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 352 1,997 SH   SOLE   1,091 0 906
3M CO Common Stock 88579Y101 3 17 SH   OTR   17 0 0
ABBOTT LABORATORIES Common Stock 002824100 1,623 18,683 SH   SOLE   12,254 150 6,279
ABBOTT LABORATORIES Common Stock 002824100 5 56 SH   OTR   56 0 0
ABBVIE INC Common Stock 00287Y109 511 5,774 SH   SOLE   2,715 0 3,059
ABBVIE INC Common Stock 00287Y109 5 56 SH   OTR   56 0 0
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 921 4,372 SH   SOLE   2,375 0 1,997
ALPHABET INC CL A Common Stock 02079K305 1,317 983 SH   SOLE   720 0 263
ALPHABET INC CL A Common Stock 02079K305 16 12 SH   OTR   12 0 0
ALPHABET INC CL C Common Stock 02079K107 1,829 1,368 SH   SOLE   965 40 363
AMAZON COM INC Common Stock 023135106 536 290 SH   SOLE   245 0 45
AMAZON COM INC Common Stock 023135106 9 5 SH   OTR   5 0 0
AMGEN INC Common Stock 031162100 1,109 4,600 SH   SOLE   2,070 0 2,530
ANALOG DEVICES INC Common Stock 032654105 408 3,432 SH   SOLE   1,799 0 1,633
APPLE INC Common Stock 037833100 4,344 14,793 SH   SOLE   10,762 200 3,831
APPLE INC Common Stock 037833100 21 70 SH   OTR   70 0 0
AT&T INC Common Stock 00206R102 972 24,876 SH   SOLE   19,637 0 5,239
AT&T INC Common Stock 00206R102 4 94 SH   OTR   94 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 931 5,461 SH   SOLE   3,858 0 1,603
BANK OF AMERICA CORP Common Stock 060505104 242 6,883 SH   SOLE   6,362 0 521
BANK OF AMERICA CORP Common Stock 060505104 23 640 SH   OTR   640 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 665 7,950 SH   SOLE   3,845 0 4,105
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 1,010 4,457 SH   SOLE   1,567 0 2,890
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 4 17 SH   OTR   17 0 0
BLACKROCK INC Common Stock 09247X101 448 891 SH   SOLE   606 100 185
BOEING CO Common Stock 097023105 363 1,114 SH   SOLE   624 0 490
BOEING CO Common Stock 097023105 6 18 SH   OTR   18 0 0
BOOKING HOLDINGS INC Common Stock 09857L108 251 122 SH   SOLE   81 20 21
BOOKING HOLDINGS INC Common Stock 09857L108 10 5 SH   OTR   5 0 0
BRISTOL MYERS SQUIBB CO Common Stock 110122108 630 9,811 SH   SOLE   6,300 0 3,511
BRISTOL MYERS SQUIBB CO Common Stock 110122108 7 112 SH   OTR   112 0 0
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 565 7,228 SH   SOLE   6,128 400 700
CARNIVAL CORP Common Stock 143658300 223 4,380 SH   SOLE   3,951 0 429
CATERPILLAR INC Common Stock 149123101 349 2,365 SH   SOLE   2,067 0 298
CHEVRON CORPORATION Common Stock 166764100 2,811 23,322 SH   SOLE   20,052 250 3,020
CHEVRON CORPORATION Common Stock 166764100 11 91 SH   OTR   91 0 0
CHUBB LIMITED Common Stock H1467J104 231 1,484 SH   SOLE   221 0 1,263
CINCINNATI FINL CORP Common Stock 172062101 3,104 29,516 SH   SOLE   29,516 0 0
CINTAS CORP Common Stock 172908105 457 1,700 SH   SOLE   1,700 0 0
CISCO SYSTEMS INC Common Stock 17275R102 735 15,315 SH   SOLE   14,279 0 1,036
CITIGROUP INC Common Stock 172967424 360 4,511 SH   SOLE   3,343 350 818
COCA COLA COMPANY Common Stock 191216100 847 15,304 SH   SOLE   13,578 0 1,726
COCA COLA COMPANY Common Stock 191216100 5 87 SH   OTR   87 0 0
COMCAST CORP CL A Common Stock 20030N101 278 6,192 SH   SOLE   4,855 0 1,337
COMCAST CORP CL A Common Stock 20030N101 6 126 SH   OTR   126 0 0
CONOCOPHILLIPS Common Stock 20825C104 203 3,120 SH   SOLE   2,705 0 415
CULLEN FROST BANKERS INC Common Stock 229899109 312 3,190 SH   SOLE   400 0 2,790
CVS HEALTH CORPORATION Common Stock 126650100 291 3,922 SH   SOLE   3,022 0 900
CVS HEALTH CORPORATION Common Stock 126650100 2 30 SH   OTR   30 0 0
DANAHER CORP Common Stock 235851102 452 2,943 SH   SOLE   2,493 450 0
