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
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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 581 3,900 SH   SOLE   3,150 0 750
Abbott Laboratories Common Stock 002824100 2,127 17,967 SH   SOLE   11,938 150 5,879
Abbvie Inc. Common Stock 00287Y109 1,174 7,241 SH   SOLE   4,307 0 2,934
Accenture PLC Int'l Common Stock G1151C101 1,324 3,925 SH   SOLE   2,172 0 1,753
Alibaba Group Holding Ltd Int'l Common Stock 01609W102 220 2,025 SH   SOLE   1,775 0 250
Alphabet Inc. Common Stock 02079K107 3,653 1,308 SH   SOLE   958 30 320
Alphabet Inc. Common Stock 02079K305 3,594 1,292 SH   SOLE   1,092 0 200
Amazon.com Inc Common Stock 023135106 2,057 631 SH   SOLE   606 0 25
American Express Co. Common Stock 025816109 311 1,662 SH   SOLE   1,567 0 95
American Tower REIT Common Stock 03027X100 206 820 SH   SOLE   457 0 363
Amgen Inc. Common Stock 031162100 1,485 6,142 SH   SOLE   3,837 0 2,305
Analog Devices Inc. Common Stock 032654105 579 3,503 SH   SOLE   1,920 0 1,583
Applied Materials Common Stock 038222105 215 1,632 SH   SOLE   1,632 0 0
AT&T Inc. Common Stock 00206R102 689 29,163 SH   SOLE   25,224 0 3,939
Automatic Data Processing Common Stock 053015103 1,239 5,443 SH   SOLE   3,931 0 1,512
Bank of America Corp. Common Stock 060505104 468 11,357 SH   SOLE   10,086 0 1,271
Baxter International Inc. Common Stock 071813109 615 7,925 SH   SOLE   4,445 0 3,480
Becton Dickinson and Co. Common Stock 075887109 412 1,549 SH   SOLE   1,549 0 0
Berkshire Hathaway Inc. Common Stock 084670702 1,686 4,777 SH   SOLE   2,399 0 2,378
Blackrock Inc. Common Stock 09247X101 603 789 SH   SOLE   589 75 125
Boeing Co. Common Stock 097023105 606 3,165 SH   SOLE   2,675 0 490
Booking Holdings Inc. Common Stock 09857L108 244 104 SH   SOLE   64 20 20
Bristol-Myers Squibb Co Common Stock 110122108 641 8,774 SH   SOLE   5,683 0 3,091
Broadcom Ltd. Common Stock 11135F101 1,940 3,081 SH   SOLE   2,523 150 408
C H Robinson Worldwide Inc. Common Stock 12541W209 783 7,270 SH   SOLE   6,970 0 300
Canadian Pacific Railway Ltd. Int'l Common Stock 13645T100 340 4,116 SH   SOLE   2,172 0 1,944
Cardinal Health Inc. Common Stock 14149Y108 445 7,851 SH   SOLE   6,925 0 926
Caterpillar Inc. Common Stock 149123101 605 2,717 SH   SOLE   2,419 0 298
Chevron Corporation Common Stock 166764100 2,950 18,116 SH   SOLE   17,810 0 306
Chubb Ltd Common Stock H1467J104 322 1,506 SH   SOLE   243 0 1,263
Cigna Corp. Common Stock 125523100 396 1,654 SH   SOLE   1,654 0 0
Cincinnati Financial Corp Common Stock 172062101 3,640 26,776 SH   SOLE   26,776 0 0
Cintas Corp. Common Stock 172908105 625 1,469 SH   SOLE   1,469 0 0
Cisco Systems Inc. Common Stock 17275R102 942 16,888 SH   SOLE   16,302 0 586
Citigroup Inc. Common Stock 172967424 456 8,539 SH   SOLE   7,171 700 668
Coca-Cola Company Common Stock 191216100 1,061 17,120 SH   SOLE   15,490 0 1,630
Comcast Corp. Common Stock 20030N101 340 7,262 SH   SOLE   6,185 0 1,077
Concentrix Corp Common Stock 20602D101 227 1,364 SH   SOLE   1,364 0 0
Conocophillips Common Stock 20825C104 206 2,057 SH   SOLE   1,992 0 65
Consumer Staples Select Sector SPDR TR Exchange Traded Fund 81369Y308 280 3,685 SH   SOLE   3,685 0 0
CSX Corp. Common Stock 126408103 206 5,500 SH   SOLE   5,500 0 0
Cullen Frost Bankers Inc Common Stock 229899109 512 3,700 SH   SOLE   1,400 0 2,300
CVS Health Corporation Common Stock 126650100 443 4,375 SH   SOLE   3,725 0 650
