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   449,302 3,953 SH   DFND 1 3,953 0 0
ABBVIE INC COMMON STOCK 00287Y109   638,991 3,509 SH   DFND 1 3,509 0 0
ABBVIE INC COMMON STOCK 00287Y109   18,210 100 SH   OTR 1 100 0 0
ALPHABET INC COMMON STOCK 02079K305   793,290 5,256 SH   DFND 1 5,256 0 0
AMAZON COM INC COMMON STOCK 023135106   1,577,242 8,744 SH   DFND 1 8,744 0 0
AMGEN INC COMMON STOCK 031162100   222,339 782 SH   DFND 1 782 0 0
APPLE INC COMMON STOCK 037833100   4,944,626 28,835 SH   DFND 1 28,835 0 0
APPLE INC COMMON STOCK 037833100   101,173 590 SH   OTR 1 590 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   585,696 2,840 SH   DFND 1 2,840 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   67,025 325 SH   OTR 1 325 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   285,125 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   806,255 21,262 SH   DFND 1 21,262 0 0
THE BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   232,902 4,042 SH   DFND 1 4,042 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204   904,777 48,775 SH   DFND 1 8,494 0 40,281
BLACKROCK INC COMMON STOCK 09247X101   263,449 316 SH   DFND 1 316 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   305,099 5,626 SH   DFND 1 5,626 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   36,334 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   763,436 576 SH   DFND 1 576 0 0
CSX CORP COMMON STOCK 126408103   746,517 20,138 SH   DFND 1 20,138 0 0
CSX CORP COMMON STOCK 126408103   50,045 1,350 SH   OTR 1 1,350 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   206,639 711 SH   DFND 1 711 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   4,037,042 25,593 SH   DFND 1 25,593 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   23,662 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   499,452 10,007 SH   DFND 1 10,007 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   19,964 400 SH   OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105   554,431 807 SH   DFND 1 807 0 0
CITIGROUP INC COMMON STOCK 172967424   229,877 3,635 SH   DFND 1 3,635 0 0
CLOROX COMMON STOCK 189054109   187,560 1,225 SH   DFND 1 1,225 0 0
CLOROX COMMON STOCK 189054109   15,311 100 SH   OTR 1 100 0 0
COCA COLA COMMON STOCK 191216100   385,496 6,301 SH   DFND 1 6,301 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   224,727 5,184 SH   DFND 1 5,184 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   405,005 3,182 SH   DFND 1 3,182 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   21,638 170 SH   OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105   196,210 5,953 SH   DFND 1 5,790 0 163
CORNING INC COMMON STOCK 219350105   9,888 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   951,685 1,299 SH   DFND 1 1,299 0 0
D R HORTON INC COMMON STOCK 23331A109   648,328 3,940 SH   DFND 1 3,940 0 0
DANAHER CORP COMMON STOCK 235851102   322,139 1,290 SH   DFND 1 1,290 0 0
DARDEN RESTAURANTS INC. COMMON STOCK 237194105   238,356 1,426 SH   DFND 1 1,426 0 0
DEERE & CO COMMON STOCK 244199105   1,156,645 2,816 SH   DFND 1 2,816 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   211,711 1,615 SH   DFND 1 1,615 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   26,218 200 SH   OTR 1 200 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   200,802 2,839 SH   DFND 1 2,839 0 0
ESCALADE INC COMMON STOCK 296056104   971,190 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   2,118,243 18,223 SH   DFND 1 18,223 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   98,804 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   1,784,028 3,674 SH   DFND 1 3,674 0 0
FISERV COMMON STOCK 337738108   1,213,036 7,590 SH   DFND 1 7,590 0 0
FORD MOTOR CO COMMON STOCK 345370860   172,866 13,017 SH   DFND 1 13,017 0 0
GENERAL DYNAMICS COMMON STOCK 369550108   231,641 820 SH   DFND 1 820 0 0
GENUINE PARTS CO COMMON STOCK 372460105   430,706 2,780 SH   DFND 1 2,780 0 0
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104   267,828 2,599 SH   DFND 1 2,599 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,249,002 3,256 SH   DFND 1 3,256 0 0
HOME DEPOT INC COMMON STOCK 437076102   47,950 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   250,201 1,219 SH   DFND 1 1,219 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   255,719 953 SH   DFND 1 953 0 0
