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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101   393,023 3,846 SH   SOLE   3,846 0 0
Abbott Laboratories Common Stock 002824100   1,645,623 15,837 SH   SOLE   9,968 0 5,869
Abbvie Inc. Common Stock 00287Y109   1,245,486 7,261 SH   SOLE   3,732 0 3,529
Accenture PLC Int'l Common Stock G1151C101   1,180,872 3,892 SH   SOLE   2,161 0 1,731
Air Products & Chemicals Inc Common Stock 009158106   230,439 893 SH   SOLE   801 0 92
Alphabet Inc. Common Stock 02079K107   4,274,970 23,307 SH   SOLE   18,113 0 5,194
Alphabet Inc. Common Stock 02079K305   4,053,930 22,256 SH   SOLE   19,167 0 3,089
Amazon.com Inc Common Stock 023135106   2,245,178 11,618 SH   SOLE   11,618 0 0
American Express Co. Common Stock 025816109   384,836 1,662 SH   SOLE   1,450 0 212
Amgen Inc. Common Stock 031162100   2,239,954 7,169 SH   SOLE   4,759 0 2,410
Analog Devices Inc. Common Stock 032654105   791,606 3,468 SH   SOLE   1,776 0 1,692
Apple Inc. Common Stock 037833100   7,133,489 33,869 SH   SOLE   22,117 0 11,752
Applied Materials Common Stock 038222105   387,024 1,640 SH   SOLE   1,640 0 0
Automatic Data Processing Common Stock 053015103   1,215,409 5,092 SH   SOLE   3,240 0 1,852
Bank of America Corp. Common Stock 060505104   435,879 10,960 SH   SOLE   10,960 0 0
Becton Dickinson and Co. Common Stock 075887109   642,703 2,750 SH   SOLE   2,750 0 0
Berkshire Hathaway Inc. Common Stock 084670702   1,866,805 4,589 SH   SOLE   1,846 0 2,743
Blackrock Inc. Common Stock 09247X101   304,693 387 SH   SOLE   334 0 53
Blackstone Inc. Common Stock 09260D107   908,197 7,336 SH   SOLE   7,336 0 0
Block Inc Common Stock 852234103   631,035 9,785 SH   SOLE   9,785 0 0
Boeing Co. Common Stock 097023105   737,141 4,050 SH   SOLE   3,600 0 450
Booking Holdings Inc. Common Stock 09857L108   285,228 72 SH   SOLE   72 0 0
BP PLC Int'l Common Stock 055622104   251,148 6,957 SH   SOLE   6,957 0 0
Broadcom Ltd. Common Stock 11135F101   4,174,378 2,600 SH   SOLE   2,600 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209   250,701 2,845 SH   SOLE   2,845 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   322,478 4,096 SH   SOLE   1,917 0 2,179
Cardinal Health Inc. Common Stock 14149Y108   556,491 5,660 SH   SOLE   5,660 0 0
Caterpillar Inc. Common Stock 149123101   658,539 1,977 SH   SOLE   1,977 0 0
Charles Schwab Corp. Common Stock 808513105   507,135 6,882 SH   SOLE   6,882 0 0
Chevron Corporation Common Stock 166764100   3,245,559 20,749 SH   SOLE   10,029 0 10,720
Chubb Ltd Common Stock H1467J104   895,586 3,511 SH   SOLE   2,147 0 1,364
Cincinnati Financial Corp Common Stock 172062101   2,880,459 24,390 SH   SOLE   24,390 0 0
Cintas Corp. Common Stock 172908105   686,255 980 SH   SOLE   980 0 0
Cisco Systems Inc. Common Stock 17275R102   850,667 17,905 SH   SOLE   16,510 0 1,395
Coca-Cola Company Common Stock 191216100   909,749 14,293 SH   SOLE   12,184 0 2,109
Comcast Corp. Common Stock 20030N101   375,858 9,598 SH   SOLE   8,325 0 1,273
Conocophillips Common Stock 20825C104   255,868 2,237 SH   SOLE   1,961 0 276
Corning Inc. Common Stock 219350105   721,445 18,570 SH   SOLE   18,570 0 0
Costco Wholesale Corp Common Stock 22160K105   209,948 247 SH   SOLE   247 0 0
Cullen Frost Bankers Inc Common Stock 229899109   368,409 3,625 SH   SOLE   1,000 0 2,625
Cummins Inc. Common Stock 231021106   295,484 1,067 SH   SOLE   1,017 0 50
Danaher Corp. Common Stock 235851102   432,490 1,731 SH   SOLE   1,731 0 0
Deere & Co. Common Stock 244199105   941,548 2,520 SH   SOLE   1,794 0 726
Disney Walt Co. Common Stock 254687106   1,002,531 10,097 SH   SOLE   8,902 0 1,195
Dominion Energy Inc. Common Stock 25746U109   285,572 5,828 SH   SOLE   5,828 0 0
Duke Energy Holding Corp. Common Stock 26441C204   1,153,447 11,508 SH   SOLE   9,166 0 2,342
Eastman Chemical Company Common Stock 277432100   619,366 6,322 SH   SOLE   6,322 0 0
Eaton Corp. Int'l Common Stock G29183103   1,510,997 4,819 SH   SOLE   4,639 0 180
Ecolab Inc. Common Stock 278865100   205,870 865 SH   SOLE   865 0 0
Eli Lilly Co. Common Stock 532457108   135,807 150 SH   OTR   150 0 0
Eli Lilly Co. Common Stock 532457108   1,721,127 1,901 SH   SOLE   1,901 0 0
Emerson Electric Co. Common Stock 291011104   1,026,581 9,319 SH   SOLE   9,004 0 315
Enbridge Inc. Int'l Common Stock 29250N105   494,487 13,894 SH   SOLE   10,061 0 3,833
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   499,046 5,475 SH   SOLE   5,475 0 0
