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   399,054 3,528 SH   DFND 1 3,528 0 0
ABBVIE INC COMMON STOCK 00287Y109   385,254 2,168 SH   DFND 1 2,168 0 0
ABBVIE INC COMMON STOCK 00287Y109   17,770 100 SH   OTR 1 100 0 0
AIR TRANSPORT SERVICES GROUP COMMON STOCK 00922R105   216,107 9,832 SH   DFND 1 9,832 0 0
ALPHABET INC COMMON STOCK 02079K305   1,049,860 5,546 SH   DFND 1 5,546 0 0
AMAZON COM INC COMMON STOCK 023135106   1,829,056 8,337 SH   DFND 1 8,337 0 0
AMAZON COM INC COMMON STOCK 023135106   7,898 36 SH   OTR 1 36 0 0
APPLE INC COMMON STOCK 037833100   6,641,145 26,520 SH   DFND 1 26,520 0 0
APPLE INC COMMON STOCK 037833100   142,739 570 SH   OTR 1 570 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   392,753 2,415 SH   DFND 1 2,415 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   52,855 325 SH   OTR 1 325 0 0
ARISTA NETWORKS INC COMMON STOCK 040413205   206,471 1,868 SH   DFND 1 1,868 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   223,681 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   906,121 20,617 SH   DFND 1 20,617 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   273,806 4,841 SH   DFND 1 4,841 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   49,207 870 SH   OTR 1 870 0 0
BROADCOM INC COMMON STOCK 11135F101   589,801 2,544 SH   DFND 1 2,544 0 0
BROADCOM INC COMMON STOCK 11135F101   1,391 6 SH   OTR 1 6 0 0
CME GROUP INC COMMON STOCK 12572Q105   203,202 875 SH   DFND 1 875 0 0
CSX CORP COMMON STOCK 126408103   595,480 18,453 SH   DFND 1 18,453 0 0
CSX CORP COMMON STOCK 126408103   43,565 1,350 SH   OTR 1 1,350 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   210,804 615 SH   DFND 1 615 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   3,573,493 24,672 SH   DFND 1 24,672 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   26,361 182 SH   OTR 1 182 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   401,969 6,790 SH   DFND 1 6,790 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   23,680 400 SH   OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105   543,533 2,975 SH   DFND 1 2,975 0 0
CLOROX COMMON STOCK 189054109   198,952 1,225 SH   DFND 1 1,225 0 0
CLOROX COMMON STOCK 189054109   16,241 100 SH   OTR 1 100 0 0
COCA COLA COMMON STOCK 191216100   261,243 4,196 SH   DFND 1 4,196 0 0
COCA COLA COMMON STOCK 191216100   18,678 300 SH   OTR 1 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   341,346 3,442 SH   DFND 1 3,442 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   23,404 236 SH   OTR 1 236 0 0
CORNING INC COMMON STOCK 219350105   286,831 6,036 SH   DFND 1 5,915 0 121
CORNING INC COMMON STOCK 219350105   14,256 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,071,120 1,169 SH   DFND 1 1,169 0 0
D R HORTON INC COMMON STOCK 23331A109   520,831 3,725 SH   DFND 1 3,725 0 0
DANAHER CORP COMMON STOCK 235851102   203,152 885 SH   DFND 1 885 0 0
DEERE & CO COMMON STOCK 244199105   1,107,978 2,615 SH   DFND 1 2,615 0 0
ESCALADE INC COMMON STOCK 296056104   958,559 67,126 SH   DFND 1 67,126 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   1,629,474 15,148 SH   DFND 1 15,148 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   112,949 1,050 SH   OTR 1 1,050 0 0
META PLATFORMS INC COMMON STOCK 30303M102   2,015,912 3,443 SH   DFND 1 3,443 0 0
FISERV COMMON STOCK 337738108   1,390,695 6,770 SH   DFND 1 6,770 0 0
GENUINE PARTS CO COMMON STOCK 372460105   291,899 2,500 SH   DFND 1 2,500 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,002,431 2,577 SH   DFND 1 2,577 0 0
