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   405,042 3,898 SH   DFND 1 3,898 0 0
ABBVIE INC COMMON STOCK 00287Y109   678,879 3,958 SH   DFND 1 3,958 0 0
ABBVIE INC COMMON STOCK 00287Y109   17,152 100 SH   OTR 1 100 0 0
ALPHABET INC COMMON STOCK 02079K305   1,490,168 8,181 SH   DFND 1 8,181 0 0
AMAZON COM INC COMMON STOCK 023135106   2,139,863 11,073 SH   DFND 1 11,073 0 0
AMERICAN ELEC POWER INC COMMON COMMON STOCK 025537101   288,753 3,291 SH   DFND 1 3,291 0 0
AMGEN INC COMMON STOCK 031162100   359,631 1,151 SH   DFND 1 1,151 0 0
APPLE INC COMMON STOCK 037833100   6,776,283 32,173 SH   DFND 1 32,173 0 0
APPLE INC COMMON STOCK 037833100   124,266 590 SH   OTR 1 590 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   702,308 2,976 SH   DFND 1 2,976 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   76,697 325 SH   OTR 1 325 0 0
ARISTA NETWORKS INC COMMON STOCK 040413106   201,176 574 SH   DFND 1 574 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   273,169 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   835,648 21,012 SH   DFND 1 21,012 0 0
THE BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   242,077 4,042 SH   DFND 1 4,042 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   263,199 647 SH   DFND 1 647 0 0
BLACKROCK INC COMMON STOCK 09247X101   260,605 331 SH   DFND 1 331 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   202,501 4,876 SH   DFND 1 4,876 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   27,825 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   1,167,221 727 SH   DFND 1 727 0 0
CSX CORP COMMON STOCK 126408103   668,098 19,973 SH   DFND 1 19,973 0 0
CSX CORP COMMON STOCK 126408103   45,158 1,350 SH   OTR 1 1,350 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   315,499 5,342 SH   DFND 1 5,342 0 0
CATERPILLAR INC COMMON STOCK 149123101   438,027 1,315 SH   DFND 1 1,315 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   4,136,218 26,443 SH   DFND 1 26,443 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   23,464 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   644,188 13,559 SH   DFND 1 13,559 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   19,004 400 SH   OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105   613,428 876 SH   DFND 1 876 0 0
CITIGROUP INC COMMON STOCK 172967424   230,677 3,635 SH   DFND 1 3,635 0 0
COCA COLA COMMON STOCK 191216100   525,114 8,250 SH   DFND 1 8,250 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   252,424 6,446 SH   DFND 1 6,446 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   352,178 3,079 SH   DFND 1 3,079 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   19,445 170 SH   OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105   229,721 5,913 SH   DFND 1 5,750 0 163
CORNING INC COMMON STOCK 219350105   11,655 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,226,537 1,443 SH   DFND 1 1,443 0 0
CUMMINS ENGINE COMMON STOCK 231021106   319,300 1,153 SH   DFND 1 1,153 0 0
CUMMINS ENGINE COMMON STOCK 231021106   16,616 60 SH   OTR 1 60 0 0
D R HORTON INC COMMON STOCK 23331A109   532,716 3,780 SH   DFND 1 3,780 0 0
DANAHER CORP COMMON STOCK 235851102   283,582 1,135 SH   DFND 1 1,135 0 0
DEERE & CO COMMON STOCK 244199105   1,040,560 2,785 SH   DFND 1 2,785 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   211,258 1,615 SH   DFND 1 1,615 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   26,162 200 SH   OTR 1 200 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   203,870 2,839 SH   DFND 1 2,839 0 0
ESCALADE INC COMMON STOCK 296056104   974,016 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   2,075,038 18,025 SH   DFND 1 18,025 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   97,852 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   2,229,666 4,422 SH   DFND 1 4,422 0 0
FISERV COMMON STOCK 337738108   1,110,349 7,450 SH   DFND 1 7,450 0 0
FORD MOTOR CO COMMON STOCK 345370860   163,233 13,017 SH   DFND 1 13,017 0 0
GENERAL DYNAMICS COMMON STOCK 369550108   510,936 1,761 SH   DFND 1 1,761 0 0
GENUINE PARTS CO COMMON STOCK 372460105   383,838 2,775 SH   DFND 1 2,775 0 0
HP INC COMMON STOCK 40434L105   237,821 6,791 SH   DFND 1 6,791 0 0
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104   261,304 2,599 SH   DFND 1 2,599 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,287,801 3,741 SH   DFND 1 3,741 0 0
HOME DEPOT INC COMMON STOCK 437076102   43,030 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   260,305 1,219 SH   DFND 1 1,219 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   225,823 953 SH   DFND 1 953 0 0