DBX ETF TR International Equity ETF 233051200 987 29,221 SH   SOLE   23,875 1,150 4,196
DEERE & CO Common Stock 244199105 354 2,044 SH   SOLE   669 0 1,375
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 354 2,099 SH   SOLE   637 0 1,462
DISNEY WALT CO Common Stock 254687106 1,870 12,933 SH   SOLE   8,216 0 4,717
DISNEY WALT CO Common Stock 254687106 4 29 SH   OTR   29 0 0
DOMINION ENERGY INC Common Stock 25746U109 273 3,302 SH   SOLE   2,802 375 125
DOW INC Common Stock 260557103 288 5,265 SH   SOLE   4,895 128 242
DOW INC Common Stock 260557103 5 85 SH   OTR   85 0 0
DUKE ENERGY HOLDING CORP Common Stock 26441C204 827 9,067 SH   SOLE   5,859 0 3,208
DUKE ENERGY HOLDING CORP Common Stock 26441C204 7 75 SH   OTR   75 0 0
DUPONT DE NEMOURS INC Common Stock 26614N102 379 5,909 SH   SOLE   5,539 128 242
EATON CORP Common Stock G29183103 732 7,725 SH   SOLE   6,089 0 1,636
ECOLAB INC Common Stock 278865100 203 1,052 SH   SOLE   995 0 57
ELI LILLY CO Common Stock 532457108 420 3,199 SH   SOLE   3,049 0 150
EMERSON ELECTRIC CO Common Stock 291011104 493 6,468 SH   SOLE   5,818 0 650
ENBRIDGE INC Int'l Common Stock 29250N105 1,209 30,408 SH   SOLE   14,373 0 16,035
ESSA BANCORP INC Common Stock 29667D104 254 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 200 4,388 SH   SOLE   4,040 0 348
EXXON MOBIL CORP Common Stock 30231G102 1,708 24,473 SH   SOLE   20,188 450 3,835
EXXON MOBIL CORP Common Stock 30231G102 7 94 SH   OTR   94 0 0
FED EX CORP Common Stock 31428X106 516 3,415 SH   SOLE   1,743 0 1,672
FIRST FINANCIAL BANCORP Common Stock 320209109 444 17,446 SH   SOLE   17,446 0 0
FISERV INC Common Stock 337738108 258 2,235 SH   SOLE   2,235 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 203 1,151 SH   SOLE   1,151 0 0
GENERAL MILLS INC Common Stock 370334104 792 14,786 SH   SOLE   12,122 700 1,964
GENERAL MILLS INC Common Stock 370334104 8 150 SH   OTR   150 0 0
GILEAD SCIENCES INC Common Stock 375558103 214 3,294 SH   SOLE   999 0 2,295
HERSHEY COMPANY Common Stock 427866108 1,260 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 634 2,902 SH   SOLE   2,603 0 299
HOME DEPOT INC Common Stock 437076102 8 37 SH   OTR   37 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 908 5,129 SH   SOLE   4,423 0 706
ILLINOIS TOOL WORKS INC Common Stock 452308109 467 2,598 SH   SOLE   1,028 0 1,570
INTEL CORP Common Stock 458140100 2,707 45,223 SH   SOLE   31,179 800 13,244
INTEL CORP Common Stock 458140100 6 100 SH   OTR   100 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 277 2,070 SH   SOLE   1,590 0 480
INVESTORS BANCORP INC NEW Common Stock 46146L101 125 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGING MARKETS ETF International Equity ETF 46434G103 3,426 63,723 SH   SOLE   55,434 1,700 6,589
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 272 4,586 SH   SOLE   4,186 0 400
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 11,039 169,210 SH   SOLE   154,581 3,075 11,554
ISHARES TR CORE S&P 500 ETF Exchange Traded Fund 464287200 954 2,952 SH   SOLE   2,037 0 915
ISHARES TR CORE S&P MCP ETF Exchange Traded Fund 464287507 2,805 13,626 SH   SOLE   10,596 250 2,780
ISHARES TR CORE S&P SCP ETF Exchange Traded Fund 464287804 1,644 19,604 SH   SOLE   18,014 650 940
ISHARES TR CORE S&P TTL STK Exchange Traded Fund 464287150 1,626 22,375 SH   SOLE   20,855 0 1,520
ISHARES TR CORE US AGG BD ETF Fixed Income ETF 464287226 383 3,412 SH   SOLE   3,262 0 150
ISHARES TR MIN VOL EAFE ETF Exchange Traded Fund 46429B689 697 9,357 SH   SOLE   8,418 0 939
ISHARES TR MIN VOL USA ETF Exchange Traded Fund 46429B697 3,886 59,240 SH   SOLE   53,613 1,500 4,127
