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   457,520 4,013 SH   DFND 1 4,013 0 0
ABBVIE INC COMMON STOCK 00287Y109   725,539 3,674 SH   DFND 1 3,674 0 0
ABBVIE INC COMMON STOCK 00287Y109   19,748 100 SH   OTR 1 100 0 0
ALPHABET INC COMMON STOCK 02079K305   1,430,125 8,623 SH   DFND 1 8,623 0 0
AMAZON COM INC COMMON STOCK 023135106   2,053,542 11,021 SH   DFND 1 11,021 0 0
AMERICAN ELEC POWER INC COMMON COMMON STOCK 025537101   222,026 2,164 SH   DFND 1 2,164 0 0
AMGEN INC COMMON STOCK 031162100   319,954 993 SH   DFND 1 993 0 0
APPLE INC COMMON STOCK 037833100   7,533,822 32,334 SH   DFND 1 32,334 0 0
APPLE INC COMMON STOCK 037833100   137,470 590 SH   OTR 1 590 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   550,789 2,726 SH   DFND 1 2,726 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   65,666 325 SH   OTR 1 325 0 0
ARISTA NETWORKS INC COMMON STOCK 040413106   220,314 574 SH   DFND 1 574 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   237,528 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   833,756 21,012 SH   DFND 1 21,012 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   396,284 861 SH   DFND 1 861 0 0
BLACKROCK INC COMMON STOCK 09247X101   312,390 329 SH   DFND 1 329 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   252,284 4,876 SH   DFND 1 4,876 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   34,666 670 SH   OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101   996,879 5,779 SH   DFND 1 5,779 0 0
CSX CORP COMMON STOCK 126408103   649,960 18,823 SH   DFND 1 18,823 0 0
CSX CORP COMMON STOCK 126408103   46,616 1,350 SH   OTR 1 1,350 0 0
CATERPILLAR INC COMMON STOCK 149123101   417,716 1,068 SH   DFND 1 1,068 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   204,170 630 SH   DFND 1 630 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   3,875,853 26,318 SH   DFND 1 26,318 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   22,090 150 SH   OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   500,855 9,411 SH   DFND 1 9,411 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   21,288 400 SH   OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105   680,228 3,304 SH   DFND 1 3,304 0 0
CITIGROUP INC COMMON STOCK 172967424   227,551 3,635 SH   DFND 1 3,635 0 0
CLOROX COMMON STOCK 189054109   199,565 1,225 SH   DFND 1 1,225 0 0
CLOROX COMMON STOCK 189054109   16,291 100 SH   OTR 1 100 0 0
COCA COLA COMMON STOCK 191216100   562,808 7,832 SH   DFND 1 7,832 0 0
COMCAST CORP NEW COMMON STOCK 20030N101   269,250 6,446 SH   DFND 1 6,446 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   302,049 2,869 SH   DFND 1 2,869 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   17,898 170 SH   OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105   275,551 6,103 SH   DFND 1 5,940 0 163
CORNING INC COMMON STOCK 219350105   13,545 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,240,242 1,399 SH   DFND 1 1,399 0 0
CUMMINS ENGINE COMMON STOCK 231021106   259,680 802 SH   DFND 1 802 0 0
CUMMINS ENGINE COMMON STOCK 231021106   19,427 60 SH   OTR 1 60 0 0
D R HORTON INC COMMON STOCK 23331A109   721,111 3,780 SH   DFND 1 3,780 0 0
DANAHER CORP COMMON STOCK 235851102   287,754 1,035 SH   DFND 1 1,035 0 0
DEERE & CO COMMON STOCK 244199105   1,103,839 2,645 SH   DFND 1 2,645 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   243,824 1,738 SH   DFND 1 1,738 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   28,058 200 SH   OTR 1 200 0 0
ESCALADE INC COMMON STOCK 296056104   993,792 70,632 SH   DFND 1 70,632 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   2,058,033 17,557 SH   DFND 1 17,557 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   99,637 850 SH   OTR 1 850 0 0
META PLATFORMS INC COMMON STOCK 30303M102   2,395,087 4,184 SH   DFND 1 4,184 0 0
FISERV COMMON STOCK 337738108   1,284,501 7,150 SH   DFND 1 7,150 0 0
FORD MOTOR CO COMMON STOCK 345370860   137,460 13,017 SH   DFND 1 13,017 0 0
GENUINE PARTS CO COMMON STOCK 372460105   373,644 2,675 SH   DFND 1 2,675 0 0
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104   305,669 2,599 SH   DFND 1 2,599 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,326,219 3,273 SH   DFND 1 3,273 0 0
HOME DEPOT INC COMMON STOCK 437076102   50,650 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   260,249 1,259 SH   DFND 1 1,259 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109   249,753 953 SH   DFND 1 953 0 0
