The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES COMMON STOCK 002824100   508,882 4,635 SH   DFND 1 4,635 0 0
ABBVIE INC COMMON STOCK 00287Y109   532,180 3,293 SH   DFND 1 3,293 0 0
ABBVIE INC COMMON STOCK 00287Y109   16,161 100 SH   OTR 1 100 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   276,729 3,615 SH   DFND 1 3,615 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   9,875 129 SH   OTR 1 129 0 0
ADOBE INC COMMON STOCK 00724F101   211,677 629 SH   DFND 1 629 0 0
ADOBE INC COMMON STOCK 00724F101   7,067 21 SH   OTR 1 21 0 0
AIR TRANSPORT SERVICES GROUP COMMON STOCK 00922R105   242,445 9,332 SH   DFND 1 9,332 0 0
ALPHABET INC COMMON STOCK 02079K305   560,437 6,352 SH   DFND 1 6,352 0 0
ALPHABET INC COMMON STOCK 02079K305   12,352 140 SH   OTR 1 140 0 0
AMAZON COM INC COMMON STOCK 023135106   767,508 9,137 SH   DFND 1 9,137 0 0
AMAZON COM INC COMMON STOCK 023135106   6,720 80 SH   OTR 1 80 0 0
AMGEN INC COMMON STOCK 031162100   205,385 782 SH   DFND 1 782 0 0
APPLE INC COMMON STOCK 037833100   3,988,336 30,696 SH   DFND 1 30,696 0 0
APPLE INC COMMON STOCK 037833100   163,322 1,257 SH   OTR 1 1,257 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   296,523 3,045 SH   DFND 1 3,045 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   37,491 385 SH   OTR 1 385 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   264,316 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   928,585 28,037 SH   DFND 1 28,037 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204   887,704 48,775 SH   DFND 1 8,494 0 40,281
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   496,026 6,894 SH   DFND 1 6,894 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   48,207 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   488,121 873 SH   DFND 1 873 0 0
CSX CORP COMMON STOCK 126408103   840,862 27,142 SH   DFND 1 27,142 0 0
CSX CORP COMMON STOCK 126408103   48,639 1,570 SH   OTR 1 1,570 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   607,226 6,516 SH   DFND 1 6,516 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   246,865 728 SH   DFND 1 728 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   4,777,669 26,618 SH   DFND 1 26,618 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   26,924 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   322,428 6,768 SH   DFND 1 6,768 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   21,438 450 SH   OTR 1 450 0 0
CINTAS CORPORATION COMMON STOCK 172908105   289,037 640 SH   DFND 1 640 0 0
CITIGROUP INC COMMON STOCK 172967424   193,810 4,285 SH   DFND 1 4,285 0 0
CITIGROUP INC COMMON STOCK 172967424   9,046 200 SH   OTR 1 200 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105   264,606 6,721 SH   DFND 1 6,721 0 0
COCA COLA COMMON STOCK 191216100   405,706 6,378 SH   DFND 1 6,378 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   320,370 2,715 SH   DFND 1 2,715 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   20,060 170 SH   OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105   203,235 6,363 SH   DFND 1 6,193 0 170
CORNING INC COMMON STOCK 219350105   9,582 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   673,799 1,476 SH   DFND 1 1,476 0 0
D R HORTON INC COMMON STOCK 23331A109   358,344 4,020 SH   DFND 1 4,020 0 0
DANAHER CORP COMMON STOCK 235851102   527,923 1,989 SH   DFND 1 1,989 0 0
DANAHER CORP COMMON STOCK 235851102   13,536 51 SH   OTR 1 51 0 0
DEERE & CO COMMON STOCK 244199105   1,446,636 3,374 SH   DFND 1 3,374 0 0
ESCALADE INC COMMON STOCK 296056104   719,034 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   2,011,321 18,235 SH   DFND 1 18,235 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   93,755 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   425,768 3,538 SH   DFND 1 3,538 0 0
FISERV COMMON STOCK 337738108   825,238 8,165 SH   DFND 1 8,165 0 0
GENERAL DYNAMICS COMMON STOCK 369550108   421,787 1,700 SH   DFND 1 1,700 0 0
GENUINE PARTS CO COMMON STOCK 372460105   770,734 4,442 SH   DFND 1 4,442 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,139,938 3,609 SH   DFND 1 3,609 0 0
HOME DEPOT INC COMMON STOCK 437076102   39,483 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   243,016 1,134 SH   DFND 1 1,134 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   213,472 969 SH   DFND 1 969 0 0
IBM COMMON STOCK 459200101   361,807 2,568 SH   DFND 1 2,568 0 0