INTEL CORP COMMON STOCK 458140100   214,004 4,845 SH   DFND 1 4,845 0 0
INTEL CORP COMMON STOCK 458140100   33,128 750 SH   OTR 1 750 0 0
IBM COMMON STOCK 459200101   503,180 2,635 SH   DFND 1 2,635 0 0
IBM COMMON STOCK 459200101   110,757 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   1,039,872 2,342 SH   DFND 1 2,342 0 0
INVESCO MUTUAL FUNDS - 46138J619   602,615 10,911 SH   DFND 1 10,911 0 0
ISHARES MUTUAL FUNDS - 464287101   349,590 1,413 SH   DFND 1 1,413 0 0
ISHARES MUTUAL FUNDS - 464287200   15,947,490 30,334 SH   DFND 1 30,334 0 0
ISHARES MUTUAL FUNDS - 464287200   240,784 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   8,724,085 103,317 SH   DFND 1 103,317 0 0
ISHARES MUTUAL FUNDS - 464287309   99,555 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   4,448,885 23,815 SH   DFND 1 23,815 0 0
ISHARES MUTUAL FUNDS - 464287408   48,197 258 SH   OTR 1 258 0 0
ISHARES MUTUAL FUNDS - 464287457   3,060,124 37,419 SH   DFND 1 37,419 0 0
ISHARES MUTUAL FUNDS - 464287457   18,482 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   1,708,047 21,388 SH   DFND 1 21,388 0 0
ISHARES MUTUAL FUNDS - 464287499   2,014,127 23,952 SH   DFND 1 23,952 0 0
ISHARES MUTUAL FUNDS - 464287499   71,645 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,655,546 158,965 SH   DFND 1 158,035 0 930
ISHARES MUTUAL FUNDS - 464287549   339,722 3,942 SH   DFND 1 3,942 0 0
ISHARES MUTUAL FUNDS - 464287614   309,075 917 SH   DFND 1 917 0 0
ISHARES MUTUAL FUNDS - 464287622   3,952,060 13,721 SH   DFND 1 13,721 0 0
ISHARES MUTUAL FUNDS - 464287721   209,884 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   54,024 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,936,358 53,713 SH   DFND 1 53,213 0 500
ISHARES MUTUAL FUNDS - 464287804   17,904 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   487,911 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   453,241 4,496 SH   DFND 1 3,442 0 1,054
ISHARES MUTUAL FUNDS - 464288588   201,198 2,177 SH   DFND 1 2,177 0 0
ISHARES MUTUAL FUNDS - 464288638   4,678,934 90,677 SH   DFND 1 90,677 0 0
ISHARES MUTUAL FUNDS - 464288638   28,070 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,274,921 24,862 SH   DFND 1 24,862 0 0
ISHARES MUTUAL FUNDS - 464288646   10,000 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   609,392 5,262 SH   DFND 1 5,262 0 0
ISHARES MUTUAL FUNDS - 464288661   462,545 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 464288802   593,884 5,440 SH   DFND 1 4,219 0 1,221
ISHARES MUTUAL FUNDS - 46432F842   1,227,525 16,539 SH   DFND 1 16,539 0 0
ISHARES MUTUAL FUNDS - 46432F842   50,247 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   4,488,244 94,609 SH   DFND 1 94,609 0 0
ISHARES MUTUAL FUNDS - 46432F859   28,606 603 SH   OTR 1 603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,264,198 11,304 SH   DFND 1 11,138 0 166
JP MORGAN CHASE & CO COMMON STOCK 46625H100   40,060 200 SH   OTR 1 200 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,105,435 6,988 SH   DFND 1 6,988 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   45,875 290 SH   OTR 1 290 0 0
KROGER CO COMMON STOCK 501044101   410,879 7,192 SH   DFND 1 7,192 0 0
LENNOX INTL COMMON STOCK 526107107   1,106,553 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,853,878 2,383 SH   DFND 1 2,383 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   237,442 522 SH   DFND 1 522 0 0
LOWES COMPANY COMMON STOCK 548661107   795,269 3,122 SH   DFND 1 3,122 0 0
MCDONALDS COMMON STOCK 580135101   762,956 2,706 SH   DFND 1 2,706 0 0
MCDONALDS COMMON STOCK 580135101   21,146 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,311,719 9,941 SH   DFND 1 9,941 0 0
MERCK & CO COMMON STOCK 58933Y105   114,137 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   281,322 3,796 SH   DFND 1 3,796 0 0
METLIFE COMMON STOCK 59156R108   11,117 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,292,554 7,826 SH   DFND 1 7,826 0 0
MORGAN STANLEY COMMON STOCK 617446448   468,917 4,980 SH   DFND 1 4,980 0 0
NETAPP INC COMMON STOCK 64110D104   256,862 2,447 SH   DFND 1 2,447 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   239,729 3,751 SH   DFND 1 3,751 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   1,467,381 1,624 SH   DFND 1 1,624 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   248,577 2,569 SH   DFND 1 2,569 0 0
