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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Common Stock 88579Y101 220 1,117 SH   SOLE   450 0 667
ABBOTT LABORATORIES Common Stock 002824100 1,306 21,412 SH   SOLE   13,725 650 7,037
ABBVIE INC Common Stock 00287Y109 549 5,927 SH   SOLE   2,677 0 3,250
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 1,048 6,407 SH   SOLE   3,957 0 2,450
ALPHABET INC CL A Common Stock 02079K305 917 812 SH   SOLE   527 0 285
ALPHABET INC CL C Common Stock 02079K107 1,207 1,082 SH   SOLE   690 50 342
AMAZON COM INC Common Stock 023135106 275 162 SH   SOLE   101 0 61
AMGEN INC Common Stock 031162100 733 3,969 SH   SOLE   1,368 0 2,601
ANALOG DEVICES INC Common Stock 032654105 327 3,413 SH   SOLE   1,750 0 1,663
ANHEUSER BUSCH INBEV NV A D R Int'l Common Stock 03524A108 235 2,330 SH   SOLE   207 0 2,123
APPLE INC Common Stock 037833100 2,405 12,992 SH   SOLE   8,384 275 4,333
AT&T INC Common Stock 00206R102 787 24,500 SH   SOLE   14,559 0 9,941
AUTOMATIC DATA PROCESSING Common Stock 053015103 880 6,558 SH   SOLE   4,421 0 2,137
BAXTER INTERNATIONAL INC Common Stock 071813109 609 8,250 SH   SOLE   4,025 0 4,225
BECTON DICKINSON AND CO Common Stock 075887109 222 927 SH   SOLE   872 0 55
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 783 4,196 SH   SOLE   1,247 0 2,949
BERKSHIRE HILLS BANCORP INC Common Stock 084680107 212 5,218 SH   SOLE   5,218 0 0
BLACKROCK INC Common Stock 09247X101 707 1,417 SH   SOLE   784 125 508
BOEING CO Common Stock 097023105 510 1,519 SH   SOLE   694 0 825
BOOKING HOLDINGS INC Common Stock 09857L108 310 153 SH   SOLE   87 30 36
BRISTOL MYERS SQUIBB CO Common Stock 110122108 402 7,268 SH   SOLE   3,285 0 3,983
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 683 8,160 SH   SOLE   6,960 500 700
CATERPILLAR INC Common Stock 149123101 333 2,458 SH   SOLE   2,160 0 298
CHEVRON CORPORATION Common Stock 166764100 2,838 22,447 SH   SOLE   18,934 250 3,263
CHUBB LIMITED Common Stock H1467J104 243 1,911 SH   SOLE   518 0 1,393
CINCINNATI FINL CORP Common Stock 172062101 2,368 35,416 SH   SOLE   35,416 0 0
CINTAS CORP Common Stock 172908105 339 1,831 SH   SOLE   1,831 0 0
CISCO SYSTEMS INC Common Stock 17275R102 651 15,140 SH   SOLE   14,046 0 1,094
CITIGROUP INC Common Stock 172967424 251 3,749 SH   SOLE   2,981 350 418
COCA COLA COMPANY Common Stock 191216100 758 17,286 SH   SOLE   14,796 0 2,490
COMCAST CORP CL A Common Stock 20030N101 206 6,265 SH   SOLE   4,633 0 1,632
CONOCOPHILLIPS Common Stock 20825C104 203 2,920 SH   SOLE   2,505 0 415
CONVERGYS CORP Common Stock 212485106 271 11,100 SH   SOLE   11,100 0 0
CULLEN FROST BANKERS INC Common Stock 229899109 350 3,236 SH   SOLE   400 0 2,836
CVS HEALTH CORPORATION Common Stock 126650100 444 6,905 SH   SOLE   2,159 0 4,746
DANAHER CORP Common Stock 235851102 292 2,963 SH   SOLE   2,312 600 51
DEERE & CO Common Stock 244199105 289 2,065 SH   SOLE   360 0 1,705
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 321 2,227 SH   SOLE   690 0 1,537