IBM COMMON STOCK 459200101   496,714 2,872 SH   DFND 1 2,872 0 0
IBM COMMON STOCK 459200101   100,311 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   1,162,320 2,426 SH   DFND 1 2,426 0 0
INVESCO MUTUAL FUNDS - 46137V472   262,662 2,707 SH   DFND 1 2,707 0 0
INVESCO MUTUAL FUNDS - 46138J619   531,618 10,128 SH   DFND 1 10,128 0 0
ISHARES MUTUAL FUNDS - 464287101   358,655 1,357 SH   DFND 1 1,357 0 0
ISHARES MUTUAL FUNDS - 464287200   18,718,554 34,206 SH   DFND 1 34,206 0 0
ISHARES MUTUAL FUNDS - 464287200   250,631 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   9,669,231 104,487 SH   DFND 1 104,487 0 0
ISHARES MUTUAL FUNDS - 464287309   109,105 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   4,580,459 25,166 SH   DFND 1 25,166 0 0
ISHARES MUTUAL FUNDS - 464287408   46,959 258 SH   OTR 1 258 0 0
ISHARES MUTUAL FUNDS - 464287457   3,137,487 38,426 SH   DFND 1 38,426 0 0
ISHARES MUTUAL FUNDS - 464287457   18,453 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   1,636,000 20,886 SH   DFND 1 20,886 0 0
ISHARES MUTUAL FUNDS - 464287499   1,869,383 23,056 SH   DFND 1 23,056 0 0
ISHARES MUTUAL FUNDS - 464287499   69,080 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,128,414 155,988 SH   DFND 1 155,058 0 930
ISHARES MUTUAL FUNDS - 464287549   371,581 3,940 SH   DFND 1 3,940 0 0
ISHARES MUTUAL FUNDS - 464287614   330,610 907 SH   DFND 1 907 0 0
ISHARES MUTUAL FUNDS - 464287622   4,073,621 13,691 SH   DFND 1 13,691 0 0
ISHARES MUTUAL FUNDS - 464287721   233,878 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   60,200 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,207,142 48,820 SH   DFND 1 48,320 0 500
ISHARES MUTUAL FUNDS - 464287804   17,279 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   484,208 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   401,588 3,867 SH   DFND 1 2,841 0 1,026
ISHARES MUTUAL FUNDS - 464288588   211,805 2,307 SH   DFND 1 2,307 0 0
ISHARES MUTUAL FUNDS - 464288638   4,791,432 93,473 SH   DFND 1 93,473 0 0
ISHARES MUTUAL FUNDS - 464288638   27,885 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,293,350 25,241 SH   DFND 1 25,241 0 0
ISHARES MUTUAL FUNDS - 464288646   9,992 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   607,603 5,262 SH   DFND 1 5,262 0 0
ISHARES MUTUAL FUNDS - 464288661   461,187 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 464288802   569,154 5,065 SH   DFND 1 3,934 0 1,131
ISHARES MUTUAL FUNDS - 46432F842   1,192,822 16,421 SH   DFND 1 16,421 0 0
ISHARES MUTUAL FUNDS - 46432F842   49,177 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   3,671,173 77,500 SH   DFND 1 77,500 0 0
ISHARES MUTUAL FUNDS - 46432F859   28,564 603 SH   OTR 1 603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,645,563 13,080 SH   DFND 1 12,942 0 138
JP MORGAN CHASE & CO COMMON STOCK 46625H100   40,452 200 SH   OTR 1 200 0 0
JP MORGAN MUTUAL FUNDS - 46641Q159   2,230,540 49,066 SH   DFND 1 49,066 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,003,972 6,869 SH   DFND 1 6,869 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   42,386 290 SH   OTR 1 290 0 0
KROGER CO COMMON STOCK 501044101   352,357 7,057 SH   DFND 1 7,057 0 0
LENNOX INTL COMMON STOCK 526107107   1,211,195 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   2,358,514 2,605 SH   DFND 1 2,605 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   310,622 665 SH   DFND 1 665 0 0
LOWES COMPANY COMMON STOCK 548661107   678,357 3,077 SH   DFND 1 3,077 0 0
MCDONALDS COMMON STOCK 580135101   852,696 3,346 SH   DFND 1 3,346 0 0
MCDONALDS COMMON STOCK 580135101   19,113 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,307,205 10,559 SH   DFND 1 10,559 0 0
MERCK & CO COMMON STOCK 58933Y105   107,087 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   332,983 4,744 SH   DFND 1 4,744 0 0
METLIFE COMMON STOCK 59156R108   10,529 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   4,154,853 9,296 SH   DFND 1 9,296 0 0
MORGAN STANLEY COMMON STOCK 617446448   498,198 5,126 SH   DFND 1 5,126 0 0
NETAPP INC COMMON STOCK 64110D104   314,787 2,444 SH   DFND 1 2,444 0 0
NETFLIX COM INC COMMON STOCK 64110L106   314,494 466 SH   DFND 1 466 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   367,647 5,192 SH   DFND 1 5,192 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,641,286 21,380 SH   DFND 1 21,380 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   230,441 2,569 SH   DFND 1 2,569 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,463,820 10,367 SH   DFND 1 10,367 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   267,517 2,125 SH   DFND 1 2,125 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   224,003 1,227 SH   DFND 1 1,227 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   209,407 414 SH   DFND 1 414 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   17,586,164 586,205 SH   DFND 1 34,222 551,983 0