ISHARES TR MSCI EAFE ETF International Equity ETF 464287465 1,117 16,080 SH   SOLE   14,665 0 1,415
ISHARES TR MSCI EMG MKT ETF International Equity ETF 464287234 272 6,067 SH   SOLE   6,067 0 0
ISHARES TR NASDAQ BIOTECH Exchange Traded Fund 464287556 503 4,174 SH   SOLE   3,924 250 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 249 1,414 SH   SOLE   456 0 958
ISHARES TR RUS MD CP GR ETF Exchange Traded Fund 464287481 594 3,891 SH   SOLE   3,891 0 0
ISHARES TR RUS MDCP VAL ETF Exchange Traded Fund 464287473 435 4,594 SH   SOLE   4,594 0 0
ISHARES TR RUS MID CAP ETF Exchange Traded Fund 464287499 1,011 16,958 SH   SOLE   13,413 0 3,545
ISHARES TR RUSSELL 2000 ETF Exchange Traded Fund 464287655 705 4,255 SH   SOLE   4,080 0 175
ISHARES TR RUSSELL 3000 ETF Exchange Traded Fund 464287689 2,910 15,437 SH   SOLE   14,037 1,100 300
ISHARES TR SELECT DIVID ETF Exchange Traded Fund 464287168 308 2,913 SH   SOLE   1,759 0 1,154
ISHARES TR SP SMCP600VL ETF Exchange Traded Fund 464287879 316 1,968 SH   SOLE   1,768 0 200
ISHARES TR TIPS BD ETF Fixed Income ETF 464287176 565 4,850 SH   SOLE   4,710 0 140
ISHARES TR US HOME CONS ETF Exchange Traded Fund 464288752 241 5,435 SH   SOLE   3,935 1,000 500
J P MORGAN CHASE CO Common Stock 46625H100 2,088 14,976 SH   SOLE   12,217 0 2,759
JM SMUCKER CO THE Common Stock 832696405 299 2,872 SH   SOLE   2,672 0 200
JOHNSON & JOHNSON Common Stock 478160104 2,364 16,209 SH   SOLE   13,117 250 2,842
KEYCORP NEW Common Stock 493267108 670 33,116 SH   SOLE   33,116 0 0
KROGER CO Common Stock 501044101 258 8,906 SH   SOLE   6,731 0 2,175
KROGER CO Common Stock 501044101 7 250 SH   OTR   250 0 0
LAM RESEARCH CORP Common Stock 512807108 856 2,929 SH   SOLE   2,416 150 363
LCNB CORP Common Stock 50181P100 5,408 280,210 SH   SOLE   270,010 0 10,200
LCNB CORP Common Stock 50181P100 5,324 275,840 SH   OTR   275,840 0 0
LINDE PLC Int'l Common Stock G5494J103 501 2,352 SH   SOLE   699 0 1,653
LOCKHEED MARTIN CORP Common Stock 539830109 1,190 3,057 SH   SOLE   2,850 100 107
LOWES CO INC Common Stock 548661107 1,412 11,790 SH   SOLE   8,144 0 3,646
MARATHON PETROLEUM CORP Common Stock 56585A102 205 3,407 SH   SOLE   2,762 0 645
MASTERCARD INC Common Stock 57636Q104 888 2,974 SH   SOLE   1,470 0 1,504
MCCORMICK CO INC Common Stock 579780206 657 3,870 SH   SOLE   3,620 0 250
MCDONALDS CORP Common Stock 580135101 1,149 5,815 SH   SOLE   4,705 0 1,110
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 528 4,658 SH   SOLE   3,429 0 1,229
MERCK AND CO INC Common Stock 58933Y105 933 10,260 SH   SOLE   9,402 0 858
MERCK AND CO INC Common Stock 58933Y105 5 60 SH   OTR   60 0 0
MICROSOFT CORP Common Stock 594918104 5,484 34,772 SH   SOLE   26,043 0 8,729
MICROSOFT CORP Common Stock 594918104 24 150 SH   OTR   150 0 0
NEXTERA ENERGY INC Common Stock 65339F101 639 2,638 SH   SOLE   2,158 0 480
NIKE INC Common Stock 654106103 1,397 13,794 SH   SOLE   11,347 0 2,447
NIKE INC Common Stock 654106103 10 100 SH   OTR   100 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 457 2,355 SH   SOLE   1,635 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,193 12,600 SH   SOLE   9,609 450 2,541
ORACLE CORPORATION Common Stock 68389X105 768 14,489 SH   SOLE   8,711 0 5,778
PAYPAL HOLDINGS INC Common Stock 70450Y103 331 3,058 SH   SOLE   2,458 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 230 13,595 SH   SOLE   13,595 0 0
PEPSICO INC Common Stock 713448108 2,092 15,307 SH   SOLE   12,223 0 3,084
PFIZER INC Common Stock 717081103 1,241 31,678 SH   SOLE   27,184 1,000 3,494
PFIZER INC Common Stock 717081103 12 305 SH   OTR   305 0 0