HOME DEPOT INC COMMON STOCK 437076102   48,624 125 SH   OTR 1 125 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   244,865 1,084 SH   DFND 1 1,084 0 0
IBM COMMON STOCK 459200101   333,923 1,519 SH   DFND 1 1,519 0 0
IBM COMMON STOCK 459200101   127,501 580 SH   OTR 1 580 0 0
INVESCO MUTUAL FUNDS - 46090E103   1,033,195 2,021 SH   DFND 1 2,021 0 0
INVESCO MUTUAL FUNDS - 46137V472   234,261 2,379 SH   DFND 1 2,379 0 0
ISHARES MUTUAL FUNDS - 464287200   16,190,463 27,503 SH   DFND 1 27,503 0 0
ISHARES MUTUAL FUNDS - 464287200   269,615 458 SH   OTR 1 458 0 0
ISHARES MUTUAL FUNDS - 464287309   9,793,377 96,458 SH   DFND 1 96,458 0 0
ISHARES MUTUAL FUNDS - 464287309   119,704 1,179 SH   OTR 1 1,179 0 0
ISHARES MUTUAL FUNDS - 464287408   5,113,865 26,791 SH   DFND 1 26,791 0 0
ISHARES MUTUAL FUNDS - 464287408   49,247 258 SH   OTR 1 258 0 0
ISHARES MUTUAL FUNDS - 464287457   3,020,637 36,846 SH   DFND 1 36,846 0 0
ISHARES MUTUAL FUNDS - 464287457   18,527 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   743,475 9,833 SH   DFND 1 9,833 0 0
ISHARES MUTUAL FUNDS - 464287499   1,912,183 21,631 SH   DFND 1 21,631 0 0
ISHARES MUTUAL FUNDS - 464287499   75,317 852 SH   OTR 1 852 0 0
ISHARES MUTUAL FUNDS - 464287507   9,116,641 146,311 SH   DFND 1 146,233 0 78
ISHARES MUTUAL FUNDS - 464287549   399,887 3,917 SH   DFND 1 3,917 0 0
ISHARES MUTUAL FUNDS - 464287614   510,008 1,270 SH   DFND 1 1,270 0 0
ISHARES MUTUAL FUNDS - 464287622   4,314,688 13,393 SH   DFND 1 13,393 0 0
ISHARES MUTUAL FUNDS - 464287655   243,940 1,104 SH   DFND 1 1,104 0 0
ISHARES MUTUAL FUNDS - 464287721   247,893 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   63,808 400 SH   OTR 1 400 0 0
ISHARES MUTUAL FUNDS - 464287804   5,118,654 44,425 SH   DFND 1 44,425 0 0
ISHARES MUTUAL FUNDS - 464287804   18,666 162 SH   OTR 1 162 0 0
ISHARES MUTUAL FUNDS - 464288513   235,950 3,000 SH   OTR 1 3,000 0 0
ISHARES MUTUAL FUNDS - 464288570   287,864 2,611 SH   DFND 1 2,497 0 114
ISHARES MUTUAL FUNDS - 464288638   4,796,821 93,124 SH   DFND 1 93,124 0 0
ISHARES MUTUAL FUNDS - 464288638   28,021 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,205,699 23,321 SH   DFND 1 23,321 0 0
ISHARES MUTUAL FUNDS - 464288646   10,082 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   493,976 4,275 SH   DFND 1 4,275 0 0
ISHARES MUTUAL FUNDS - 464288661   461,507 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 46432F842   916,448 13,040 SH   DFND 1 13,040 0 0
ISHARES MUTUAL FUNDS - 46432F842   47,580 677 SH   OTR 1 677 0 0
ISHARES MUTUAL FUNDS - 46432F859   3,689,228 77,229 SH   DFND 1 77,229 0 0
ISHARES MUTUAL FUNDS - 46432F859   28,805 603 SH   OTR 1 603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,454,393 10,239 SH   DFND 1 10,134 0 105
JP MORGAN CHASE & CO COMMON STOCK 46625H100   47,942 200 SH   OTR 1 200 0 0
JP MORGAN MUTUAL FUNDS - 46641Q159   2,277,488 49,923 SH   DFND 1 49,923 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   696,491 4,816 SH   DFND 1 4,816 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   49,171 340 SH   OTR 1 340 0 0
KROGER CO COMMON STOCK 501044101   387,263 6,333 SH   DFND 1 6,333 0 0
LENNOX INTL COMMON STOCK 526107107   1,379,455 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,786,408 2,314 SH   DFND 1 2,314 0 0
LOWES COMPANY COMMON STOCK 548661107   719,916 2,917 SH   DFND 1 2,917 0 0
MCDONALDS COMMON STOCK 580135101   724,435 2,499 SH   DFND 1 2,499 0 0
MCDONALDS COMMON STOCK 580135101   36,237 125 SH   OTR 1 125 0 0
MERCK & CO COMMON STOCK 58933Y105   764,403 7,684 SH   DFND 1 7,684 0 0
