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   434,551 3,195 SH   DFND 1 3,195 0 0
ABBVIE INC COMMON STOCK 00287Y109   420,616 2,266 SH   DFND 1 2,266 0 0
ABBVIE INC COMMON STOCK 00287Y109   36,195 195 SH   OTR 1 195 0 0
ALPHABET INC COMMON STOCK 02079K305   689,235 3,911 SH   DFND 1 3,911 0 0
AMAZON COM INC COMMON STOCK 023135106   1,776,399 8,097 SH   DFND 1 8,097 0 0
AMAZON COM INC COMMON STOCK 023135106   7,898 36 SH   OTR 1 36 0 0
APPLE INC COMMON STOCK 037833100   3,665,777 17,867 SH   DFND 1 17,867 0 0
APPLE INC COMMON STOCK 037833100   111,817 545 SH   OTR 1 545 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   361,563 1,975 SH   DFND 1 1,975 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105   59,498 325 SH   OTR 1 325 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104   226,481 7,567 SH   DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104   966,843 20,432 SH   DFND 1 20,432 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   182,802 3,949 SH   DFND 1 3,949 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108   40,272 870 SH   OTR 1 870 0 0
BROADCOM INC COMMON STOCK 11135F101   489,555 1,776 SH   DFND 1 1,776 0 0
BROADCOM INC COMMON STOCK 11135F101   50,445 183 SH   OTR 1 183 0 0
CME GROUP INC COMMON STOCK 12572Q105   241,168 875 SH   DFND 1 875 0 0
CSX CORP COMMON STOCK 126408103   586,624 17,978 SH   DFND 1 17,978 0 0
CSX CORP COMMON STOCK 126408103   19,578 600 SH   OTR 1 600 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108   251,418 615 SH   DFND 1 615 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   3,358,096 23,452 SH   DFND 1 23,452 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   26,060 182 SH   OTR 1 182 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   469,149 6,762 SH   DFND 1 6,762 0 0
CISCO SYSTEMS COMMON STOCK 17275R102   49,259 710 SH   OTR 1 710 0 0
CINTAS CORPORATION COMMON STOCK 172908105   572,776 2,570 SH   DFND 1 2,570 0 0
COCA COLA COMMON STOCK 191216100   212,109 2,998 SH   DFND 1 2,998 0 0
COCA COLA COMMON STOCK 191216100   21,225 300 SH   OTR 1 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   198,685 2,214 SH   DFND 1 2,214 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   21,179 236 SH   OTR 1 236 0 0
CORNING INC COMMON STOCK 219350105   302,393 5,750 SH   DFND 1 5,640 0 110
CORNING INC COMMON STOCK 219350105   15,777 300 SH   OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   916,686 926 SH   DFND 1 926 0 0
D R HORTON INC COMMON STOCK 23331A109   473,781 3,675 SH   DFND 1 3,675 0 0
DEERE & CO COMMON STOCK 244199105   936,637 1,842 SH   DFND 1 1,842 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807   1,626,983 37,987 SH   DFND 1 37,987 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807   43,173 1,008 SH   OTR 1 1,008 0 0
ESCALADE INC COMMON STOCK 296056104   938,422 67,126 SH   DFND 1 67,126 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   1,495,079 13,869 SH   DFND 1 13,869 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102   113,190 1,050 SH   OTR 1 1,050 0 0
META PLATFORMS INC COMMON STOCK 30303M102   2,483,677 3,365 SH   DFND 1 3,365 0 0
FISERV COMMON STOCK 337738108   436,371 2,531 SH   DFND 1 2,531 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   208,064 2,809 SH   DFND 1 2,809 0 0
GENUINE PARTS CO COMMON STOCK 372460105   236,554 1,950 SH   DFND 1 1,950 0 0
HOME DEPOT INC COMMON STOCK 437076102   903,034 2,463 SH   DFND 1 2,463 0 0
HOME DEPOT INC COMMON STOCK 437076102   64,162 175 SH   OTR 1 175 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   245,688 1,055 SH   DFND 1 1,055 0 0