DISNEY WALT CO Common Stock 254687106 1,203 11,478 SH   SOLE   6,762 0 4,716
DOWDUPONT INC Common Stock 26078J100 1,291 19,583 SH   SOLE   18,265 384 934
DUKE ENERGY HOLDING CORP Common Stock 26441C204 620 7,835 SH   SOLE   4,722 0 3,113
EATON CORP PLC Int'l Common Stock G29183103 592 7,923 SH   SOLE   6,437 0 1,486
EMERSON ELECTRIC CO Common Stock 291011104 362 5,241 SH   SOLE   4,814 0 427
ENBRIDGE INC Int'l Common Stock 29250N105 1,027 28,771 SH   SOLE   12,922 0 15,849
ESSA BANCORP INC Common Stock 29667D104 237 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 257 6,038 SH   SOLE   5,590 0 448
EXPRESS SCRIPTS HOLDING CO Common Stock 30219G108 227 2,934 SH   SOLE   2,759 0 175
EXXON MOBIL CORP Common Stock 30231G102 2,088 25,242 SH   SOLE   20,621 450 4,171
FED EX CORP Common Stock 31428X106 732 3,226 SH   SOLE   1,533 0 1,693
FIFTH THIRD BANCORP Common Stock 316773100 251 8,735 SH   SOLE   265 0 8,470
FIRST FINANCIAL BANCORP Common Stock 320209109 555 18,110 SH   SOLE   18,110 0 0
FISERV INC Common Stock 337738108 211 2,842 SH   SOLE   2,810 0 32
GENERAL ELECTRIC CO Common Stock 369604103 272 19,986 SH   SOLE   15,625 0 4,361
GENERAL MILLS INC Common Stock 370334104 470 10,617 SH   SOLE   8,848 850 919
GILEAD SCIENCES INC Common Stock 375558103 310 4,381 SH   SOLE   1,782 0 2,599
HERSHEY COMPANY Common Stock 427866108 798 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 465 2,382 SH   SOLE   1,961 0 421
HONEYWELL INTERNATIONAL INC Common Stock 438516106 466 3,238 SH   SOLE   2,583 0 655
ILLINOIS TOOL WORKS INC Common Stock 452308109 369 2,664 SH   SOLE   981 0 1,683
INTEL CORP Common Stock 458140100 2,206 44,369 SH   SOLE   29,674 1,000 13,695
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 324 2,319 SH   SOLE   1,868 0 451
INVESTORS BANCORP INC NEW Common Stock 46146L101 134 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGINING MARKETS ETF International Equity ETF 46434G103 3,544 67,487 SH   SOLE   59,115 2,000 6,372
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 712 12,297 SH   SOLE   11,508 0 789
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 7,861 124,057 SH   SOLE   109,147 4,075 10,835
J P MORGAN CHASE CO Common Stock 46625H100 1,363 13,084 SH   SOLE   9,625 0 3,459
JOHNSON & JOHNSON Common Stock 478160104 1,801 14,844 SH   SOLE   11,629 250 2,965
JOHNSON CONTROLS INTL PLC Common Stock G51502105 216 6,458 SH   SOLE   4,937 626 895
KEYCORP NEW Common Stock 493267108 660 33,787 SH   SOLE   33,787 0 0
L C N B CORP Common Stock 50181P100 12,395 629,190 SH   SOLE   618,990 0 10,200
LOCKHEED MARTIN CORP Common Stock 539830109 1,086 3,677 SH   SOLE   3,288 150 239
LOWES CO INC Common Stock 548661107 965 10,094 SH   SOLE   6,332 0 3,762
M & T BANK CORP Common Stock 55261F104 214 1,260 SH   SOLE   250 0 1,010
MASTERCARD INC Common Stock 57636Q104 747 3,801 SH   SOLE   1,866 0 1,935
MCCORMICK CO INC Common Stock 579780206 567 4,883 SH   SOLE   4,520 0 363
MCDONALDS CORP Common Stock 580135101 1,064 6,790 SH   SOLE   5,360 300 1,130