MERCK & CO COMMON STOCK 58933Y105   102,564 1,031 SH   OTR 1 1,031 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,066,426 7,275 SH   DFND 1 7,275 0 0
MICROSOFT CORP COMMON STOCK 594918104   71,655 170 SH   OTR 1 170 0 0
MORGAN STANLEY COMMON STOCK 617446448   624,827 4,970 SH   DFND 1 4,970 0 0
NETFLIX COM INC COMMON STOCK 64110L106   254,027 285 SH   DFND 1 285 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   363,974 5,077 SH   DFND 1 5,077 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,216,053 16,502 SH   DFND 1 16,502 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   8,326 62 SH   OTR 1 62 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,604,578 9,629 SH   DFND 1 9,629 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   252,040 2,110 SH   DFND 1 2,110 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   18,722,599 590,805 SH   DFND 1 13,503 577,302 0
PEOPLES BANCORP INC COMMON STOCK 709789101   3,169 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   406,915 2,676 SH   DFND 1 2,676 0 0
PEPSICO INC COMMON STOCK 713448108   29,196 192 SH   OTR 1 192 0 0
PHILLIPS 66 COMMON STOCK 718546104   779,740 6,844 SH   DFND 1 6,844 0 0
PHILLIPS 66 COMMON STOCK 718546104   11,393 100 SH   OTR 1 100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,964,893 17,685 SH   DFND 1 17,685 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   71,084 424 SH   OTR 1 424 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   264,289 1,103 SH   DFND 1 1,103 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   298,933 2,522 SH   DFND 1 2,522 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   11,853 100 SH   OTR 1 100 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   238,152 2,058 SH   DFND 1 2,058 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   11,572 100 SH   OTR 1 100 0 0
SPDR MUTUAL FUNDS - 78462F103   6,650,250 11,347 SH   DFND 1 11,347 0 0
SPDR MUTUAL FUNDS - 78464A763   769,482 5,825 SH   DFND 1 5,825 0 0
SPDR MUTUAL FUNDS - 78464A763   70,013 530 SH   OTR 1 530 0 0
SPDR MUTUAL FUNDS - 78468R408   229,624 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524755   1,429,694 43,050 SH   DFND 1 43,050 0 0
SCHWAB MUTUAL FUNDS - 808524755   10,494 316 SH   OTR 1 316 0 0
SCHWAB MUTUAL FUNDS - 808524797   2,322,798 85,022 SH   DFND 1 85,022 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   420,493 1,237 SH   DFND 1 1,237 0 0
STRYKER COMMON STOCK 863667101   397,857 1,105 SH   DFND 1 1,105 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   646,721 2,836 SH   DFND 1 2,836 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   22,804 100 SH   OTR 1 100 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   264,502 7,044 SH   DFND 1 7,044 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   492,711 974 SH   DFND 1 974 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   25,293 50 SH   OTR 1 50 0 0
VANGUARD MUTUAL FUNDS - 921943858   2,757,210 57,658 SH   DFND 1 57,658 0 0
VANGUARD MUTUAL FUNDS - 92204A702   749,890 1,206 SH   DFND 1 1,206 0 0
VANGUARD MUTUAL FUNDS - 92206C706   5,086,716 87,702 SH   DFND 1 87,702 0 0
VANGUARD MUTUAL FUNDS - 92206C706   39,440 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922908744   271,389 1,603 SH   DFND 1 1,603 0 0
VANGUARD MUTUAL FUNDS - 922908769   589,184 2,033 SH   DFND 1 2,033 0 0
VISA INC COMMON STOCK 92826C839   358,706 1,135 SH   DFND 1 1,135 0 0
WAL MART STORES INC COMMON STOCK 931142103   182,598 2,021 SH   DFND 1 2,021 0 0
WAL MART STORES INC COMMON STOCK 931142103   45,175 500 SH   OTR 1 500 0 0
LINDE PLC FOREIGN STOCK G54950103   295,163 705 SH   DFND 1 705 0 0