IBM COMMON STOCK 459200101   459,564 1,559 SH   DFND 1 1,559 0 0
IBM COMMON STOCK 459200101   198,977 675 SH   OTR 1 675 0 0
INVESCO MUTUAL FUNDS - 46090E103   691,757 1,254 SH   DFND 1 1,254 0 0
ISHARES MUTUAL FUNDS - 464287200   16,271,929 26,207 SH   DFND 1 26,207 0 0
ISHARES MUTUAL FUNDS - 464287200   264,503 426 SH   OTR 1 426 0 0
ISHARES MUTUAL FUNDS - 464287309   10,345,553 93,965 SH   DFND 1 93,965 0 0
ISHARES MUTUAL FUNDS - 464287309   436,107 3,961 SH   OTR 1 3,961 0 0
ISHARES MUTUAL FUNDS - 464287408   4,733,274 24,221 SH   DFND 1 24,221 0 0
ISHARES MUTUAL FUNDS - 464287408   46,901 240 SH   OTR 1 240 0 0
ISHARES MUTUAL FUNDS - 464287457   3,559,252 42,955 SH   DFND 1 42,916 0 39
ISHARES MUTUAL FUNDS - 464287457   18,726 226 SH   OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465   752,039 8,413 SH   DFND 1 8,413 0 0
ISHARES MUTUAL FUNDS - 464287499   1,692,525 18,403 SH   DFND 1 18,403 0 0
ISHARES MUTUAL FUNDS - 464287499   72,840 792 SH   OTR 1 792 0 0
ISHARES MUTUAL FUNDS - 464287507   8,406,068 135,538 SH   DFND 1 135,538 0 0
ISHARES MUTUAL FUNDS - 464287614   528,604 1,245 SH   DFND 1 1,245 0 0
ISHARES MUTUAL FUNDS - 464287622   4,413,731 12,998 SH   DFND 1 12,998 0 0
ISHARES MUTUAL FUNDS - 464287655   229,169 1,062 SH   DFND 1 1,062 0 0
ISHARES MUTUAL FUNDS - 464287721   269,261 1,554 SH   DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721   64,456 372 SH   OTR 1 372 0 0
ISHARES MUTUAL FUNDS - 464287804   4,264,826 39,023 SH   DFND 1 39,023 0 0
ISHARES MUTUAL FUNDS - 464287804   16,503 151 SH   OTR 1 151 0 0
ISHARES MUTUAL FUNDS - 464288513   241,950 3,000 SH   OTR 1 3,000 0 0
ISHARES MUTUAL FUNDS - 464288638   4,330,132 81,256 SH   DFND 1 81,256 0 0
ISHARES MUTUAL FUNDS - 464288638   28,990 544 SH   OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646   1,255,101 23,789 SH   DFND 1 23,789 0 0
ISHARES MUTUAL FUNDS - 464288646   10,288 195 SH   OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661   366,202 3,075 SH   DFND 1 3,075 0 0
ISHARES MUTUAL FUNDS - 464288661   475,645 3,994 SH   OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 46431W838   248,082 4,935 SH   DFND 1 4,935 0 0
ISHARES MUTUAL FUNDS - 46432F842   920,033 11,021 SH   DFND 1 11,021 0 0
ISHARES MUTUAL FUNDS - 46432F842   74,882 897 SH   OTR 1 897 0 0
ISHARES MUTUAL FUNDS - 46432F859   3,789,308 77,889 SH   DFND 1 77,889 0 0
ISHARES MUTUAL FUNDS - 46432F859   29,336 603 SH   OTR 1 603 0 0
ISHARES MUTUAL FUNDS - 46435U861   1,640,533 32,602 SH   DFND 1 32,602 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,770,964 9,558 SH   DFND 1 9,527 0 31
JP MORGAN CHASE & CO COMMON STOCK 46625H100   89,873 310 SH   OTR 1 310 0 0
JP MORGAN MUTUAL FUNDS - 46641Q159   2,170,971 46,869 SH   DFND 1 46,869 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   336,664 2,204 SH   DFND 1 2,204 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   51,936 340 SH   OTR 1 340 0 0
KROGER CO COMMON STOCK 501044101   432,747 6,033 SH   DFND 1 6,033 0 0
LENNOX INTL COMMON STOCK 526107107   1,297,815 2,264 SH   DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108   576,075 739 SH   DFND 1 739 0 0
LOWES COMPANY COMMON STOCK 548661107   607,259 2,737 SH   DFND 1 2,737 0 0
MCDONALDS COMMON STOCK 580135101   702,963 2,406 SH   DFND 1 2,406 0 0
MCDONALDS COMMON STOCK 580135101   51,130 175 SH   OTR 1 175 0 0
MERCK & CO COMMON STOCK 58933Y105   532,824 6,731 SH   DFND 1 6,731 0 0
MERCK & CO COMMON STOCK 58933Y105   95,862 1,211 SH   OTR 1 1,211 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,821,309 5,672 SH   DFND 1 5,672 0 0
