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 248 1,176 SH   SOLE   460 0 716
ABBOTT LABORATORIES Common Stock 002824100 1,529 20,842 SH   SOLE   13,275 650 6,917
ABBVIE INC Common Stock 00287Y109 544 5,747 SH   SOLE   2,507 0 3,240
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 1,047 6,151 SH   SOLE   3,771 0 2,380
ALPHABET INC CL A Common Stock 02079K305 1,002 830 SH   SOLE   542 0 288
ALPHABET INC CL C Common Stock 02079K107 1,295 1,085 SH   SOLE   710 50 325
ALPS ETF TR Exchange Traded Fund 00162Q866 109 10,225 SH   SOLE   9,825 0 400
AMAZON COM INC Common Stock 023135106 347 173 SH   SOLE   112 0 61
AMGEN INC Common Stock 031162100 807 3,892 SH   SOLE   1,348 0 2,544
ANALOG DEVICES INC Common Stock 032654105 313 3,383 SH   SOLE   1,750 0 1,633
ANHEUSER BUSCH INBEV NV A D R Int'l Common Stock 03524A108 204 2,330 SH   SOLE   207 0 2,123
APPLE INC Common Stock 037833100 2,854 12,642 SH   SOLE   8,139 275 4,228
AT&T INC Common Stock 00206R102 842 25,070 SH   SOLE   14,442 0 10,628
AUTOMATIC DATA PROCESSING Common Stock 053015103 931 6,181 SH   SOLE   4,044 0 2,137
BAXTER INTERNATIONAL INC Common Stock 071813109 627 8,130 SH   SOLE   4,025 0 4,105
BECTON DICKINSON AND CO Common Stock 075887109 242 927 SH   SOLE   872 0 55
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 866 4,046 SH   SOLE   1,172 0 2,874
BERKSHIRE HILLS BANCORP INC Common Stock 084680107 212 5,218 SH   SOLE   5,218 0 0
BLACKROCK INC Common Stock 09247X101 623 1,322 SH   SOLE   719 125 478
BOEING CO Common Stock 097023105 527 1,416 SH   SOLE   594 0 822
BOOKING HOLDINGS INC Common Stock 09857L108 294 148 SH   SOLE   82 30 36
BRISTOL MYERS SQUIBB CO Common Stock 110122108 446 7,188 SH   SOLE   3,285 0 3,903
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 789 8,060 SH   SOLE   6,860 500 700
CATERPILLAR INC Common Stock 149123101 375 2,458 SH   SOLE   2,160 0 298
CHEVRON CORPORATION Common Stock 166764100 2,715 22,204 SH   SOLE   18,751 250 3,203
CHUBB LIMITED Common Stock H1467J104 251 1,881 SH   SOLE   518 0 1,363
CINCINNATI FINL CORP Common Stock 172062101 2,577 33,549 SH   SOLE   33,549 0 0
CINTAS CORP Common Stock 172908105 362 1,831 SH   SOLE   1,831 0 0
CISCO SYSTEMS INC Common Stock 17275R102 677 13,910 SH   SOLE   12,816 0 1,094
CITIGROUP INC Common Stock 172967424 287 3,999 SH   SOLE   3,231 350 418
COCA COLA COMPANY Common Stock 191216100 734 15,886 SH   SOLE   13,896 0 1,990
COMCAST CORP CL A Common Stock 20030N101 217 6,130 SH   SOLE   4,498 0 1,632
CONOCOPHILLIPS Common Stock 20825C104 226 2,920 SH   SOLE   2,505 0 415
CULLEN FROST BANKERS INC Common Stock 229899109 333 3,190 SH   SOLE   400 0 2,790
CVS HEALTH CORPORATION Common Stock 126650100 471 5,980 SH   SOLE   1,309 0 4,671
DANAHER CORP Common Stock 235851102 322 2,963 SH   SOLE   2,312 600 51
DBX ETF TR International Equity ETF 233051200 1,126 34,806 SH   SOLE   29,110 1,500 4,196
DEERE & CO Common Stock 244199105 306 2,035 SH   SOLE   360 0 1,675
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 297 2,099 SH   SOLE   637 0 1,462
DISNEY WALT CO Common Stock 254687106 1,361 11,639 SH   SOLE   6,897 0 4,742
DOWDUPONT INC Common Stock 26078J100 1,210 18,811 SH   SOLE   17,493 384 934
DUKE ENERGY HOLDING CORP Common Stock 26441C204 660 8,243 SH   SOLE   4,960 0 3,283
EATON CORP PLC Int'l Common Stock G29183103 657 7,573 SH   SOLE   6,087 0 1,486
EMERSON ELECTRIC CO Common Stock 291011104 344 4,487 SH   SOLE   4,060 0 427
ENBRIDGE INC Int'l Common Stock 29250N105 938 29,052 SH   SOLE   12,910 0 16,142
ESSA BANCORP INC Common Stock 29667D104 244 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 240 5,488 SH   SOLE   5,040 0 448
EXPRESS SCRIPTS HOLDING CO Common Stock 30219G108 227 2,384 SH   SOLE   2,209 0 175
EXXON MOBIL CORP Common Stock 30231G102 2,087 24,552 SH   SOLE   19,931 450 4,171
FED EX CORP Common Stock 31428X106 772 3,205 SH   SOLE   1,533 0 1,672