Danaher Corp. Common Stock 235851102 524 1,785 SH   SOLE   1,485 300 0
Deere & Co. Common Stock 244199105 853 2,054 SH   SOLE   1,208 0 846
Diageo Plc Sponsored ADR Int'l Common Stock 25243Q205 423 2,083 SH   SOLE   701 0 1,382
Disney Walt Co. Common Stock 254687106 2,283 16,647 SH   SOLE   12,375 0 4,272
Dominion Energy Inc. Common Stock 25746U109 362 4,257 SH   SOLE   4,057 0 200
Duke Energy Holding Corp. Common Stock 26441C204 1,369 12,263 SH   SOLE   9,295 0 2,968
Eaton Corp. Int'l Common Stock G29183103 1,104 7,275 SH   SOLE   6,214 0 1,061
Eli Lilly Co. Common Stock 532457108 709 2,475 SH   SOLE   2,325 0 150
Emerson Electric Co. Common Stock 291011104 765 7,805 SH   SOLE   6,605 500 700
Enbridge Inc. Int'l Common Stock 29250N105 1,191 25,850 SH   SOLE   10,159 0 15,691
Exxon Mobil Corp. Common Stock 30231G102 1,068 12,937 SH   SOLE   11,691 0 1,246
Fed Ex Corp. Common Stock 31428X106 732 3,163 SH   SOLE   1,676 0 1,487
Fifth Third Bancorp Common Stock 316773100 204 4,750 SH   SOLE   496 0 4,254
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 389 10,150 SH   SOLE   10,150 0 0
First Financial Bancorp Common Stock 320209109 477 20,696 SH   SOLE   20,696 0 0
Fiserv Inc. Common Stock 337738108 204 2,010 SH   SOLE   2,010 0 0
General Dynamics Corp. Common Stock 369550108 361 1,497 SH   SOLE   1,497 0 0
General Mills Inc. Common Stock 370334104 1,205 17,800 SH   SOLE   15,586 700 1,514
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 1,604 83,437 SH   SOLE   76,382 2,821 4,234
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 1,140 8,325 SH   SOLE   8,325 0 0
Hershey Company Common Stock 427866108 1,857 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 869 2,903 SH   SOLE   2,754 0 149
Honeywell International Inc. Common Stock 438516106 993 5,102 SH   SOLE   4,671 0 431
Illinois Tool Works Inc. Common Stock 452308109 605 2,888 SH   SOLE   1,548 0 1,340
Intel Corp. Common Stock 458140100 2,151 43,411 SH   SOLE   37,435 1,200 4,776
International Business Machines Corp. Common Stock 459200101 440 3,381 SH   SOLE   2,976 0 405
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 641 1,767 SH   SOLE   1,767 0 0
Invesco S&P 500 Downside Hedged ETF Exchange Traded Fund 46090A705 2,121 58,675 SH   SOLE   55,077 0 3,598
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 6,758 42,848 SH   SOLE   36,792 2,700 3,356
IShares Biotechnology ETF Exchange Traded Fund 464287556 420 3,220 SH   SOLE   2,970 250 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 980 2,161 SH   SOLE   2,161 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 403 3,762 SH   SOLE   2,850 0 912
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 1,214 15,648 SH   SOLE   13,123 0 2,525
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 2,779 50,022 SH   SOLE   47,272 0 2,750
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 13,916 200,196 SH   SOLE   186,596 2,500 11,100
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612 868 8,000 SH   SOLE   8,000 0 0
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 268 1,720 SH   SOLE   1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 252 2,460 SH   SOLE   2,460 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,362 8,803 SH   SOLE   7,453 0 1,350
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,685 15,617 SH   SOLE   14,367 500 750
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,784 27,585 SH   SOLE   26,910 0 675