EOG Resources Inc. Common Stock 26875P101   283,459 2,252 SH   SOLE   2,042 0 210
Exxon Mobil Corp. Common Stock 30231G102   2,054,316 17,845 SH   SOLE   9,343 0 8,502
Fed Ex Corp. Common Stock 31428X106   1,720,182 5,737 SH   SOLE   4,077 0 1,660
Fifth Third Bancorp Common Stock 316773100   655,141 17,954 SH   SOLE   17,235 0 719
First Financial Bancorp Common Stock 320209109   390,983 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   6,704,140 107,112 SH   SOLE   107,112 0 0
Fiserv Inc. Common Stock 337738108   262,310 1,760 SH   SOLE   1,760 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802   2,240,553 63,422 SH   SOLE   63,422 0 0
General Dynamics Corp. Common Stock 369550108   537,339 1,852 SH   SOLE   1,839 0 13
General Mills Inc. Common Stock 370334104   542,897 8,582 SH   SOLE   8,582 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   269,204 11,702 SH   SOLE   11,702 0 0
Grainger W W Inc. Common Stock 384802104   279,694 310 SH   SOLE   310 0 0
Graphic Packaging Holding Company Common Stock 388689101   869,726 33,183 SH   SOLE   33,183 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,184,948 8,130 SH   SOLE   430 0 7,700
Hershey Company Common Stock 427866108   1,591,600 8,658 SH   SOLE   258 0 8,400
Home Depot Inc. Common Stock 437076102   967,659 2,811 SH   SOLE   2,712 0 99
Honeywell International Inc. Common Stock 438516106   1,047,627 4,906 SH   SOLE   4,627 0 279
Illinois Tool Works Inc. Common Stock 452308109   671,782 2,835 SH   SOLE   1,785 0 1,050
Intel Corp. Common Stock 458140100   834,858 26,957 SH   SOLE   25,698 0 1,259
International Business Machines Corp. Common Stock 459200101   572,119 3,308 SH   SOLE   2,945 0 363
Interpublic Group of Companies Common Stock 460690100   294,565 10,126 SH   SOLE   10,126 0 0
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   939,056 1,960 SH   SOLE   1,960 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   7,876,897 47,948 SH   SOLE   47,948 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   82,140 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   400,330 4,903 SH   SOLE   4,903 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432   5,269,273 57,412 SH   SOLE   57,412 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556   225,793 1,645 SH   SOLE   1,645 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,482,446 2,709 SH   SOLE   2,709 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   2,324,244 23,944 SH   SOLE   23,944 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   453,384 5,400 SH   SOLE   5,400 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   243,615 4,551 SH   SOLE   4,551 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   15,789,829 217,371 SH   SOLE   217,371 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   1,037,300 10,000 SH   SOLE   10,000 0 0
IShares MSCI India ETF International Equity ETF 46429B598   2,938,881 52,687 SH   SOLE   52,687 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   316,880 1,065 SH   SOLE   1,065 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   403,341 1,107 SH   SOLE   8 0 1,099
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   313,057 1,720 SH   SOLE   1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,930,282 32,985 SH   SOLE   32,985 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,255,282 11,769 SH   SOLE   11,769 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   4,216,690 35,500 SH   SOLE   35,500 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   814,945 10,404 SH   SOLE   10,404 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   255,242 5,993 SH   SOLE   5,993 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   1,040,014 5,126 SH   SOLE   5,126 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   7,009,278 22,708 SH   SOLE   22,408 0 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,897,346 23,401 SH   SOLE   20,198 0 3,203
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   261,922 2,165 SH   SOLE   2,165 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   256,187 2,535 SH   SOLE   2,535 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   283,374 4,625 SH   SOLE   4,625 0 0
Johnson & Johnson Common Stock 478160104   2,108,212 14,424 SH   SOLE   12,250 0 2,174
JP Morgan Chase Co. Common Stock 46625H100   2,594,591 12,828 SH   SOLE   11,030 0 1,798