FIFTH THIRD BANCORP Common Stock 316773100 216 7,719 SH   SOLE   265 0 7,454
FIRST FINANCIAL BANCORP Common Stock 320209109 518 17,446 SH   SOLE   17,446 0 0
FISERV INC Common Stock 337738108 234 2,842 SH   SOLE   2,810 0 32
GENERAL ELECTRIC CO Common Stock 369604103 126 11,203 SH   SOLE   8,773 0 2,430
GENERAL MILLS INC Common Stock 370334104 581 13,542 SH   SOLE   10,373 850 2,319
GILEAD SCIENCES INC Common Stock 375558103 317 4,111 SH   SOLE   1,557 0 2,554
HERSHEY COMPANY Common Stock 427866108 874 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 477 2,302 SH   SOLE   1,896 0 406
HONEYWELL INTERNATIONAL INC Common Stock 438516106 624 3,748 SH   SOLE   3,042 0 706
IAC INTERACTIVECORP Common Stock 44919P508 217 1,000 SH   SOLE   1,000 0 0
ILLINOIS TOOL WORKS INC Common Stock 452308109 374 2,651 SH   SOLE   981 0 1,670
INTEL CORP Common Stock 458140100 2,083 44,053 SH   SOLE   29,314 1,000 13,739
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 351 2,319 SH   SOLE   1,868 0 451
INVESTORS BANCORP INC NEW Common Stock 46146L101 128 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGING MARKETS ETF International Equity ETF 46434G103 3,968 76,636 SH   SOLE   68,190 2,000 6,446
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 871 14,457 SH   SOLE   13,655 0 802
ISHARES INC International Equity ETF 464286665 200 4,408 SH   SOLE   4,408 0 0
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 8,820 137,638 SH   SOLE   121,915 4,075 11,648
ISHARES TR Exchange Traded Fund 464287150 1,732 26,000 SH   SOLE   23,880 0 2,120
ISHARES TR Exchange Traded Fund 464287168 236 2,364 SH   SOLE   1,710 0 654
ISHARES TR Exchange Traded Fund 464287200 679 2,320 SH   SOLE   1,405 0 915
ISHARES TR Exchange Traded Fund 464287473 258 2,853 SH   SOLE   2,853 0 0
ISHARES TR Exchange Traded Fund 464287481 365 2,690 SH   SOLE   2,690 0 0
ISHARES TR Exchange Traded Fund 464287499 1,581 7,172 SH   SOLE   6,132 0 1,040
ISHARES TR Exchange Traded Fund 464287507 2,582 12,828 SH   SOLE   10,148 400 2,280
ISHARES TR Exchange Traded Fund 464287556 711 5,831 SH   SOLE   5,131 700 0
ISHARES TR Exchange Traded Fund 464287614 727 4,663 SH   SOLE   3,130 0 1,533
ISHARES TR Exchange Traded Fund 464287655 456 2,705 SH   SOLE   2,530 0 175
ISHARES TR Exchange Traded Fund 464287689 2,729 15,837 SH   SOLE   12,817 2,100 920
ISHARES TR Exchange Traded Fund 464287804 1,603 18,371 SH   SOLE   16,431 1,000 940
ISHARES TR Exchange Traded Fund 464287879 283 1,693 SH   SOLE   1,493 0 200
ISHARES TR Exchange Traded Fund 464288752 266 7,535 SH   SOLE   6,035 1,000 500
ISHARES TR Exchange Traded Fund 46429B689 600 8,236 SH   SOLE   7,446 0 790
ISHARES TR Fixed Income ETF 464287176 528 4,776 SH   SOLE   4,636 0 140
ISHARES TR Fixed Income ETF 464287226 382 3,620 SH   SOLE   3,265 0 355
ISHARES TR International Equity ETF 464287234 215 5,002 SH   SOLE   5,002 0 0
ISHARES TR International Equity ETF 464287465 874 12,852 SH   SOLE   11,337 0 1,515
J P MORGAN CHASE CO Common Stock 46625H100 1,494 13,237 SH   SOLE   9,796 0 3,441
JOHNSON & JOHNSON Common Stock 478160104 2,054 14,869 SH   SOLE   11,654 250 2,965
KEYCORP NEW Common Stock 493267108 672 33,787 SH   SOLE   33,787 0 0
L C N B CORP Common Stock 50181P100 11,697 627,190 SH   SOLE   616,990 0 10,200
LOCKHEED MARTIN CORP Common Stock 539830109 1,228 3,550 SH   SOLE   3,163 150 237
LOWES CO INC Common Stock 548661107 1,163 10,125 SH   SOLE   6,377 0 3,748
M & T BANK CORP Common Stock 55261F104 202 1,230 SH   SOLE   250 0 980
MARATHON PETROLEUM CORP Common Stock 56585A102 210 2,626 SH   SOLE   1,876 0 750
MASTERCARD INC Common Stock 57636Q104 825 3,705 SH   SOLE   1,865 0 1,840
MCCORMICK CO INC Common Stock 579780206 623 4,726 SH   SOLE   4,370 0 356
MCDONALDS CORP Common Stock 580135101 1,111 6,640 SH   SOLE   5,230 300 1,110