PEOPLES BANCORP INC COMMON STOCK 709789101   3,000 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   696,997 4,226 SH   DFND 1 4,226 0 0
PEPSICO INC COMMON STOCK 713448108   31,667 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   336,602 12,030 SH   DFND 1 12,030 0 0
PFIZER INC COMMON STOCK 717081103   75,546 2,700 SH   OTR 1 2,700 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   196,379 1,938 SH   DFND 1 1,938 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   20,266 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,040,990 7,374 SH   DFND 1 7,374 0 0
PHILLIPS 66 COMMON STOCK 718546104   14,117 100 SH   OTR 1 100 0 0
PRICE T ROWE GROUP INC COMMON STOCK 74144T108   246,187 2,135 SH   DFND 1 2,135 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   3,244,307 19,672 SH   DFND 1 19,672 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   61,680 374 SH   OTR 1 374 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   238,451 1,148 SH   DFND 1 1,148 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   543,528 4,638 SH   DFND 1 4,638 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   11,719 100 SH   OTR 1 100 0 0
PUBLIC SERV ENTERPRISE GROUP INC COMMON STOCK 744573106   217,931 2,957 SH   DFND 1 2,957 0 0
QUALCOMM INC COMMON STOCK 747525103   377,448 1,895 SH   DFND 1 1,895 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   218,651 2,178 SH   DFND 1 2,178 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   10,039 100 SH   OTR 1 100 0 0
RIO TINTO PLC ADR COMMON STOCK 767204100   208,604 3,164 SH   DFND 1 3,164 0 0
SPDR MUTUAL FUNDS - 78462F103   6,660,711 12,239 SH   DFND 1 12,239 0 0
SPDR MUTUAL FUNDS - 78464A763   741,970 5,834 SH   DFND 1 5,834 0 0
SPDR MUTUAL FUNDS - 78464A763   67,405 530 SH   OTR 1 530 0 0
SPDR MUTUAL FUNDS - 78468R408   100,329 4,018 SH   DFND 1 4,018 0 0
SPDR MUTUAL FUNDS - 78468R408   227,077 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   1,994,225 56,929 SH   DFND 1 56,929 0 0
SCHWAB MUTUAL FUNDS - 808524755   11,069 316 SH   OTR 1 316 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,481,091 31,907 SH   DFND 1 31,907 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   398,105 1,334 SH   DFND 1 1,334 0 0
STATE STREET CORP COMMON STOCK 857477103   213,194 2,881 SH   DFND 1 2,881 0 0
STRYKER COMMON STOCK 863667101   438,584 1,289 SH   DFND 1 1,289 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   424,856 2,184 SH   DFND 1 2,184 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   19,453 100 SH   OTR 1 100 0 0
TRAVELERS COS INC COMMON STOCK 89417E109   372,112 1,830 SH   DFND 1 1,830 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   770,642 3,406 SH   DFND 1 3,406 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   22,626 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   228,507 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   664,586 1,305 SH   DFND 1 1,305 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   25,463 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   3,075,454 62,231 SH   DFND 1 62,231 0 0
VANGUARD MUTUAL FUNDS - 92204A702   847,588 1,470 SH   DFND 1 1,470 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,133,386 88,157 SH   DFND 1 88,157 0 0
VANGUARD MUTUAL FUNDS - 92206C706   39,596 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922908629   266,310 1,100 SH   DFND 1 1,100 0 0
VANGUARD MUTUAL FUNDS - 922908744   242,380 1,511 SH   DFND 1 1,511 0 0
VANGUARD MUTUAL FUNDS - 922908769   347,495 1,299 SH   DFND 1 1,299 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   343,571 8,331 SH   DFND 1 8,331 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   20,620 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   394,756 1,504 SH   DFND 1 1,504 0 0
WAL MART STORES INC COMMON STOCK 931142103   249,444 3,684 SH   DFND 1 3,684 0 0
WISDOMTREE MUTUAL FUNDS - 97717X701   224,287 4,961 SH   DFND 1 4,961 0 0
EATON CORP NEW COMMON STOCK G29183103   213,528 681 SH   DFND 1 681 0 0
LINDE PLC FOREIGN STOCK G54950103   331,302 755 SH   DFND 1 755 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   309,803 3,936 SH   DFND 1 3,936 0 0
LYONDELLBASELL COMMON STOCK N53745100   221,166 2,312 SH   DFND 1 2,312 0 0