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   400,381 4,134 SH   DFND 1 4,134 0 0
ABBVIE INC COMMON STOCK 00287Y109   525,587 3,526 SH   DFND 1 3,526 0 0
ABBVIE INC COMMON STOCK 00287Y109   14,906 100 SH   OTR 1 100 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   336,600 3,595 SH   DFND 1 3,595 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   12,078 129 SH   OTR 1 129 0 0
ADOBE INC COMMON STOCK 00724F101   227,928 447 SH   DFND 1 447 0 0
ADOBE INC COMMON STOCK 00724F101   10,708 21 SH   OTR 1 21 0 0
ALPHABET INC COMMON STOCK 02079K305   751,133 5,740 SH   DFND 1 5,740 0 0
ALPHABET INC COMMON STOCK 02079K305   21,330 163 SH   OTR 1 163 0 0
AMAZON COM INC COMMON STOCK 023135106   1,136,580 8,941 SH   DFND 1 8,941 0 0
AMAZON COM INC COMMON STOCK 023135106   12,712 100 SH   OTR 1 100 0 0
AMGEN INC COMMON STOCK 031162100   210,170 782 SH   DFND 1 782 0 0
APPLE INC COMMON STOCK 037833100   5,087,848 29,717 SH   DFND 1 29,717 0 0
APPLE INC COMMON STOCK 037833100   163,164 953 SH   OTR 1 953 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   416,047 3,005 SH   DFND 1 3,005 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   53,303 385 SH   OTR 1 385 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   292,994 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   625,855 22,858 SH   DFND 1 22,858 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204   673,583 48,775 SH   DFND 1 8,494 0 40,281
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   332,511 5,729 SH   DFND 1 5,729 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   38,887 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   522,436 629 SH   DFND 1 629 0 0
BROADCOM INC COMMON STOCK 11135F101   1,661 2 SH   OTR 1 2 0 0
CSX CORP COMMON STOCK 126408103   639,082 20,783 SH   DFND 1 20,783 0 0
CSX CORP COMMON STOCK 126408103   48,278 1,570 SH   OTR 1 1,570 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   312,712 711 SH   DFND 1 711 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   4,416,161 26,190 SH   DFND 1 26,190 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   25,294 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   489,054 9,097 SH   DFND 1 9,097 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   24,192 450 SH   OTR 1 450 0 0
CINTAS CORPORATION COMMON STOCK 172908105   291,011 605 SH   DFND 1 605 0 0
COCA COLA COMMON STOCK 191216100   394,269 7,043 SH   DFND 1 7,043 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   229,861 5,184 SH   DFND 1 5,184 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   322,262 2,690 SH   DFND 1 2,690 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   21,564 180 SH   OTR 1 180 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   781,903 1,384 SH   DFND 1 1,384 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,825 5 SH   OTR 1 5 0 0
D R HORTON INC COMMON STOCK 23331A109   429,880 4,000 SH   DFND 1 4,000 0 0
DANAHER CORP COMMON STOCK 235851102   441,376 1,779 SH   DFND 1 1,779 0 0
DANAHER CORP COMMON STOCK 235851102   12,653 51 SH   OTR 1 51 0 0
DARDEN RESTAURANTS INC. COMMON STOCK 237194105   221,991 1,550 SH   DFND 1 1,550 0 0
DEERE & CO COMMON STOCK 244199105   1,191,392 3,157 SH   DFND 1 3,157 0 0
ESCALADE INC COMMON STOCK 296056104   1,081,376 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   2,095,982 17,826 SH   DFND 1 17,826 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   102,647 873 SH   OTR 1 873 0 0
META PLATFORMS INC COMMON STOCK 30303M102   1,095,165 3,648 SH   DFND 1 3,648 0 0
META PLATFORMS INC COMMON STOCK 30303M102   2,402 8 SH   OTR 1 8 0 0
FISERV COMMON STOCK 337738108   869,227 7,695 SH   DFND 1 7,695 0 0
GENUINE PARTS CO COMMON STOCK 372460105   559,040 3,872 SH   DFND 1 3,872 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,002,567 3,318 SH   DFND 1 3,318 0 0
HOME DEPOT INC COMMON STOCK 437076102   39,281 130 SH   OTR 1 130 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   203,214 1,100 SH   DFND 1 1,100 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   739 4 SH   OTR 1 4 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   223,170 969 SH   DFND 1 969 0 0
