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   489,722 4,492 SH   DFND 1 4,492 0 0
ABBVIE INC COMMON STOCK 00287Y109   467,109 3,467 SH   DFND 1 3,467 0 0
ABBVIE INC COMMON STOCK 00287Y109   13,473 100 SH   OTR 1 100 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   304,745 3,615 SH   DFND 1 3,615 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   10,875 129 SH   OTR 1 129 0 0
ADOBE INC COMMON STOCK 00724F101   207,822 425 SH   DFND 1 425 0 0
ADOBE INC COMMON STOCK 00724F101   10,269 21 SH   OTR 1 21 0 0
ALPHABET INC COMMON STOCK 02079K305   660,747 5,520 SH   DFND 1 5,520 0 0
ALPHABET INC COMMON STOCK 02079K305   16,758 140 SH   OTR 1 140 0 0
AMAZON COM INC COMMON STOCK 023135106   1,120,966 8,599 SH   DFND 1 8,599 0 0
AMAZON COM INC COMMON STOCK 023135106   10,429 80 SH   OTR 1 80 0 0
APPLE INC COMMON STOCK 037833100   5,910,656 30,472 SH   DFND 1 30,472 0 0
APPLE INC COMMON STOCK 037833100   178,840 922 SH   OTR 1 922 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   440,125 3,045 SH   DFND 1 3,045 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   55,648 385 SH   OTR 1 385 0 0
BCE INC FOREIGN STOCK 05534B760   194,852 4,274 SH   DFND 1 4,274 0 0
BCE INC FOREIGN STOCK 05534B760   6,839 150 SH   OTR 1 150 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   267,040 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   717,798 25,019 SH   DFND 1 25,019 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204   1,077,928 48,775 SH   DFND 1 8,494 0 40,281
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   375,325 5,869 SH   DFND 1 5,869 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   42,847 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   649,704 749 SH   DFND 1 749 0 0
CSX CORP COMMON STOCK 126408103   716,717 21,018 SH   DFND 1 21,018 0 0
CSX CORP COMMON STOCK 126408103   53,537 1,570 SH   OTR 1 1,570 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   325,603 4,710 SH   DFND 1 4,710 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   261,201 711 SH   DFND 1 711 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   4,130,284 26,249 SH   DFND 1 26,249 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   23,602 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   350,644 6,777 SH   DFND 1 6,777 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   23,283 450 SH   OTR 1 450 0 0
CINTAS CORPORATION COMMON STOCK 172908105   317,635 639 SH   DFND 1 639 0 0
CLOROX COMMON STOCK 189054109   206,752 1,300 SH   DFND 1 1,300 0 0
CLOROX COMMON STOCK 189054109   15,904 100 SH   OTR 1 100 0 0
COCA COLA COMMON STOCK 191216100   416,424 6,915 SH   DFND 1 6,915 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   222,667 5,359 SH   DFND 1 5,359 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   278,712 2,690 SH   DFND 1 2,690 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   17,614 170 SH   OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105   219,316 6,259 SH   DFND 1 6,090 0 169
CORNING INC COMMON STOCK 219350105   10,512 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   758,581 1,409 SH   DFND 1 1,409 0 0
D R HORTON INC COMMON STOCK 23331A109   488,586 4,015 SH   DFND 1 4,015 0 0
DANAHER CORP COMMON STOCK 235851102   432,480 1,802 SH   DFND 1 1,802 0 0
DANAHER CORP COMMON STOCK 235851102   12,240 51 SH   OTR 1 51 0 0
DEERE & CO COMMON STOCK 244199105   1,303,901 3,218 SH   DFND 1 3,218 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   204,138 1,747 SH   DFND 1 1,747 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   23,370 200 SH   OTR 1 200 0 0
ESCALADE INC COMMON STOCK 296056104   942,937 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   1,947,019 18,154 SH   DFND 1 18,154 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   91,163 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   1,013,904 3,533 SH   DFND 1 3,533 0 0
FISERV COMMON STOCK 337738108   994,697 7,885 SH   DFND 1 7,885 0 0
GENERAL DYNAMICS COMMON STOCK 369550108   260,332 1,210 SH   DFND 1 1,210 0 0
GENUINE PARTS CO COMMON STOCK 372460105   727,522 4,299 SH   DFND 1 4,299 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,058,660 3,408 SH   DFND 1 3,408 0 0
