrPrnAmt><sshPrnamt>3501</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1809</Sole><Shared>0</Shared><None>1692</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Apple Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>037833100</cusip><value>8664137</value><shrsOrPrnAmt><sshPrnamt>34139</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23380</Sole><Shared>0</Shared><None>10759</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Applied Materials</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>038222105</cusip><value>562586</value><shrsOrPrnAmt><sshPrnamt>1646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1646</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Automatic Data Processing</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>053015103</cusip><value>1127243</value><shrsOrPrnAmt><sshPrnamt>5548</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3740</Sole><Shared>0</Shared><None>1808</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Bank of America Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>060505104</cusip><value>453619</value><shrsOrPrnAmt><sshPrnamt>9305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Becton Dickinson and Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>075887109</cusip><value>483011</value><shrsOrPrnAmt><sshPrnamt>3072</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3072</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Berkshire Hathaway Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>084670702</cusip><value>2209591</value><shrsOrPrnAmt><sshPrnamt>4611</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2114</Sole><Shared>0</Shared><None>2497</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BlackRock, Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>09290D101</cusip><value>419306</value><shrsOrPrnAmt><sshPrnamt>436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>386</Sole><Shared>0</Shared><None>50</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Blackstone Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>09260D107</cusip><value>733636</value><shrsOrPrnAmt><sshPrnamt>6380</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6380</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Block Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>852234103</cusip><value>586454</value><shrsOrPrnAmt><sshPrnamt>9745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9745</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Boeing Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>097023105</cusip><value>396866</value><shrsOrPrnAmt><sshPrnamt>1994</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1544</Sole><Shared>0</Shared><None>450</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Booking Holdings Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>09857L108</cusip><value>214726</value><shrsOrPrnAmt><sshPrnamt>51</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>51</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Bristol-Myers Squibb Co</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>110122108</cusip><value>314774</value><shrsOrPrnAmt><sshPrnamt>5190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5190</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Broadcom Ltd.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>11135F101</cusip><value>5864595</value><shrsOrPrnAmt><sshPrnamt>18948</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18948</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>C H Robinson Worldwide Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>12541W209</cusip><value>341274</value><shrsOrPrnAmt><sshPrnamt>2055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2055</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Canadian Pacific Kansas City Limited</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>13646K108</cusip><value>321011</value><shrsOrPrnAmt><sshPrnamt>4081</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1917</Sole><Shared>0</Shared><None>2164</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cardinal Health Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>14149Y108</cusip><value>1038377</value><shrsOrPrnAmt><sshPrnamt>4914</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4914</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Caterpillar Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>149123101</cusip><value>1278062</value><shrsOrPrnAmt><sshPrnamt>1804</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1804</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Charles Schwab Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>808513105</cusip><value>728063</value><shrsOrPrnAmt><sshPrnamt>7747</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7747</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Chevron Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>166764100</cusip><value>2508130</value><shrsOrPrnAmt><sshPrnamt>12122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11313</Sole><Shared>0</Shared><None>809</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Chubb Ltd</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>H1467J104</cusip><value>1145970</value><shrsOrPrnAmt><sshPrnamt>3516</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2207</Sole><Shared>0</Shared><None>1309</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172062101</cusip><value>3536127</value><shrsOrPrnAmt><sshPrnamt>22473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22473</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cintas Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172908105</cusip><value>625818</value><shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cisco Systems Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>1357437</value><shrsOrPrnAmt><sshPrnamt>17495</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16209</Sole><Shared>0</Shared><None>1286</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Citigroup Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172967424</cusip><value>228748</value><shrsOrPrnAmt><sshPrnamt>2017</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1976</Sole><Shared>0</Shared><None>41</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Citizens Financial Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>174610105</cusip><value>348126</value><shrsOrPrnAmt><sshPrnamt>5805</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5805</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Coca-Cola Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>1085538</value><shrsOrPrnAmt><sshPrnamt>14274</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12367</Sole><Shared>0</Shared><None>1907</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>361258</value><shrsOrPrnAmt><sshPrnamt>12583</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11526</Sole><Shared>0</Shared><None>1057</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Conocophillips </nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20825C104</cusip><value>291060</value><shrsOrPrnAmt><sshPrnamt>2205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1951</Sole><Shared>0</Shared><None>254</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Corning Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>219350105</cusip><value>2512046</value><shrsOrPrnAmt><sshPrnamt>18475</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18475</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Costco Wholesale Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>22160K105</cusip><value>276011</value><shrsOrPrnAmt><sshPrnamt>277</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>277</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cullen Frost Bankers Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>229899109</cusip><value>383824</value><shrsOrPrnAmt><sshPrnamt>2800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>1800</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cummins Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>231021106</cusip><value>665531</value><shrsOrPrnAmt><sshPrnamt>1237</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1187</Sole><Shared>0</Shared><None>50</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Danaher Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>235851102</cusip><value>354931</value><shrsOrPrnAmt><sshPrnamt>1872</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1872</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Deere &amp; Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>244199105</cusip><value>1384591</value><shrsOrPrnAmt><sshPrnamt>2458</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1827</Sole><Shared>0</Shared><None>631</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Disney Walt Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>254687106</cusip><value>891611</value><shrsOrPrnAmt><sshPrnamt>9251</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8851</Sole><Shared>0</Shared><None>400</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Dominion Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>25746U109</cusip><value>335744</value><shrsOrPrnAmt><sshPrnamt>5431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5431</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Donaldson Company, Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>257651109</cusip><value>210053</value><shrsOrPrnAmt><sshPrnamt>2475</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2475</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Duke Energy Holding Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26441C204</cusip><value>1502183</value><shrsOrPrnAmt><sshPrnamt>11472</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9196</Sole><Shared>0</Shared><None>2276</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eastman Chemical Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>277432100</cusip><value>221481</value><shrsOrPrnAmt><sshPrnamt>2902</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2902</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eaton Corp.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G29183103</cusip><value>1274736</value><shrsOrPrnAmt><sshPrnamt>3564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3438</Sole><Shared>0</Shared><None>126</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EBay Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278642103</cusip><value>307557</value><shrsOrPrnAmt><sshPrnamt>3379</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3379</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Ecolab Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278865100</cusip><value>230107</value><shrsOrPrnAmt><sshPrnamt>865</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>865</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>1868053</value><shrsOrPrnAmt><sshPrnamt>2031</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2031</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Emerson Electric Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>291011104</cusip><value>1295526</value><shrsOrPrnAmt><sshPrnamt>9888</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9573</Sole><Shared>0</Shared><None>315</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Enbridge Inc.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>747403</value><shrsOrPrnAmt><sshPrnamt>13805</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10383</Sole><Shared>0</Shared><None>3422</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Energy Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y506</cusip><value>454427</value><shrsOrPrnAmt><sshPrnamt>7418</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7418</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EOG Resources Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26875P101</cusip><value>375593</value><shrsOrPrnAmt><sshPrnamt>2598</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2388</Sole><Shared>0</Shared><None>210</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Expedia Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30212P303</cusip><value>200643</value><shrsOrPrnAmt><sshPrnamt>869</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>869</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30231G102</cusip><value>2368284</value><shrsOrPrnAmt><sshPrnamt>13959</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11930</Sole><Shared>0</Shared><None>2029</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fed Ex Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>1339949</value><shrsOrPrnAmt><sshPrnamt>3762</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3732</Sole><Shared>0</Shared><None>30</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fifth Third Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>316773100</cusip><value>801667</value><shrsOrPrnAmt><sshPrnamt>17255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16687</Sole><Shared>0</Shared><None>568</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Financial Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>320209109</cusip><value>469666</value><shrsOrPrnAmt><sshPrnamt>16846</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16846</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Trust Long/Short Equity ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33739P103</cusip><value>6361388</value><shrsOrPrnAmt><sshPrnamt>90412</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>90412</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT Vest U.S. Equity Deep Buffer ETF - Oct</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33740F672</cusip><value>5521449</value><shrsOrPrnAmt><sshPrnamt>127140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>127140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT Vest US Equity Deep Buffer ETF - April</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33740U802</cusip><value>1187723</value><shrsOrPrnAmt><sshPrnamt>29869</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29869</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE Aerospace</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369604301</cusip><value>339389</value><shrsOrPrnAmt><sshPrnamt>1196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1071</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE Vernova LLC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>36828A101</cusip><value>278455</value><shrsOrPrnAmt><sshPrnamt>319</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>319</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>595487</value><shrsOrPrnAmt><sshPrnamt>1735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1722</Sole><Shared>0</Shared><None>13</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Mills Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>370334104</cusip><value>259870</value><shrsOrPrnAmt><sshPrnamt>6982</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6982</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Goldman Sachs Physical Gold ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>38150K103</cusip><value>431368</value><shrsOrPrnAmt><sshPrnamt>9339</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9339</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Grainger W W Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>384802104</cusip><value>321789</value><shrsOrPrnAmt><sshPrnamt>295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>295</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Graphic Packaging Holding Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>388689101</cusip><value>296967</value><shrsOrPrnAmt><sshPrnamt>29876</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29876</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>1204066</value><shrsOrPrnAmt><sshPrnamt>3661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3566</Sole><Shared>0</Shared><None>95</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516106</cusip><value>959045</value><shrsOrPrnAmt><sshPrnamt>4243</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4068</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>452308109</cusip><value>713975</value><shrsOrPrnAmt><sshPrnamt>2743</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1693</Sole><Shared>0</Shared><None>1050</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>458140100</cusip><value>571042</value><shrsOrPrnAmt><sshPrnamt>12940</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12440</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>International Business Machines Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459200101</cusip><value>1142384</value><shrsOrPrnAmt><sshPrnamt>4713</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4400</Sole><Shared>0</Shared><None>313</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco QQQ Trust Series</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090E103</cusip><value>1075286</value><shrsOrPrnAmt><sshPrnamt>1863</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1863</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco S&amp;P 500 Equal Weight ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46137V357</cusip><value>565780</value><shrsOrPrnAmt><sshPrnamt>2948</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2948</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares 1-3 Year Treasury Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287457</cusip><value>294362</value><shrsOrPrnAmt><sshPrnamt>3565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3565</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares 20 Year Treasury Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287432</cusip><value>541813</value><shrsOrPrnAmt><sshPrnamt>6250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Biotechnology ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287556</cusip><value>277758</value><shrsOrPrnAmt><sshPrnamt>1645</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1645</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Core S&amp;P 500 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287200</cusip><value>1494544</value><shrsOrPrnAmt><sshPrnamt>2288</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2288</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Core US Aggregate Bond Fund</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287226</cusip><value>2820062</value><shrsOrPrnAmt><sshPrnamt>28408</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28408</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Edge MSCI Min Vol USA ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46429B697</cusip><value>477611</value><shrsOrPrnAmt><sshPrnamt>5150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Europe ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287861</cusip><value>546917</value><shrsOrPrnAmt><sshPrnamt>8050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Floating Rate Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>46429B655</cusip><value>2248373</value><shrsOrPrnAmt><sshPrnamt>44129</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>44129</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. Core MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46434G103</cusip><value>444098</value><shrsOrPrnAmt><sshPrnamt>6367</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6367</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. TR Core MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46432F842</cusip><value>22861812</value><shrsOrPrnAmt><sshPrnamt>252533</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>252533</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares MSCI India ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46429B598</cusip><value>2587488</value><shrsOrPrnAmt><sshPrnamt>55241</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55241</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287622</cusip><value>843264</value><shrsOrPrnAmt><sshPrnamt>2365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>iShares Russell 1000 Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287614</cusip><value>427904</value><shrsOrPrnAmt><sshPrnamt>1004</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>996</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P 500 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287408</cusip><value>363178</value><shrsOrPrnAmt><sshPrnamt>1720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1720</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287507</cusip><value>2182772</value><shrsOrPrnAmt><sshPrnamt>32323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32323</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Small Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287804</cusip><value>1449082</value><shrsOrPrnAmt><sshPrnamt>11657</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11657</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Total US Stock Market ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287150</cusip><value>213645</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287465</cusip><value>1144580</value><shrsOrPrnAmt><sshPrnamt>11784</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11784</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287234</cusip><value>343068</value><shrsOrPrnAmt><sshPrnamt>6041</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6041</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 2000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287655</cusip><value>1342672</value><shrsOrPrnAmt><sshPrnamt>5414</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5414</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 3000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287689</cusip><value>8339559</value><shrsOrPrnAmt><sshPrnamt>22498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22348</Sole><Shared>0</Shared><None>150</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287499</cusip><value>2223933</value><shrsOrPrnAmt><sshPrnamt>22873</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19919</Sole><Shared>0</Shared><None>2954</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287481</cusip><value>263927</value><shrsOrPrnAmt><sshPrnamt>2060</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1580</Sole><Shared>0</Shared><None>480</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Select Dividend ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>394726</value><shrsOrPrnAmt><sshPrnamt>2607</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2607</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR US Home Construction ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464288752</cusip><value>206907</value><shrsOrPrnAmt><sshPrnamt>2285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2285</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares US Healthcare ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287762</cusip><value>246560</value><shrsOrPrnAmt><sshPrnamt>4000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>478160104</cusip><value>3182120</value><shrsOrPrnAmt><sshPrnamt>13018</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11667</Sole><Shared>0</Shared><None>1351</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Johnson Controls International PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G51502105</cusip><value>274209</value><shrsOrPrnAmt><sshPrnamt>2094</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2094</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP Morgan Chase Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>3362543</value><shrsOrPrnAmt><sshPrnamt>11431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9813</Sole><Shared>0</Shared><None>1618</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>501044101</cusip><value>1271438</value><shrsOrPrnAmt><sshPrnamt>17571</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17571</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lam Research Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>512807306</cusip><value>3975999</value><shrsOrPrnAmt><sshPrnamt>18609</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18609</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>3642183</value><shrsOrPrnAmt><sshPrnamt>233623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>233623</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>4300346</value><shrsOrPrnAmt><sshPrnamt>275840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>275840</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Leggett &amp; Platt Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>524660107</cusip><value>187720</value><shrsOrPrnAmt><sshPrnamt>19000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>1158616</value><shrsOrPrnAmt><sshPrnamt>1917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1917</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lowes Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>2070522</value><shrsOrPrnAmt><sshPrnamt>8763</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6723</Sole><Shared>0</Shared><None>2040</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Marathon Petroleum Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>56585A102</cusip><value>707878</value><shrsOrPrnAmt><sshPrnamt>2899</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2899</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mastercard Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>57636Q104</cusip><value>907882</value><shrsOrPrnAmt><sshPrnamt>1817</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>897</Sole><Shared>0</Shared><None>920</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McCormick Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>579780206</cusip><value>208973</value><shrsOrPrnAmt><sshPrnamt>4143</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3643</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McDonalds Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>580135101</cusip><value>1451389</value><shrsOrPrnAmt><sshPrnamt>4670</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3302</Sole><Shared>0</Shared><None>1368</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Medtronic PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>664779</value><shrsOrPrnAmt><sshPrnamt>7672</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7672</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Merck and Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>3268520</value><shrsOrPrnAmt><sshPrnamt>27172</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>26515</Sole><Shared>0</Shared><None>657</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Meta Platforms Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30303M102</cusip><value>513773</value><shrsOrPrnAmt><sshPrnamt>898</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>621</Sole><Shared>0</Shared><None>277</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Microsoft Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>594918104</cusip><value>9274137</value><shrsOrPrnAmt><sshPrnamt>25054</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19174</Sole><Shared>0</Shared><None>5880</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mondelez International Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>606661</value><shrsOrPrnAmt><sshPrnamt>10525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10075</Sole><Shared>0</Shared><None>450</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Morgan Stanley</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>617446448</cusip><value>351192</value><shrsOrPrnAmt><sshPrnamt>2134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2134</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>New Linde PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G54950103</cusip><value>771898</value><shrsOrPrnAmt><sshPrnamt>1557</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>128</Sole><Shared>0</Shared><None>1429</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NextEra Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>985364</value><shrsOrPrnAmt><sshPrnamt>10609</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10609</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>654106103</cusip><value>353313</value><shrsOrPrnAmt><sshPrnamt>6689</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6678</Sole><Shared>0</Shared><None>11</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>655844108</cusip><value>597247</value><shrsOrPrnAmt><sshPrnamt>2081</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1818</Sole><Shared>0</Shared><None>263</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Novartis AG ADR</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>66987V109</cusip><value>1412632</value><shrsOrPrnAmt><sshPrnamt>9248</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7393</Sole><Shared>0</Shared><None>1855</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nvidia Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>5961690</value><shrsOrPrnAmt><sshPrnamt>34184</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14184</Sole><Shared>0</Shared><None>20000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NXP Semiconductors </nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>N6596X109</cusip><value>319110</value><shrsOrPrnAmt><sshPrnamt>1621</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1621</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Omnicom Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>681919106</cusip><value>292429</value><shrsOrPrnAmt><sshPrnamt>3883</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3883</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Oracle Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>758499</value><shrsOrPrnAmt><sshPrnamt>5156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3922</Sole><Shared>0</Shared><None>1234</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>1603680</value><shrsOrPrnAmt><sshPrnamt>10327</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8012</Sole><Shared>0</Shared><None>2315</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pfizer Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>329856</value><shrsOrPrnAmt><sshPrnamt>11747</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11238</Sole><Shared>0</Shared><None>509</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Phillips 66</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>584616</value><shrsOrPrnAmt><sshPrnamt>3209</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3209</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PNC Financial Services Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>693475105</cusip><value>396411</value><shrsOrPrnAmt><sshPrnamt>1905</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1788</Sole><Shared>0</Shared><None>117</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>231104</value><shrsOrPrnAmt><sshPrnamt>1600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>1600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>7197879</value><shrsOrPrnAmt><sshPrnamt>49833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>43222</Sole><Shared>0</Shared><None>6611</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Prudential Financial Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>744320102</cusip><value>472527</value><shrsOrPrnAmt><sshPrnamt>4837</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4837</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Qualcomm Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>747525103</cusip><value>325556</value><shrsOrPrnAmt><sshPrnamt>2528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2505</Sole><Shared>0</Shared><None>23</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Realty Income Corp. REIT</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>756109104</cusip><value>288953</value><shrsOrPrnAmt><sshPrnamt>4723</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4723</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Regions Financial Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>7591EP100</cusip><value>280137</value><shrsOrPrnAmt><sshPrnamt>10725</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10725</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>1351457</value><shrsOrPrnAmt><sshPrnamt>7006</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4772</Sole><Shared>0</Shared><None>2234</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab Strategic US TIPS ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>808524870</cusip><value>1047423</value><shrsOrPrnAmt><sshPrnamt>39362</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>39016</Sole><Shared>0</Shared><None>346</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524300</cusip><value>18279891</value><shrsOrPrnAmt><sshPrnamt>627528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>627528</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524409</cusip><value>19921319</value><shrsOrPrnAmt><sshPrnamt>653158</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>653158</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large-Cap</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524201</cusip><value>541671</value><shrsOrPrnAmt><sshPrnamt>21126</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21126</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Mid-Cap</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524508</cusip><value>237773</value><shrsOrPrnAmt><sshPrnamt>7680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7680</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>83088M102</cusip><value>251792</value><shrsOrPrnAmt><sshPrnamt>4702</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4702</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Southern Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>842587107</cusip><value>515018</value><shrsOrPrnAmt><sshPrnamt>5336</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5317</Sole><Shared>0</Shared><None>19</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Gold TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>2175976</value><shrsOrPrnAmt><sshPrnamt>5057</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4620</Sole><Shared>0</Shared><None>437</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Trust ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>6825969</value><shrsOrPrnAmt><sshPrnamt>10496</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10091</Sole><Shared>0</Shared><None>405</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Value</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78464A508</cusip><value>353625</value><shrsOrPrnAmt><sshPrnamt>6250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P Mid Cap 400 ETF TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78467Y107</cusip><value>897386</value><shrsOrPrnAmt><sshPrnamt>1455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Starbucks Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>894646</value><shrsOrPrnAmt><sshPrnamt>9986</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9986</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Stryker Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>863667101</cusip><value>311503</value><shrsOrPrnAmt><sshPrnamt>948</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>948</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Sysco Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>871829107</cusip><value>488183</value><shrsOrPrnAmt><sshPrnamt>6844</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6569</Sole><Shared>0</Shared><None>275</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>T