IBM COMMON STOCK 459200101   56,356 400 SH   OTR 1 400 0 0
INVESCO MUTUAL FUNDS - 46137V357   260,747 1,846 SH   DFND 1 1,846 0 0
INVESCO MUTUAL FUNDS - 46138G508   953,889 46,463 SH   DFND 1 46,463 0 0
INVESCO MUTUAL FUNDS - 46138G508   6,241 304 SH   OTR 1 304 0 0
ISHARES MUTUAL FUNDS - 464287101   290,822 1,705 SH   DFND 1 1,705 0 0
ISHARES MUTUAL FUNDS - 464287168   691,038 5,730 SH   DFND 1 5,730 0 0
ISHARES MUTUAL FUNDS - 464287200   11,796,788 30,704 SH   DFND 1 30,704 0 0
ISHARES MUTUAL FUNDS - 464287200   175,968 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287234   532,762 14,057 SH   DFND 1 14,057 0 0
ISHARES MUTUAL FUNDS - 464287309   5,651,007 96,598 SH   DFND 1 96,598 0 0
ISHARES MUTUAL FUNDS - 464287309   68,972 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   1,704,863 11,752 SH   DFND 1 11,752 0 0
ISHARES MUTUAL FUNDS - 464287457   2,047,024 25,219 SH   DFND 1 25,219 0 0
ISHARES MUTUAL FUNDS - 464287465   1,326,190 20,204 SH   DFND 1 20,204 0 0
ISHARES MUTUAL FUNDS - 464287499   2,001,310 29,671 SH   DFND 1 29,671 0 0
ISHARES MUTUAL FUNDS - 464287499   57,467 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,082,729 37,549 SH   DFND 1 37,234 0 315
ISHARES MUTUAL FUNDS - 464287622   3,009,593 14,296 SH   DFND 1 14,296 0 0
ISHARES MUTUAL FUNDS - 464287655   232,423 1,333 SH   DFND 1 1,333 0 0
ISHARES MUTUAL FUNDS - 464287689   210,970 956 SH   DFND 1 956 0 0
ISHARES MUTUAL FUNDS - 464287804   5,261,798 55,598 SH   DFND 1 54,998 0 600
ISHARES MUTUAL FUNDS - 464287804   15,332 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   462,176 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   495,422 6,901 SH   DFND 1 5,469 0 1,432
ISHARES MUTUAL FUNDS - 464288588   349,575 3,769 SH   DFND 1 3,769 0 0
ISHARES MUTUAL FUNDS - 464288638   3,015,700 60,911 SH   DFND 1 60,911 0 0
ISHARES MUTUAL FUNDS - 464288638   17,873 361 SH   OTR 1 361 0 0
ISHARES MUTUAL FUNDS - 464288646   1,884,840 37,833 SH   DFND 1 37,833 0 0
ISHARES MUTUAL FUNDS - 464288646   19,031 382 SH   OTR 1 382 0 0
ISHARES MUTUAL FUNDS - 464288661   958,527 8,343 SH   DFND 1 8,343 0 0
ISHARES MUTUAL FUNDS - 464288661   483,572 4,209 SH   OTR 1 4,209 0 0
ISHARES MUTUAL FUNDS - 464288802   494,414 6,006 SH   DFND 1 4,358 0 1,648
ISHARES MUTUAL FUNDS - 46432F842   1,335,184 21,661 SH   DFND 1 21,661 0 0
ISHARES MUTUAL FUNDS - 46432F842   41,730 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   5,002,239 107,714 SH   DFND 1 107,714 0 0
ISHARES MUTUAL FUNDS - 46432F859   37,849 815 SH   OTR 1 815 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,669,149 12,447 SH   DFND 1 12,258 0 189
JP MORGAN CHASE & CO COMMON STOCK 46625H100   26,820 200 SH   OTR 1 200 0 0
JP MORGAN MUTUAL FUNDS - 46641Q332   310,975 5,707 SH   DFND 1 5,707 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,410,024 7,982 SH   DFND 1 7,982 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   68,894 390 SH   OTR 1 390 0 0
KROGER CO COMMON STOCK 501044101   335,019 7,515 SH   DFND 1 7,515 0 0
LENNOX INTL COMMON STOCK 526107107   541,617 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   933,624 2,552 SH   DFND 1 2,552 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   216,487 445 SH   DFND 1 445 0 0
LOWES COMPANY COMMON STOCK 548661107   731,212 3,670 SH   DFND 1 3,670 0 0
MCDONALDS COMMON STOCK 580135101   855,420 3,246 SH   DFND 1 3,246 0 0
MCDONALDS COMMON STOCK 580135101   19,765 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,011,533 9,117 SH   DFND 1 9,117 0 0
MERCK & CO COMMON STOCK 58933Y105   95,972 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   362,213 5,005 SH   DFND 1 5,005 0 0
METLIFE COMMON STOCK 59156R108   10,856 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,069,649 8,630 SH   DFND 1 8,630 0 0
MICROSOFT CORP COMMON STOCK 594918104   15,588 65 SH   OTR 1 65 0 0
MORGAN STANLEY COMMON STOCK 617446448   405,122 4,765 SH   DFND 1 4,765 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   558,868 6,685 SH   DFND 1 6,685 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   251,361 1,720 SH   DFND 1 1,720 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   12,276 84 SH   OTR 1 84 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105   227,267 3,608 SH   DFND 1 3,608 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   208,819 2,560 SH   DFND 1 2,560 0 0