PHILLIPS 66 Common Stock 718546104 454 4,072 SH   SOLE   3,839 0 233
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 392 2,456 SH   SOLE   2,113 0 343
PROCTER & GAMBLE CO Common Stock 742718109 8,740 69,973 SH   SOLE   66,649 400 2,924
PROCTER & GAMBLE CO Common Stock 742718109 200 1,600 SH   OTR   1,600 0 0
PRUDENTIAL FINANCIAL INC Common Stock 744320102 352 3,755 SH   SOLE   3,005 200 550
PRUDENTIAL FINANCIAL INC Common Stock 744320102 6 62 SH   OTR   62 0 0
REGIONS FINANCIAL CORP Common Stock 7591EP100 172 10,039 SH   SOLE   8,239 0 1,800
SCHWAB US LARGE CAP GROWTH ETF Exchange Traded Fund 808524300 3,216 34,618 SH   SOLE   33,275 0 1,343
SCHWAB US LARGE CAP VALUE ETF Exchange Traded Fund 808524409 3,501 58,233 SH   SOLE   56,027 0 2,206
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209 867 8,508 SH   SOLE   8,508 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y803 1,266 13,810 SH   SOLE   13,810 0 0
SOUTHERN CO Common Stock 842587107 563 8,834 SH   SOLE   8,277 0 557
SPDR GOLD TRUST Exchange Traded Fund 78463V107 264 1,847 SH   SOLE   1,275 0 572
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 2,910 9,040 SH   SOLE   9,040 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 631 1,680 SH   SOLE   1,575 0 105
STARBUCKS CORP Common Stock 855244109 1,259 14,322 SH   SOLE   12,031 0 2,291
STRYKER CORP Common Stock 863667101 258 1,229 SH   SOLE   839 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 930 7,629 SH   SOLE   5,846 284 1,499
TEXAS INSTRUMENTS INC Common Stock 882508104 378 2,943 SH   SOLE   2,270 0 673
TEXAS INSTRUMENTS INC Common Stock 882508104 6 47 SH   OTR   47 0 0
TFS FINL CORP Common Stock 87240R107 390 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 1,114 18,247 SH   SOLE   7,832 0 10,415
TRACTOR SUPPLY CO Common Stock 892356106 266 2,845 SH   SOLE   2,360 0 485
UNION PACIFIC CORP Common Stock 907818108 308 1,702 SH   SOLE   1,609 0 93
UNION PACIFIC CORP Common Stock 907818108 14 75 SH   OTR   75 0 0
UNITED PARCEL SERVICE INC CLB Common Stock 911312106 483 4,124 SH   SOLE   3,466 196 462
UNITED TECHNOLOGIES CORP Common Stock 913017109 1,261 8,418 SH   SOLE   5,180 187 3,051
UNITED TECHNOLOGIES CORP Common Stock 913017109 15 100 SH   OTR   100 0 0
US BANCORP Common Stock 902973304 2,832 47,769 SH   SOLE   36,943 800 10,026
V F CORP Common Stock 918204108 414 4,159 SH   SOLE   2,044 0 2,115
VANGUARD BD INDEX FD INC Fixed Income ETF 921937819 1,700 19,495 SH   SOLE   18,295 0 1,200
VANGUARD INDEX FDS Exchange Traded Fund 922908553 202 2,177 SH   SOLE   2,177 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908611 279 2,034 SH   SOLE   1,104 0 930
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 231 5,205 SH   SOLE   4,995 0 210
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 22 500 SH   OTR   500 0 0
VANGUARD WHITEHALL FDS INC Exchange Traded Fund 921946406 406 4,337 SH   SOLE   1,692 0 2,645
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,050 17,094 SH   SOLE   11,024 269 5,801
VERIZON COMMUNICATIONS INC Common Stock 92343V104 105 1,713 SH   OTR   1,713 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 408 2,169 SH   SOLE   1,766 0 403
VISA INC CLASS A SHARES Common Stock 92826C839 14 75 SH   OTR   75 0 0
WALMART INC Common Stock 931142103 360 3,030 SH   SOLE   2,650 0 380
WALMART INC Common Stock 931142103 9 75 SH   OTR   75 0 0
WELLS FARGO CO Common Stock 949746101 361 6,719 SH   SOLE   4,208 0 2,511
WELLTOWER INC Common Stock 95040Q104 226 2,769 SH   SOLE   2,405 0 364
WISDOMTREE TR Exchange Traded Fund 97717W109 1,214 11,499 SH   SOLE   7,854 750 2,895