Rowe Price Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>74144T108</cusip><value>240494</value><shrsOrPrnAmt><sshPrnamt>2668</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2668</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Taiwan Semiconductor MFG Ltd</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>874039100</cusip><value>784044</value><shrsOrPrnAmt><sshPrnamt>2320</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2145</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Target Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>87612E106</cusip><value>221796</value><shrsOrPrnAmt><sshPrnamt>1830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1679</Sole><Shared>0</Shared><None>151</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Technology Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>435912</value><shrsOrPrnAmt><sshPrnamt>3280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3280</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>882508104</cusip><value>273932</value><shrsOrPrnAmt><sshPrnamt>1411</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1035</Sole><Shared>0</Shared><None>376</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>872540109</cusip><value>2415622</value><shrsOrPrnAmt><sshPrnamt>15126</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9119</Sole><Shared>0</Shared><None>6007</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tractor Supply Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>892356106</cusip><value>227361</value><shrsOrPrnAmt><sshPrnamt>5019</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5019</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>902973304</cusip><value>1993543</value><shrsOrPrnAmt><sshPrnamt>38330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35455</Sole><Shared>0</Shared><None>2875</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Union Pacific Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>907818108</cusip><value>363687</value><shrsOrPrnAmt><sshPrnamt>1499</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1404</Sole><Shared>0</Shared><None>95</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Utilities Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y886</cusip><value>240922</value><shrsOrPrnAmt><sshPrnamt>5250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4650</Sole><Shared>0</Shared><None>600</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Dividend Appreciation ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>921908844</cusip><value>1247348</value><shrsOrPrnAmt><sshPrnamt>5800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard FTSE Developed Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>921943858</cusip><value>607350</value><shrsOrPrnAmt><sshPrnamt>9478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9478</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard High Dividend Yield Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>921946406</cusip><value>558398</value><shrsOrPrnAmt><sshPrnamt>3770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>710</Sole><Shared>0</Shared><None>3060</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Intermediate-Term Treasury</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C706</cusip><value>1317306</value><shrsOrPrnAmt><sshPrnamt>22121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard International Equity Index Fund</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>922042858</cusip><value>385593</value><shrsOrPrnAmt><sshPrnamt>7134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6590</Sole><Shared>0</Shared><None>544</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Long-Term Corporate Bond</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C813</cusip><value>388245</value><shrsOrPrnAmt><sshPrnamt>5196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5196</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard S&amp;P 500 Index Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908363</cusip><value>497759</value><shrsOrPrnAmt><sshPrnamt>833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>833</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Small-Cap Index Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908751</cusip><value>491100</value><shrsOrPrnAmt><sshPrnamt>1875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1875</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Tax-Exempt Bond Index</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>922907746</cusip><value>272799</value><shrsOrPrnAmt><sshPrnamt>5468</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5468</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Total Stock Market Index</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908769</cusip><value>414807</value><shrsOrPrnAmt><sshPrnamt>1293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1293</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>603755</value><shrsOrPrnAmt><sshPrnamt>12027</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10770</Sole><Shared>0</Shared><None>1257</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>82629</value><shrsOrPrnAmt><sshPrnamt>1646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>1646</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Visa Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92826C839</cusip><value>385658</value><shrsOrPrnAmt><sshPrnamt>1276</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1006</Sole><Shared>0</Shared><None>270</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Walmart Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>1724882</value><shrsOrPrnAmt><sshPrnamt>13879</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12754</Sole><Shared>0</Shared><None>1125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEC Energy Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92939U106</cusip><value>268355</value><shrsOrPrnAmt><sshPrnamt>2318</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2218</Sole><Shared>0</Shared><None>100</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Welltower Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>95040Q104</cusip><value>670632</value><shrsOrPrnAmt><sshPrnamt>3392</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3392</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WisdomTree US Total Dividend Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>97717W109</cusip><value>2882956</value><shrsOrPrnAmt><sshPrnamt>33383</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33383</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
</informationTable>