INTEL CORP COMMON STOCK 458140100   176,686 4,970 SH   DFND 1 4,970 0 0
INTEL CORP COMMON STOCK 458140100   26,663 750 SH   OTR 1 750 0 0
IBM COMMON STOCK 459200101   362,677 2,585 SH   DFND 1 2,585 0 0
IBM COMMON STOCK 459200101   81,374 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   1,007,456 2,812 SH   DFND 1 2,812 0 0
INVESCO MUTUAL FUNDS - 46138J619   833,738 18,188 SH   DFND 1 18,188 0 0
ISHARES MUTUAL FUNDS - 464287101   283,504 1,413 SH   DFND 1 1,413 0 0
ISHARES MUTUAL FUNDS - 464287200   13,558,823 31,574 SH   DFND 1 31,574 0 0
ISHARES MUTUAL FUNDS - 464287200   196,679 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   7,994,329 116,842 SH   DFND 1 116,842 0 0
ISHARES MUTUAL FUNDS - 464287309   80,667 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   2,808,348 18,255 SH   DFND 1 18,255 0 0
ISHARES MUTUAL FUNDS - 464287457   2,767,717 34,182 SH   DFND 1 34,182 0 0
ISHARES MUTUAL FUNDS - 464287457   6,235 77 SH   OTR 1 77 0 0
ISHARES MUTUAL FUNDS - 464287465   1,476,403 21,422 SH   DFND 1 21,422 0 0
ISHARES MUTUAL FUNDS - 464287499   1,701,962 24,577 SH   DFND 1 24,577 0 0
ISHARES MUTUAL FUNDS - 464287499   59,001 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   8,542,236 34,258 SH   DFND 1 34,068 0 190
ISHARES MUTUAL FUNDS - 464287549   230,837 604 SH   DFND 1 604 0 0
ISHARES MUTUAL FUNDS - 464287614   245,510 923 SH   DFND 1 923 0 0
ISHARES MUTUAL FUNDS - 464287622   3,230,954 13,754 SH   DFND 1 13,754 0 0
ISHARES MUTUAL FUNDS - 464287721   163,045 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   41,968 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,148,725 54,582 SH   DFND 1 54,007 0 575
ISHARES MUTUAL FUNDS - 464287804   15,281 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288414   508,598 4,960 SH   DFND 1 4,960 0 0
ISHARES MUTUAL FUNDS - 464288513   462,740 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   463,060 5,688 SH   DFND 1 4,577 0 1,111
ISHARES MUTUAL FUNDS - 464288638   3,743,568 76,949 SH   DFND 1 76,949 0 0
ISHARES MUTUAL FUNDS - 464288638   17,563 361 SH   OTR 1 361 0 0
ISHARES MUTUAL FUNDS - 464288646   1,514,726 30,398 SH   DFND 1 30,398 0 0
ISHARES MUTUAL FUNDS - 464288646   19,035 382 SH   OTR 1 382 0 0
ISHARES MUTUAL FUNDS - 464288661   595,448 5,262 SH   DFND 1 5,262 0 0
ISHARES MUTUAL FUNDS - 464288661   476,290 4,209 SH   OTR 1 4,209 0 0
ISHARES MUTUAL FUNDS - 464288802   494,296 5,494 SH   DFND 1 4,227 0 1,267
ISHARES MUTUAL FUNDS - 46431W838   290,591 5,834 SH   DFND 1 5,834 0 0
ISHARES MUTUAL FUNDS - 46432F842   1,117,566 17,367 SH   DFND 1 17,367 0 0
ISHARES MUTUAL FUNDS - 46432F842   43,565 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   4,039,283 87,091 SH   DFND 1 87,091 0 0
ISHARES MUTUAL FUNDS - 46432F859   37,800 815 SH   OTR 1 815 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,658,888 11,439 SH   DFND 1 11,273 0 166
JP MORGAN CHASE & CO COMMON STOCK 46625H100   31,469 217 SH   OTR 1 217 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,185,889 7,614 SH   DFND 1 7,614 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   45,168 290 SH   OTR 1 290 0 0
KROGER CO COMMON STOCK 501044101   331,017 7,397 SH   DFND 1 7,397 0 0
LENNOX INTL COMMON STOCK 526107107   847,732 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,267,627 2,360 SH   DFND 1 2,360 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,611 3 SH   OTR 1 3 0 0
LOWES COMPANY COMMON STOCK 548661107   720,167 3,465 SH   DFND 1 3,465 0 0
MCDONALDS COMMON STOCK 580135101   805,073 3,056 SH   DFND 1 3,056 0 0
MCDONALDS COMMON STOCK 580135101   20,548 78 SH   OTR 1 78 0 0
MERCK & CO COMMON STOCK 58933Y105   1,066,463 10,359 SH   DFND 1 10,359 0 0
MERCK & CO COMMON STOCK 58933Y105   89,052 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   268,563 4,269 SH   DFND 1 4,269 0 0
METLIFE COMMON STOCK 59156R108   9,437 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,557,582 8,100 SH   DFND 1 8,100 0 0