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 409 4,160 SH   SOLE   2,931 0 1,229
MERCK AND CO INC Common Stock 58933Y105 692 9,748 SH   SOLE   8,657 0 1,091
MICROSOFT CORP Common Stock 594918104 3,626 31,704 SH   SOLE   22,470 0 9,234
NEXTERA ENERGY INC Common Stock 65339F101 429 2,560 SH   SOLE   2,000 0 560
NIKE INC Common Stock 654106103 1,699 20,055 SH   SOLE   15,688 900 3,467
NORFOLK SOUTHERN CORP Common Stock 655844108 461 2,555 SH   SOLE   1,835 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,297 15,054 SH   SOLE   9,701 600 4,753
ORACLE CORPORATION Common Stock 68389X105 862 16,728 SH   SOLE   9,824 900 6,004
PAYPAL HOLDINGS INC Common Stock 70450Y103 280 3,183 SH   SOLE   2,583 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 182 10,618 SH   SOLE   10,618 0 0
PEPSICO INC Common Stock 713448108 1,818 16,263 SH   SOLE   13,050 0 3,213
PFIZER INC Common Stock 717081103 1,275 28,932 SH   SOLE   23,493 1,400 4,039
PHILLIPS 66 Common Stock 718546104 207 1,837 SH   SOLE   1,728 0 109
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 339 2,488 SH   SOLE   2,112 0 376
PROCTER & GAMBLE CO Common Stock 742718109 5,023 60,355 SH   SOLE   56,911 500 2,944
QUALCOMM INC Common Stock 747525103 533 7,402 SH   SOLE   2,723 0 4,679
SCHLUMBERGER LTD Int'l Common Stock 806857108 528 8,674 SH   SOLE   4,069 0 4,605
SCHWAB STRATEGIC TR Exchange Traded Fund 808524102 228 3,236 SH   SOLE   3,236 0 0
SCHWAB STRATEGIC TR Exchange Traded Fund 808524300 2,407 29,348 SH   SOLE   28,080 0 1,268
SCHWAB STRATEGIC TR Exchange Traded Fund 808524409 2,676 47,719 SH   SOLE   45,679 0 2,040
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209 810 8,508 SH   SOLE   8,508 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y803 1,042 13,836 SH   SOLE   13,836 0 0
SOUTHERN CO Common Stock 842587107 604 13,856 SH   SOLE   12,073 700 1,083
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 2,563 8,817 SH   SOLE   8,817 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 581 1,580 SH   SOLE   1,475 0 105
STARBUCKS CORP Common Stock 855244109 657 11,560 SH   SOLE   9,309 0 2,251
STRYKER CORP Common Stock 863667101 241 1,359 SH   SOLE   969 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 524 4,796 SH   SOLE   3,431 0 1,365
TEXAS INSTRUMENTS INC Common Stock 882508104 204 1,899 SH   SOLE   1,219 0 680
TFS FINL CORP Common Stock 87240R107 297 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 1,024 9,145 SH   SOLE   4,025 0 5,120
UNION PACIFIC CORP Common Stock 907818108 281 1,723 SH   SOLE   1,470 0 253
UNITED TECHNOLOGIES CORP Common Stock 913017109 1,157 8,275 SH   SOLE   4,699 0 3,576
US BANCORP Common Stock 902973304 2,538 48,060 SH   SOLE   36,846 1,100 10,114
V F CORP Common Stock 918204108 537 5,744 SH   SOLE   3,569 0 2,175
VANGUARD BD INDEX FD INC Fixed Income ETF 921937819 1,282 15,928 SH   SOLE   14,728 0 1,200
VANGUARD INDEX FDS Exchange Traded Fund 922908611 746 5,354 SH   SOLE   4,424 0 930
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042775 353 6,785 SH   SOLE   2,085 0 4,700
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 398 9,705 SH   SOLE   5,495 0 4,210
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C706 271 4,360 SH   SOLE   1,910 1,200 1,250
VANGUARD WHITEHALL FDS INC Exchange Traded Fund 921946406 721 8,275 SH   SOLE   5,630 0 2,645
VERIZON COMMUNICATIONS INC Common Stock 92343V104 996 18,657 SH   SOLE   12,255 269 6,133
VISA INC CLASS A SHARES Common Stock 92826C839 246 1,640 SH   SOLE   1,081 0 559
WALMART INC Common Stock 931142103 338 3,598 SH   SOLE   3,041 0 557
WELLS FARGO CO Common Stock 949746101 399 7,595 SH   SOLE   4,801 0 2,794
WESTERN UNION CO Common Stock 959802109 208 10,895 SH   SOLE   10,060 0 835
WISDOMTREE TR Exchange Traded Fund 97717W109 1,466 15,264 SH   SOLE   12,619 750 1,895
WISDOMTREE TR International Equity ETF 97717X552 306 10,092 SH   SOLE   9,228 0 864