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 284 3,314 SH   SOLE   2,171 0 1,143
MERCK AND CO INC Common Stock 58933Y105 610 10,048 SH   SOLE   8,957 0 1,091
MICROSOFT CORP Common Stock 594918104 3,275 33,215 SH   SOLE   23,558 0 9,657
NEXTERA ENERGY INC Common Stock 65339F101 436 2,610 SH   SOLE   2,050 0 560
NIKE INC Common Stock 654106103 1,690 21,209 SH   SOLE   16,684 900 3,625
NORFOLK SOUTHERN CORP Common Stock 655844108 413 2,740 SH   SOLE   2,020 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,177 15,584 SH   SOLE   10,231 600 4,753
NSGC HOLDING COMPANY Common Stock NSGCHOLD1 1,757 1,000 SH   SOLE   1,000 0 0
ORACLE CORPORATION Common Stock 68389X105 719 16,314 SH   SOLE   9,392 900 6,022
PAYPAL HOLDINGS INC Common Stock 70450Y103 273 3,273 SH   SOLE   2,673 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 192 10,618 SH   SOLE   10,618 0 0
PEPSICO INC Common Stock 713448108 1,760 16,162 SH   SOLE   12,910 0 3,252
PFIZER INC Common Stock 717081103 1,021 28,150 SH   SOLE   23,213 1,400 3,537
PHILLIPS 66 Common Stock 718546104 206 1,837 SH   SOLE   1,728 0 109
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 377 2,793 SH   SOLE   2,277 0 516
PRAXAIR INC Common Stock 74005P104 653 4,127 SH   SOLE   2,420 0 1,707
PROCTER & GAMBLE CO Common Stock 742718109 5,528 70,816 SH   SOLE   67,372 500 2,944
QUALCOMM INC Common Stock 747525103 438 7,807 SH   SOLE   3,023 0 4,784
SCHLUMBERGER LTD Int'l Common Stock 806857108 590 8,798 SH   SOLE   4,069 0 4,729
SCHWAB STRATEGIC TR Exchange Traded Fund 808524300 2,403 31,706 SH   SOLE   30,262 0 1,444
SCHWAB STRATEGIC TR Exchange Traded Fund 808524409 2,587 48,701 SH   SOLE   46,527 0 2,174
SOUTHERN CO Common Stock 842587107 644 13,906 SH   SOLE   12,123 700 1,083
STARBUCKS CORP Common Stock 855244109 508 10,394 SH   SOLE   8,214 0 2,180
STRYKER CORP Common Stock 863667101 229 1,359 SH   SOLE   969 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 561 4,831 SH   SOLE   3,466 0 1,365
TEXAS INSTRUMENTS INC Common Stock 882508104 243 2,207 SH   SOLE   1,277 0 930
TFS FINL CORP Common Stock 87240R107 312 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 916 9,619 SH   SOLE   4,325 0 5,294
UNION PACIFIC CORP Common Stock 907818108 229 1,619 SH   SOLE   1,470 0 149
UNITED TECHNOLOGIES CORP Common Stock 913017109 1,023 8,185 SH   SOLE   4,742 0 3,443
US BANCORP Common Stock 902973304 2,436 48,710 SH   SOLE   37,301 1,100 10,309
V F CORP Common Stock 918204108 468 5,744 SH   SOLE   3,569 0 2,175
VANGUARD INDEX FDS Exchange Traded Fund 922908553 575 7,054 SH   SOLE   6,833 0 221
VERIZON COMMUNICATIONS INC Common Stock 92343V104 938 18,637 SH   SOLE   11,804 269 6,564
VISA INC CLASS A SHARES Common Stock 92826C839 232 1,750 SH   SOLE   1,128 0 622
WALMART INC Common Stock 931142103 249 2,909 SH   SOLE   2,512 0 397
WELLS FARGO CO Common Stock 949746101 435 7,845 SH   SOLE   5,051 0 2,794
WESTERN UNION CO Common Stock 959802109 221 10,895 SH   SOLE   10,060 0 835