IShares TR MSCI EAFE ETF International Equity ETF 464287465 848 11,528 SH   SOLE   10,113 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 273 6,043 SH   SOLE   6,043 0 0
ISHARES TR MSCI INDIA ETF International Equity ETF 46429B598 305 6,850 SH   SOLE   5,850 1,000 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 340 1,225 SH   SOLE   326 0 899
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 879 4,282 SH   SOLE   4,132 0 150
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,801 10,677 SH   SOLE   10,377 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 1,066 13,658 SH   SOLE   10,942 0 2,716
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 421 4,190 SH   SOLE   4,190 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 308 2,572 SH   SOLE   2,572 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 282 2,203 SH   SOLE   1,549 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 609 4,891 SH   SOLE   4,891 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 289 4,885 SH   SOLE   3,185 1,000 700
IShares TR US Real Estate ETF Exchange Traded Fund 464287739 293 2,707 SH   SOLE   2,707 0 0
Johnson & Johnson Common Stock 478160104 3,223 18,186 SH   SOLE   15,494 250 2,442
JP Morgan Chase Co. Common Stock 46625H100 2,037 14,945 SH   SOLE   13,166 0 1,779
Kroger Co. Common Stock 501044101 1,037 18,070 SH   SOLE   16,395 0 1,675
Lam Research Corp. Common Stock 512807108 1,085 2,018 SH   SOLE   1,800 75 143
LCNB Corp. Common Stock 50181P100 4,256 242,348 SH   SOLE   232,148 0 10,200
LCNB Corp. Common Stock 50181P100 4,844 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 626 1,960 SH   SOLE   477 0 1,483
Lockheed Martin Corp. Common Stock 539830109 1,341 3,039 SH   SOLE   2,832 100 107
Lowes Co Inc. Common Stock 548661107 2,268 11,217 SH   SOLE   8,441 0 2,776
Mastercard Inc. Common Stock 57636Q104 1,073 3,003 SH   SOLE   1,862 0 1,141
McCormick Co Inc. Common Stock 579780206 434 4,350 SH   SOLE   3,850 0 500
McDonalds Corp. Common Stock 580135101 1,333 5,391 SH   SOLE   4,408 0 983
Medtronic PLC Int'l Common Stock G5960L103 588 5,299 SH   SOLE   4,198 0 1,101
Merck and Co Inc. Common Stock 58933Y105 1,753 21,369 SH   SOLE   20,311 0 1,058
Microsoft Corp. Common Stock 594918104 8,894 28,846 SH   SOLE   21,681 135 7,030
Mondelez International Inc Common Stock 609207105 668 10,648 SH   SOLE   9,805 0 843
NextEra Energy Inc. Common Stock 65339F101 795 9,383 SH   SOLE   8,182 0 1,201
Nike Inc. Common Stock 654106103 1,502 11,159 SH   SOLE   9,071 0 2,088
Norfolk Southern Corp. Common Stock 655844108 751 2,632 SH   SOLE   2,062 0 570
Novartis AG ADR Int'l Common Stock 66987V109 1,162 13,240 SH   SOLE   10,574 450 2,216
Nucor Corporation Common Stock 670346105 250 1,680 SH   SOLE   1,680 0 0
Nvidia Corp Common Stock 67066G104 824 3,020 SH   SOLE   2,820 0 200
NXP Semiconductors Int'l Common Stock N6596X109 224 1,210 SH   SOLE   1,210 0 0
Oracle Corporation Common Stock 68389X105 600 7,247 SH   SOLE   6,309 0 938
PayPal Holdings Inc. Common Stock 70450Y103 559 4,830 SH   SOLE   3,780 600 450
Pepsico Inc. Common Stock 713448108 2,537 15,160 SH   SOLE   12,601 0 2,559
Pfizer Inc. Common Stock 717081103 1,823 35,209 SH   SOLE   31,075 1,000 3,134
Phillips 66 Common Stock 718546104 231 2,671 SH   SOLE   2,511 0 160
Pioneer Natural Resources Co. Common Stock 723787107 248 990 SH   SOLE   990 0 0