HOME DEPOT INC COMMON STOCK 437076102   38,830 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   228,250 1,100 SH   DFND 1 1,100 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   242,406 969 SH   DFND 1 969 0 0
IBM COMMON STOCK 459200101   342,821 2,562 SH   DFND 1 2,562 0 0
IBM COMMON STOCK 459200101   66,905 500 SH   OTR 1 500 0 0
INVESCO MUTUAL FUNDS - 46090E103   983,028 2,661 SH   DFND 1 2,661 0 0
INVESCO MUTUAL FUNDS - 46138J619   905,641 18,490 SH   DFND 1 18,490 0 0
ISHARES MUTUAL FUNDS - 464287101   353,037 1,705 SH   DFND 1 1,705 0 0
ISHARES MUTUAL FUNDS - 464287168   238,497 2,105 SH   DFND 1 2,105 0 0
ISHARES MUTUAL FUNDS - 464287200   14,558,675 32,664 SH   DFND 1 32,664 0 0
ISHARES MUTUAL FUNDS - 464287200   204,135 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287234   571,367 14,443 SH   DFND 1 14,443 0 0
ISHARES MUTUAL FUNDS - 464287309   7,895,805 112,029 SH   DFND 1 112,029 0 0
ISHARES MUTUAL FUNDS - 464287309   83,096 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   3,114,671 19,323 SH   DFND 1 19,323 0 0
ISHARES MUTUAL FUNDS - 464287457   2,878,745 35,505 SH   DFND 1 35,505 0 0
ISHARES MUTUAL FUNDS - 464287457   6,243 77 SH   OTR 1 77 0 0
ISHARES MUTUAL FUNDS - 464287465   1,423,107 19,629 SH   DFND 1 19,629 0 0
ISHARES MUTUAL FUNDS - 464287499   1,828,894 25,043 SH   DFND 1 25,043 0 0
ISHARES MUTUAL FUNDS - 464287499   62,222 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,897,020 37,850 SH   DFND 1 37,560 0 290
ISHARES MUTUAL FUNDS - 464287549   237,294 604 SH   DFND 1 604 0 0
ISHARES MUTUAL FUNDS - 464287614   258,119 938 SH   DFND 1 938 0 0
ISHARES MUTUAL FUNDS - 464287622   3,484,508 14,296 SH   DFND 1 14,296 0 0
ISHARES MUTUAL FUNDS - 464287721   169,183 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   43,548 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,561,875 55,814 SH   DFND 1 55,239 0 575
ISHARES MUTUAL FUNDS - 464287804   16,143 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288448   384,365 14,598 SH   DFND 1 14,598 0 0
ISHARES MUTUAL FUNDS - 464288513   471,214 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   544,076 6,464 SH   DFND 1 5,214 0 1,250
ISHARES MUTUAL FUNDS - 464288588   218,706 2,345 SH   DFND 1 2,345 0 0
ISHARES MUTUAL FUNDS - 464288638   4,024,310 79,579 SH   DFND 1 79,579 0 0
ISHARES MUTUAL FUNDS - 464288638   18,256 361 SH   OTR 1 361 0 0
ISHARES MUTUAL FUNDS - 464288646   1,577,750 31,448 SH   DFND 1 31,448 0 0
ISHARES MUTUAL FUNDS - 464288646   19,165 382 SH   OTR 1 382 0 0
ISHARES MUTUAL FUNDS - 464288661   691,329 5,998 SH   DFND 1 5,998 0 0
ISHARES MUTUAL FUNDS - 464288661   485,129 4,209 SH   OTR 1 4,209 0 0
ISHARES MUTUAL FUNDS - 464288802   537,306 5,738 SH   DFND 1 4,300 0 1,438
ISHARES MUTUAL FUNDS - 46432F842   1,538,266 22,789 SH   DFND 1 22,789 0 0
ISHARES MUTUAL FUNDS - 46432F842   45,698 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   4,215,456 90,383 SH   DFND 1 90,383 0 0
ISHARES MUTUAL FUNDS - 46432F859   38,012 815 SH   OTR 1 815 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,664,271 11,443 SH   DFND 1 11,255 0 188
JP MORGAN CHASE & CO COMMON STOCK 46625H100   29,088 200 SH   OTR 1 200 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,319,193 7,970 SH   DFND 1 7,970 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   64,553 390 SH   OTR 1 390 0 0
KROGER CO COMMON STOCK 501044101   340,280 7,240 SH   DFND 1 7,240 0 0
LENNOX INTL COMMON STOCK 526107107   738,222 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,183,706 2,524 SH   DFND 1 2,524 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   204,870 445 SH   DFND 1 445 0 0
LOWES COMPANY COMMON STOCK 548661107   824,936 3,655 SH   DFND 1 3,655 0 0
MCDONALDS COMMON STOCK 580135101   936,114 3,137 SH   DFND 1 3,137 0 0
MCDONALDS COMMON STOCK 580135101   22,381 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,189,213 10,306 SH   DFND 1 10,306 0 0
MERCK & CO COMMON STOCK 58933Y105   99,812 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   242,912 4,297 SH   DFND 1 4,297 0 0
METLIFE COMMON STOCK 59156R108   8,480 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,789,706 8,192 SH   DFND 1 8,192 0 0
MICROSOFT CORP COMMON STOCK 594918104   22,135 65 SH   OTR 1 65 0 0