ONEOK INC COMMON STOCK 682680103   227,042 2,832 SH   DFND 1 2,832 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,255,851 9,998 SH   DFND 1 9,998 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   311,535 2,150 SH   DFND 1 2,150 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   232,860 1,227 SH   DFND 1 1,227 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   235,654 424 SH   DFND 1 424 0 0
PAYCHEX INC COMMON STOCK 704326107   227,425 1,852 SH   DFND 1 1,852 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   17,379,396 586,943 SH   DFND 1 15,003 571,940 0
PEOPLES BANCORP INC COMMON STOCK 709789101   2,961 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   748,869 4,279 SH   DFND 1 4,279 0 0
PEPSICO INC COMMON STOCK 713448108   33,602 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   156,236 5,630 SH   DFND 1 5,630 0 0
PFIZER INC COMMON STOCK 717081103   52,725 1,900 SH   OTR 1 1,900 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   222,453 2,428 SH   DFND 1 2,428 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   18,324 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,217,539 7,454 SH   DFND 1 7,454 0 0
PHILLIPS 66 COMMON STOCK 718546104   16,334 100 SH   OTR 1 100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   3,003,574 18,512 SH   DFND 1 18,512 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   60,682 374 SH   OTR 1 374 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   244,047 1,180 SH   DFND 1 1,180 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   463,261 3,946 SH   DFND 1 3,946 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   11,740 100 SH   OTR 1 100 0 0
PUBLIC SERV ENTERPRISE GROUP INC COMMON STOCK 744573106   230,458 3,451 SH   DFND 1 3,451 0 0
QUALCOMM INC COMMON STOCK 747525103   255,814 1,511 SH   DFND 1 1,511 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   223,636 2,293 SH   DFND 1 2,293 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   9,753 100 SH   OTR 1 100 0 0
RIO TINTO PLC ADR COMMON STOCK 767204100   201,674 3,164 SH   DFND 1 3,164 0 0
SPDR MUTUAL FUNDS - 78462F103   6,956,309 13,299 SH   DFND 1 13,299 0 0
SPDR MUTUAL FUNDS - 78464A763   755,023 5,753 SH   DFND 1 5,753 0 0
SPDR MUTUAL FUNDS - 78464A763   69,557 530 SH   OTR 1 530 0 0
SPDR MUTUAL FUNDS - 78468R408   126,504 5,016 SH   DFND 1 5,016 0 0
SPDR MUTUAL FUNDS - 78468R408   229,351 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   2,001,922 56,218 SH   DFND 1 56,218 0 0
SCHWAB MUTUAL FUNDS - 808524755   11,253 316 SH   OTR 1 316 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,768,434 34,335 SH   DFND 1 34,335 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   449,446 1,294 SH   DFND 1 1,294 0 0
STRYKER COMMON STOCK 863667101   433,382 1,211 SH   DFND 1 1,211 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   311,659 1,789 SH   DFND 1 1,789 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   17,421 100 SH   OTR 1 100 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   870,839 3,541 SH   DFND 1 3,541 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   24,593 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   252,106 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   549,120 1,110 SH   DFND 1 1,110 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   24,735 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   3,053,149 60,856 SH   DFND 1 60,856 0 0
VANGUARD MUTUAL FUNDS - 92204A702   781,790 1,491 SH   DFND 1 1,491 0 0
VANGUARD MUTUAL FUNDS - 92206C706   6,232,054 106,440 SH   DFND 1 106,440 0 0
VANGUARD MUTUAL FUNDS - 92206C706   39,814 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922908629   255,607 1,023 SH   DFND 1 1,023 0 0
VANGUARD MUTUAL FUNDS - 922908744   248,524 1,526 SH   DFND 1 1,526 0 0
VANGUARD MUTUAL FUNDS - 922908769   337,610 1,299 SH   DFND 1 1,299 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   253,353 6,038 SH   DFND 1 6,038 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   20,980 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   351,641 1,260 SH   DFND 1 1,260 0 0
LINDE PLC FOREIGN STOCK G54950103   350,561 755 SH   DFND 1 755 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   343,023 3,936 SH   DFND 1 3,936 0 0