MICROSOFT CORP COMMON STOCK 594918104   26,208 83 SH   OTR 1 83 0 0
MORGAN STANLEY COMMON STOCK 617446448   425,095 5,205 SH   DFND 1 5,205 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   226,582 3,955 SH   DFND 1 3,955 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,432 25 SH   OTR 1 25 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   697,725 1,604 SH   DFND 1 1,604 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   40,019 92 SH   OTR 1 92 0 0
ONEOK INC COMMON STOCK 682680103   219,975 3,468 SH   DFND 1 3,468 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   987,386 9,322 SH   DFND 1 9,322 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   282,315 2,175 SH   DFND 1 2,175 0 0
PAYCHEX INC COMMON STOCK 704326107   217,513 1,886 SH   DFND 1 1,886 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   15,462,092 609,223 SH   DFND 1 33,836 575,387 0
PEOPLES BANCORP INC COMMON STOCK 709789101   2,538 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   727,236 4,292 SH   DFND 1 4,292 0 0
PEPSICO INC COMMON STOCK 713448108   32,532 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   197,098 5,942 SH   DFND 1 5,942 0 0
PFIZER INC COMMON STOCK 717081103   62,194 1,875 SH   OTR 1 1,875 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   220,341 2,380 SH   DFND 1 2,380 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   18,516 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   924,558 7,695 SH   DFND 1 7,695 0 0
PHILLIPS 66 COMMON STOCK 718546104   12,015 100 SH   OTR 1 100 0 0
PIONEER NATURAL RESOURCES COMMON STOCK 723787107   251,357 1,095 SH   DFND 1 1,095 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,875,926 19,717 SH   DFND 1 19,717 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   143,234 982 SH   OTR 1 982 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   365,896 3,856 SH   DFND 1 3,856 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   9,489 100 SH   OTR 1 100 0 0
SPDR MUTUAL FUNDS - 78462F103   5,759,865 13,474 SH   DFND 1 13,474 0 0
SPDR MUTUAL FUNDS - 78464A763   636,582 5,535 SH   DFND 1 5,535 0 0
SPDR MUTUAL FUNDS - 78464A763   101,324 881 SH   OTR 1 881 0 0
SPDR MUTUAL FUNDS - 78468R408   122,691 5,016 SH   DFND 1 5,016 0 0
SPDR MUTUAL FUNDS - 78468R408   222,439 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   1,665,940 52,603 SH   DFND 1 52,603 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,296,653 32,457 SH   DFND 1 32,457 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   345,339 1,354 SH   DFND 1 1,354 0 0
STRYKER COMMON STOCK 863667101   345,962 1,266 SH   DFND 1 1,266 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   297,029 1,868 SH   DFND 1 1,868 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   19,876 125 SH   OTR 1 125 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   732,661 3,598 SH   DFND 1 3,598 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   21,788 107 SH   OTR 1 107 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   580,325 1,151 SH   DFND 1 1,151 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   27,731 55 SH   OTR 1 55 0 0
VANGUARD MUTUAL FUNDS - 921943858   2,641,123 60,410 SH   DFND 1 60,410 0 0
VANGUARD MUTUAL FUNDS - 92204A702   648,075 1,562 SH   DFND 1 1,562 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,472,628 95,759 SH   DFND 1 95,759 0 0
VANGUARD MUTUAL FUNDS - 922908629   207,200 995 SH   DFND 1 995 0 0
VANGUARD MUTUAL FUNDS - 922908769   282,930 1,332 SH   DFND 1 1,332 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   191,154 5,898 SH   DFND 1 5,898 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   16,205 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   293,262 1,275 SH   DFND 1 1,275 0 0
VISA INC COMMON STOCK 92826C839   14,261 62 SH   OTR 1 62 0 0
LINDE PLC FOREIGN STOCK G54950103   261,018 701 SH   DFND 1 701 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   300,589 3,836 SH   DFND 1 3,836 0 0