MORGAN STANLEY COMMON STOCK 617446448   397,964 4,660 SH   DFND 1 4,660 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   416,260 5,610 SH   DFND 1 5,610 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   688,676 1,628 SH   DFND 1 1,628 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   35,534 84 SH   OTR 1 84 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   243,584 2,560 SH   DFND 1 2,560 0 0
ONEOK INC COMMON STOCK 682680103   244,720 3,965 SH   DFND 1 3,965 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,121,472 9,417 SH   DFND 1 9,417 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   322,553 2,175 SH   DFND 1 2,175 0 0
PAYCHEX INC COMMON STOCK 704326107   210,987 1,886 SH   DFND 1 1,886 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   16,022,972 603,502 SH   DFND 1 17,284 586,218 0
PEOPLES BANCORP INC COMMON STOCK 709789101   2,655 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   814,417 4,397 SH   DFND 1 4,397 0 0
PEPSICO INC COMMON STOCK 713448108   35,562 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   236,695 6,453 SH   DFND 1 6,453 0 0
PFIZER INC COMMON STOCK 717081103   61,439 1,675 SH   OTR 1 1,675 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   236,241 2,420 SH   DFND 1 2,420 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   19,524 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   734,430 7,700 SH   DFND 1 7,700 0 0
PHILLIPS 66 COMMON STOCK 718546104   9,538 100 SH   OTR 1 100 0 0
PIONEER NATURAL RESOURCES COMMON STOCK 723787107   226,448 1,093 SH   DFND 1 1,093 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   3,028,582 19,959 SH   DFND 1 19,959 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   147,795 974 SH   OTR 1 974 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   337,795 3,829 SH   DFND 1 3,829 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   8,822 100 SH   OTR 1 100 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   236,866 2,418 SH   DFND 1 2,418 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   9,796 100 SH   OTR 1 100 0 0
SPDR MUTUAL FUNDS - 78462F103   6,542,812 14,760 SH   DFND 1 14,760 0 0
SPDR MUTUAL FUNDS - 78464A763   728,615 5,944 SH   DFND 1 5,944 0 0
SPDR MUTUAL FUNDS - 78464A763   107,993 881 SH   OTR 1 881 0 0
SPDR MUTUAL FUNDS - 78468R408   133,454 5,403 SH   DFND 1 5,403 0 0
SPDR MUTUAL FUNDS - 78468R408   224,622 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,457,966 33,847 SH   DFND 1 33,847 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   270,831 1,020 SH   DFND 1 1,020 0 0
STRYKER COMMON STOCK 863667101   403,024 1,321 SH   DFND 1 1,321 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   332,317 1,846 SH   DFND 1 1,846 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   22,503 125 SH   OTR 1 125 0 0
TRUIST FINANCIAL CORPORATION COMMON STOCK 89832Q109   269,662 8,885 SH   DFND 1 8,885 0 0
TRUIST FINANCIAL CORPORATION COMMON STOCK 89832Q109   5,888 194 SH   OTR 1 194 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   737,247 3,603 SH   DFND 1 3,603 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   20,462 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   208,996 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   549,853 1,144 SH   DFND 1 1,144 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   24,032 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   3,094,934 67,019 SH   DFND 1 67,019 0 0
VANGUARD MUTUAL FUNDS - 922042858   346,756 8,524 SH   DFND 1 8,524 0 0
VANGUARD MUTUAL FUNDS - 922042858   10,373 255 SH   OTR 1 255 0 0
VANGUARD MUTUAL FUNDS - 92204A702   565,965 1,280 SH   DFND 1 1,280 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,803,058 98,927 SH   DFND 1 98,927 0 0
VANGUARD MUTUAL FUNDS - 922908769   255,745 1,161 SH   DFND 1 1,161 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   219,348 5,898 SH   DFND 1 5,898 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   18,595 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   308,723 1,300 SH   DFND 1 1,300 0 0
VISA INC COMMON STOCK 92826C839   12,349 52 SH   OTR 1 52 0 0
LINDE PLC FOREIGN STOCK G54950103   282,762 742 SH   DFND 1 742 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   351,167 3,986 SH   DFND 1 3,986 0 0