MICROSOFT CORP COMMON STOCK 594918104   114,404 230 SH   OTR 1 230 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   811,601 6,585 SH   DFND 1 6,585 0 0
MORGAN STANLEY COMMON STOCK 617446448   696,556 4,945 SH   DFND 1 4,945 0 0
NETFLIX COM INC COMMON STOCK 64110L106   303,983 227 SH   DFND 1 227 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   220,411 3,175 SH   DFND 1 3,175 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,234,454 14,143 SH   DFND 1 14,143 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   9,795 62 SH   OTR 1 62 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,726,960 7,899 SH   DFND 1 7,899 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   230,913 2,030 SH   DFND 1 2,030 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101   17,289,725 566,134 SH   DFND 1 12,503 553,631 0
PEOPLES BANCORP INC COMMON STOCK 709789101   3,054 100 SH   OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108   316,105 2,394 SH   DFND 1 2,394 0 0
PEPSICO INC COMMON STOCK 713448108   25,352 192 SH   OTR 1 192 0 0
PHILLIPS 66 COMMON STOCK 718546104   722,244 6,054 SH   DFND 1 6,054 0 0
PHILLIPS 66 COMMON STOCK 718546104   28,036 235 SH   OTR 1 235 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,637,383 16,554 SH   DFND 1 16,554 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   67,552 424 SH   OTR 1 424 0 0
PROGRESSIVE CORP COMMON STOCK 743315103   214,556 804 SH   DFND 1 804 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   253,450 2,359 SH   DFND 1 2,359 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   20,414 190 SH   OTR 1 190 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   267,656 1,833 SH   DFND 1 1,833 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   14,602 100 SH   OTR 1 100 0 0
SPDR MUTUAL FUNDS - 78462F103   6,470,128 10,472 SH   DFND 1 10,472 0 0
SPDR MUTUAL FUNDS - 78464A763   801,893 5,908 SH   DFND 1 5,908 0 0
SPDR MUTUAL FUNDS - 78464A763   66,915 493 SH   OTR 1 493 0 0
SPDR MUTUAL FUNDS - 78468R408   231,715 9,094 SH   OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524797   303,668 11,459 SH   DFND 1 11,459 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106   358,467 1,044 SH   DFND 1 1,044 0 0
STRYKER COMMON STOCK 863667101   413,434 1,045 SH   DFND 1 1,045 0 0
TAIWAN SEMICONDUCT MANU CORP COMMON STOCK 874039100   717,520 3,168 SH   DFND 1 3,168 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   636,169 2,765 SH   DFND 1 2,765 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   38,193 166 SH   OTR 1 166 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107   256,614 7,044 SH   DFND 1 7,044 0 0
VANGUARD MUTUAL FUNDS - 921937827   211,310 2,685 SH   DFND 1 2,685 0 0
VANGUARD MUTUAL FUNDS - 921943858   3,510,450 61,576 SH   DFND 1 61,576 0 0
VANGUARD MUTUAL FUNDS - 92204A702   652,668 984 SH   DFND 1 984 0 0
VANGUARD MUTUAL FUNDS - 92206C706   6,111,450 102,181 SH   DFND 1 102,181 0 0
VANGUARD MUTUAL FUNDS - 92206C706   40,671 680 SH   OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922907746   296,190 6,041 SH   DFND 1 6,041 0 0
VANGUARD MUTUAL FUNDS - 922908744   79,003 447 SH   DFND 1 447 0 0
VANGUARD MUTUAL FUNDS - 922908744   196,182 1,110 SH   OTR 1 1,110 0 0
VANGUARD MUTUAL FUNDS - 922908769   386,903 1,273 SH   DFND 1 1,273 0 0
VISA INC COMMON STOCK 92826C839   398,722 1,123 SH   DFND 1 1,123 0 0
WAL MART STORES INC COMMON STOCK 931142103   195,756 2,002 SH   DFND 1 2,002 0 0
WAL MART STORES INC COMMON STOCK 931142103   58,668 600 SH   OTR 1 600 0 0
LINDE PLC FOREIGN STOCK G54950103   355,169 757 SH   DFND 1 757 0 0
JBS N. V. COM EURO FOREIGN STOCK N4732M103   182,625 12,500 SH   DFND 1 12,500 0 0