IBM COMMON STOCK 459200101   550,048 2,488 SH   DFND 1 2,488 0 0
IBM COMMON STOCK 459200101   128,226 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   1,132,323 2,320 SH   DFND 1 2,320 0 0
INVESCO MUTUAL FUNDS - 46137V472   213,366 2,080 SH   DFND 1 2,080 0 0
ISHARES MUTUAL FUNDS - 464287200   20,584,976 35,687 SH   DFND 1 35,687 0 0
ISHARES MUTUAL FUNDS - 464287200   264,184 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   9,305,475 97,185 SH   DFND 1 97,185 0 0
ISHARES MUTUAL FUNDS - 464287309   112,889 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   5,301,113 26,886 SH   DFND 1 26,886 0 0
ISHARES MUTUAL FUNDS - 464287408   50,870 258 SH   OTR 1 258 0 0
ISHARES MUTUAL FUNDS - 464287457   2,993,236 35,998 SH   DFND 1 35,998 0 0
ISHARES MUTUAL FUNDS - 464287457   18,792 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   2,093,594 25,034 SH   DFND 1 25,034 0 0
ISHARES MUTUAL FUNDS - 464287499   1,928,681 21,882 SH   DFND 1 21,882 0 0
ISHARES MUTUAL FUNDS - 464287499   75,095 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,488,594 152,256 SH   DFND 1 151,326 0 930
ISHARES MUTUAL FUNDS - 464287549   376,852 3,928 SH   DFND 1 3,928 0 0
ISHARES MUTUAL FUNDS - 464287614   534,542 1,424 SH   DFND 1 1,424 0 0
ISHARES MUTUAL FUNDS - 464287622   4,238,921 13,483 SH   DFND 1 13,483 0 0
ISHARES MUTUAL FUNDS - 464287655   205,428 930 SH   DFND 1 930 0 0
ISHARES MUTUAL FUNDS - 464287721   235,617 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   60,648 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,572,675 47,646 SH   DFND 1 47,146 0 500
ISHARES MUTUAL FUNDS - 464287804   18,948 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   504,043 6,277 SH   OTR 1 6,277 0 0
ISHARES MUTUAL FUNDS - 464288570   400,891 3,685 SH   DFND 1 2,679 0 1,006
ISHARES MUTUAL FUNDS - 464288588   202,926 2,118 SH   DFND 1 2,118 0 0
ISHARES MUTUAL FUNDS - 464288638   4,965,232 92,428 SH   DFND 1 92,428 0 0
ISHARES MUTUAL FUNDS - 464288638   29,224 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,205,918 22,900 SH   DFND 1 22,900 0 0
ISHARES MUTUAL FUNDS - 464288646   10,269 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   511,312 4,275 SH   DFND 1 4,275 0 0
ISHARES MUTUAL FUNDS - 464288661   477,702 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 464288802   554,905 4,610 SH   DFND 1 3,512 0 1,098
ISHARES MUTUAL FUNDS - 46432F842   1,134,221 14,532 SH   DFND 1 14,532 0 0
ISHARES MUTUAL FUNDS - 46432F842   52,840 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   3,679,138 75,578 SH   DFND 1 75,578 0 0
ISHARES MUTUAL FUNDS - 46432F859   29,354 603 SH   OTR 1 603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,569,120 12,184 SH   DFND 1 12,046 0 138
JP MORGAN CHASE & CO COMMON STOCK 46625H100   42,172 200 SH   OTR 1 200 0 0
JP MORGAN MUTUAL FUNDS - 46641Q159   2,261,469 48,749 SH   DFND 1 48,749 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,095,367 6,759 SH   DFND 1 6,759 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   46,997 290 SH   OTR 1 290 0 0
KROGER CO COMMON STOCK 501044101   381,447 6,657 SH   DFND 1 6,657 0 0
LENNOX INTL COMMON STOCK 526107107   1,368,113 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   2,320,279 2,619 SH   DFND 1 2,619 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   358,921 614 SH   DFND 1 614 0 0
LOWES COMPANY COMMON STOCK 548661107   802,259 2,962 SH   DFND 1 2,962 0 0
MCDONALDS COMMON STOCK 580135101   1,013,409 3,328 SH   DFND 1 3,328 0 0
MCDONALDS COMMON STOCK 580135101   22,838 75 SH   OTR 1 75 0 0
MERCK & CO COMMON STOCK 58933Y105   1,129,238 9,944 SH   DFND 1 9,944 0 0
MERCK & CO COMMON STOCK 58933Y105   98,229 865 SH   OTR 1 865 0 0
METLIFE COMMON STOCK 59156R108   278,864 3,381 SH   DFND 1 3,381 0 0
METLIFE COMMON STOCK 59156R108   12,372 150 SH   OTR 1 150 0 0
MICROSOFT CORP COMMON STOCK 594918104   4,111,956 9,556 SH   DFND 1 9,556 0 0
MORGAN STANLEY COMMON STOCK 617446448   557,579 5,349 SH   DFND 1 5,349 0 0
NETAPP INC COMMON STOCK 64110D104   207,004 1,676 SH   DFND 1 1,676 0 0
NETFLIX COM INC COMMON STOCK 64110L106   327,681 462 SH   DFND 1 462 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   435,499 5,152 SH   DFND 1 5,152 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,888,329 23,784 SH   DFND 1 23,784 0 0