PNC Financial Services Group Inc. Common Stock 693475105 451 2,443 SH   SOLE   2,200 0 243
Procter & Gamble Co. Common Stock 742718109 8,120 53,139 SH   SOLE   50,152 400 2,587
Procter & Gamble Co. Common Stock 742718109 244 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 830 7,020 SH   SOLE   6,495 200 325
Putnam Managed Municipal Income Trust Fixed Income ETF 746823103 145 20,565 SH   SOLE   20,565 0 0
Regions Financial Corp. Common Stock 7591EP100 307 13,804 SH   SOLE   12,804 0 1,000
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 7,930 105,991 SH   SOLE   101,987 0 4,004
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 7,545 105,691 SH   SOLE   101,677 0 4,014
Skyworks Solutions Inc Common Stock 83088M102 208 1,559 SH   SOLE   1,359 0 200
Southern Co. Common Stock 842587107 516 7,118 SH   SOLE   6,271 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 1,166 6,457 SH   SOLE   5,720 0 737
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 4,623 10,236 SH   SOLE   10,236 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 912 1,860 SH   SOLE   1,760 0 100
Starbucks Corp. Common Stock 855244109 1,169 12,851 SH   SOLE   10,711 500 1,640
Stryker Corp. Common Stock 863667101 309 1,157 SH   SOLE   977 0 180
Sysco Corp. Common Stock 871829107 420 5,149 SH   SOLE   4,699 0 450
T Rowe Price Group Inc. Common Stock 74144T108 1,153 7,627 SH   SOLE   6,578 284 765
Target Corporation Common Stock 87612E106 294 1,384 SH   SOLE   1,272 0 112
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,910 12,015 SH   SOLE   12,015 0 0
Tesla Inc. Common Stock 88160R101 1,835 1,703 SH   SOLE   1,703 0 0
Texas Instruments Inc. Common Stock 882508104 443 2,415 SH   SOLE   1,982 0 433
The JM Smucker Co. Common Stock 832696405 214 1,577 SH   SOLE   1,577 0 0
TJX Companies Inc. Common Stock 872540109 1,256 20,739 SH   SOLE   10,514 0 10,225
Tractor Supply Co. Common Stock 892356106 597 2,560 SH   SOLE   2,420 0 140
U.S. Bancorp Common Stock 902973304 2,588 48,692 SH   SOLE   43,586 1,200 3,906
Union Pacific Corp. Common Stock 907818108 436 1,597 SH   SOLE   1,504 0 93
United Health Group Inc. Common Stock 91324P102 217 426 SH   SOLE   382 0 44
United Parcel Service Inc Common Stock 911312106 1,179 5,498 SH   SOLE   4,688 296 514
United/Raytheon Technologies Corp Common Stock 75513E101 770 7,768 SH   SOLE   5,883 287 1,598
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 428 3,811 SH   SOLE   1,395 0 2,416
Vanguard Intermediate Term Bond Index Fund Fixed Income ETF 921937819 747 9,125 SH   SOLE   9,025 0 100
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 315 5,008 SH   SOLE   330 0 4,678
Vanguard International Equity Index Fund International Equity ETF 922042858 256 5,545 SH   SOLE   5,390 0 155
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102 237 4,000 SH   SOLE   4,000 0 0
Verizon Communications Inc. Common Stock 92343V104 799 15,680 SH   SOLE   12,747 0 2,933
Verizon Communications Inc. Common Stock 92343V104 84 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 332 1,499 SH   SOLE   1,165 0 334
Walmart Inc. Common Stock 931142103 656 4,403 SH   SOLE   3,903 0 500
WEC Energy Group Inc. Common Stock 92939U106 227 2,273 SH   SOLE   2,110 0 163
Welltower Inc. Common Stock 95040Q104 455 4,735 SH   SOLE   4,416 0 319
WestRock Co. Common Stock 96145D105 900 19,127 SH   SOLE   18,552 0 575
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,135 17,588 SH   SOLE   12,588 800 4,200