ONEOK INC COMMON STOCK 682680103   261,158 3,975 SH   DFND 1 3,975 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   790,182 9,667 SH   DFND 1 9,667 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   286,688 2,280 SH   DFND 1 2,280 0 0
PAYCHEX INC COMMON STOCK 704326107   217,946 1,886 SH   DFND 1 1,886 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   17,193,439 608,617 SH   DFND 1 16,689 591,928 0
PEOPLES BANCORP INC COMMON STOCK 709789101   2,825 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   892,464 4,940 SH   DFND 1 4,940 0 0
PEPSICO INC COMMON STOCK 713448108   34,687 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   338,748 6,611 SH   DFND 1 6,611 0 0
PFIZER INC COMMON STOCK 717081103   85,827 1,675 SH   OTR 1 1,675 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   221,853 2,192 SH   DFND 1 2,192 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   31,375 310 SH   OTR 1 310 0 0
PHILLIPS 66 COMMON STOCK 718546104   824,833 7,925 SH   DFND 1 7,925 0 0
PHILLIPS 66 COMMON STOCK 718546104   10,408 100 SH   OTR 1 100 0 0
PIONEER NATURAL RESOURCES COMMON STOCK 723787107   203,950 893 SH   DFND 1 893 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   3,105,464 20,490 SH   DFND 1 20,490 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   147,619 974 SH   OTR 1 974 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   244,503 1,885 SH   DFND 1 1,885 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   367,903 3,699 SH   DFND 1 3,699 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   9,946 100 SH   OTR 1 100 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   245,034 2,428 SH   DFND 1 2,428 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   10,092 100 SH   OTR 1 100 0 0
RIO TINTO PLC ADR COMMON STOCK 767204100   249,556 3,505 SH   DFND 1 3,505 0 0
SPDR MUTUAL FUNDS - 78462F103   5,637,783 14,742 SH   DFND 1 14,742 0 0
SPDR MUTUAL FUNDS - 78464A474   235,040 8,000 SH   DFND 1 8,000 0 0
SPDR MUTUAL FUNDS - 78464A763   761,045 6,083 SH   DFND 1 6,083 0 0
SPDR MUTUAL FUNDS - 78464A763   110,222 881 SH   OTR 1 881 0 0
SPDR MUTUAL FUNDS - 78468R408   384,252 15,852 SH   DFND 1 15,852 0 0
SPDR MUTUAL FUNDS - 78468R408   220,439 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524797   5,333,957 70,611 SH   DFND 1 70,611 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   250,385 1,055 SH   DFND 1 1,055 0 0
STRYKER COMMON STOCK 863667101   336,419 1,376 SH   DFND 1 1,376 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   309,954 1,876 SH   DFND 1 1,876 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   20,653 125 SH   OTR 1 125 0 0
TRUIST FINANCIAL CORPORATION COMMON STOCK 89832Q109   405,474 9,423 SH   DFND 1 9,423 0 0
TRUIST FINANCIAL CORPORATION COMMON STOCK 89832Q109   8,348 194 SH   OTR 1 194 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   766,780 3,703 SH   DFND 1 3,703 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   20,707 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   314,890 7,777 SH   DFND 1 7,777 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   681,817 1,286 SH   DFND 1 1,286 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   26,509 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   2,819,416 67,177 SH   DFND 1 67,177 0 0
VANGUARD MUTUAL FUNDS - 921946406   228,215 2,109 SH   DFND 1 2,109 0 0
VANGUARD MUTUAL FUNDS - 922042858   377,563 9,686 SH   DFND 1 9,686 0 0
VANGUARD MUTUAL FUNDS - 922042858   9,940 255 SH   OTR 1 255 0 0
VANGUARD MUTUAL FUNDS - 92204A702   351,670 1,101 SH   DFND 1 1,101 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,327,823 91,105 SH   DFND 1 91,105 0 0
VANGUARD MUTUAL FUNDS - 92206C870   225,554 2,910 SH   DFND 1 2,910 0 0
VANGUARD MUTUAL FUNDS - 922908769   233,826 1,223 SH   DFND 1 1,223 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   328,518 8,338 SH   DFND 1 8,338 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   19,700 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   277,357 1,335 SH   DFND 1 1,335 0 0
VISA INC COMMON STOCK 92826C839   10,804 52 SH   OTR 1 52 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   312,128 3,329 SH   DFND 1 3,329 0 0
ACCENTURE PLC COMMON STOCK G1151C101   276,980 1,038 SH   DFND 1 1,038 0 0
LINDE PLC FOREIGN STOCK G5494J103   319,331 979 SH   DFND 1 979 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   309,792 3,986 SH   DFND 1 3,986 0 0