OMNICOM GROUP INC. COMMON STOCK 681919106   265,609 2,569 SH   DFND 1 2,569 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,740,977 10,217 SH   DFND 1 10,217 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   281,478 2,125 SH   DFND 1 2,125 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   264,296 1,227 SH   DFND 1 1,227 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   247,042 391 SH   DFND 1 391 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   17,589,267 584,555 SH   DFND 1 16,489 568,066 0
PEOPLES BANCORP INC COMMON STOCK 709789101   3,009 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   671,872 3,951 SH   DFND 1 3,951 0 0
PEPSICO INC COMMON STOCK 713448108   32,650 192 SH   OTR 1 192 0 0
PFIZER INC COMMON STOCK 717081103   341,639 11,805 SH   DFND 1 11,805 0 0
PFIZER INC COMMON STOCK 717081103   78,138 2,700 SH   OTR 1 2,700 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   235,273 1,938 SH   DFND 1 1,938 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   24,280 200 SH   OTR 1 200 0 0
PHILLIPS 66 COMMON STOCK 718546104   949,597 7,224 SH   DFND 1 7,224 0 0
PHILLIPS 66 COMMON STOCK 718546104   13,145 100 SH   OTR 1 100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   3,373,069 19,475 SH   DFND 1 19,475 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   64,777 374 SH   OTR 1 374 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   288,018 1,135 SH   DFND 1 1,135 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   424,941 3,509 SH   DFND 1 3,509 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   12,110 100 SH   OTR 1 100 0 0
PUBLIC SERV ENTERPRISE GROUP INC COMMON STOCK 744573106   263,794 2,957 SH   DFND 1 2,957 0 0
QUALCOMM INC COMMON STOCK 747525103   298,780 1,757 SH   DFND 1 1,757 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   263,886 2,178 SH   DFND 1 2,178 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   12,116 100 SH   OTR 1 100 0 0
RIO TINTO PLC ADR COMMON STOCK 767204100   225,538 3,169 SH   DFND 1 3,169 0 0
SPDR MUTUAL FUNDS - 78462F103   6,956,266 12,124 SH   DFND 1 12,124 0 0
SPDR MUTUAL FUNDS - 78464A763   828,661 5,834 SH   DFND 1 5,834 0 0
SPDR MUTUAL FUNDS - 78464A763   75,281 530 SH   OTR 1 530 0 0
SPDR MUTUAL FUNDS - 78468R408   234,171 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   1,995,856 53,408 SH   DFND 1 53,408 0 0
SCHWAB MUTUAL FUNDS - 808524755   11,809 316 SH   OTR 1 316 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,432,179 28,773 SH   DFND 1 28,773 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   477,088 1,250 SH   DFND 1 1,250 0 0
STRYKER COMMON STOCK 863667101   458,079 1,268 SH   DFND 1 1,268 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   451,147 2,184 SH   DFND 1 2,184 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   20,657 100 SH   OTR 1 100 0 0
TRAVELERS COS INC COMMON STOCK 89417E109   297,332 1,270 SH   DFND 1 1,270 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   837,785 3,399 SH   DFND 1 3,399 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   24,648 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   261,333 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   760,087 1,300 SH   DFND 1 1,300 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   29,234 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   3,027,277 57,324 SH   DFND 1 57,324 0 0
VANGUARD MUTUAL FUNDS - 92204A702   746,054 1,272 SH   DFND 1 1,272 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,193,466 85,956 SH   DFND 1 85,956 0 0
VANGUARD MUTUAL FUNDS - 92206C706   41,086 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922908744   260,459 1,492 SH   DFND 1 1,492 0 0
VANGUARD MUTUAL FUNDS - 922908769   367,825 1,299 SH   DFND 1 1,299 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   374,461 8,338 SH   DFND 1 8,338 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   22,455 500 SH   OTR 1 500 0 0
VISA INC COMMON STOCK 92826C839   410,776 1,494 SH   DFND 1 1,494 0 0
WAL MART STORES INC COMMON STOCK 931142103   266,718 3,303 SH   DFND 1 3,303 0 0
EATON CORP NEW COMMON STOCK G29183103   209,139 631 SH   DFND 1 631 0 0
LINDE PLC FOREIGN STOCK G54950103   336,186 705 SH   DFND 1 705 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   354,359 3,936 SH   DFND 1 3,936 0 0