Juniper Networks Inc Common Stock 48203R104   402,883 11,050 SH   SOLE   11,050 0 0
Kroger Co. Common Stock 501044101   955,311 19,133 SH   SOLE   19,133 0 0
Lam Research Corp. Common Stock 512807108   2,341,605 2,199 SH   SOLE   2,199 0 0
LCNB Corp. Common Stock 50181P100   3,188,812 229,246 SH   SOLE   229,246 0 0
LCNB Corp. Common Stock 50181P100   3,836,934 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,100,955 2,357 SH   SOLE   2,357 0 0
Lowes Co Inc. Common Stock 548661107   2,374,795 10,772 SH   SOLE   8,152 0 2,620
Marathon Petroleum Corp. Common Stock 56585A102   330,132 1,903 SH   SOLE   1,903 0 0
Mastercard Inc. Common Stock 57636Q104   967,905 2,194 SH   SOLE   1,274 0 920
McCormick Co Inc. Common Stock 579780206   329,374 4,643 SH   SOLE   4,143 0 500
McDonalds Corp. Common Stock 580135101   1,301,468 5,107 SH   SOLE   3,690 0 1,417
Medtronic PLC Int'l Common Stock G5960L103   591,584 7,516 SH   SOLE   7,516 0 0
Merck and Co Inc. Common Stock 58933Y105   2,471,419 19,963 SH   SOLE   19,151 0 812
Meta Platforms Inc Common Stock 30303M102   425,057 843 SH   SOLE   548 0 295
Microsoft Corp. Common Stock 594918104   10,825,992 24,222 SH   SOLE   18,190 0 6,032
Mondelez International Inc Common Stock 609207105   607,938 9,290 SH   SOLE   8,748 0 542
New Linde PLC Int'l Common Stock G54950103   724,914 1,652 SH   SOLE   160 0 1,492
NextEra Energy Inc. Common Stock 65339F101   651,523 9,201 SH   SOLE   9,201 0 0
Nike Inc. Common Stock 654106103   774,050 10,270 SH   SOLE   8,409 0 1,861
Norfolk Southern Corp. Common Stock 655844108   371,414 1,730 SH   SOLE   1,167 0 563
Novartis AG ADR Int'l Common Stock 66987V109   1,096,964 10,304 SH   SOLE   8,438 0 1,866
Nvidia Corp Common Stock 67066G104   4,654,987 37,680 SH   SOLE   17,680 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109   439,962 1,635 SH   SOLE   1,635 0 0
Omnicom Group Inc. Common Stock 681919106   206,310 2,300 SH   SOLE   2,300 0 0
Oracle Corporation Common Stock 68389X105   795,380 5,633 SH   SOLE   4,242 0 1,391
Pepsico Inc. Common Stock 713448108   2,538,438 15,391 SH   SOLE   7,180 0 8,211
Pfizer Inc. Common Stock 717081103   1,102,356 39,398 SH   SOLE   38,798 0 600
Phillips 66 Common Stock 718546104   461,908 3,272 SH   SOLE   3,272 0 0
PNC Financial Services Group Inc. Common Stock 693475105   364,290 2,343 SH   SOLE   2,178 0 165
Polaris Inc Common Stock 731068102   237,436 3,032 SH   SOLE   3,032 0 0
Procter & Gamble Co. Common Stock 742718109   263,872 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109   13,356,541 80,988 SH   SOLE   74,287 0 6,701
Prudential Financial Inc. Common Stock 744320102   619,818 5,289 SH   SOLE   5,289 0 0
RTX Corporation Common Stock 75513E101   712,709 7,099 SH   SOLE   4,609 0 2,490
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,023,609 19,681 SH   SOLE   19,508 0 173
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   510,883 6,570 SH   SOLE   6,570 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   13,628,627 135,151 SH   SOLE   135,151 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   11,798,055 159,261 SH   SOLE   159,261 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201   452,449 7,042 SH   SOLE   7,042 0 0
Skyworks Solutions Inc Common Stock 83088M102   729,007 6,840 SH   SOLE   6,840 0 0
Southern Co. Common Stock 842587107   470,927 6,071 SH   SOLE   6,039 0 32
SPDR Gold TR Exchange Traded Fund 78463V107   1,264,689 5,882 SH   SOLE   5,445 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   5,635,398 10,355 SH   SOLE   9,950 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508   243,700 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   957,793 1,790 SH   SOLE   1,790 0 0
SPDR S&P Regional Banking ETF Exchange Traded Fund 78464A698   219,428 4,469 SH   SOLE   4,469 0 0
Starbucks Corp. Common Stock 855244109   846,852 10,878 SH   SOLE   10,878 0 0
Stryker Corp. Common Stock 863667101   330,723 972 SH   SOLE   972 0 0
Sysco Corp. Common Stock 871829107   394,358 5,524 SH   SOLE   5,249 0 275
T Rowe Price Group Inc. Common Stock 74144T108   243,304 2,110 SH   SOLE   2,110 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100   270,101 1,554 SH   SOLE   1,379 0 175
Target Corporation Common Stock 87612E106   275,206 1,859 SH   SOLE   1,606 0 253
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,689,875 11,890 SH   SOLE   1,540 0 10,350
Tesla Inc. Common Stock 88160R101   765,796 3,870 SH   SOLE   3,870 0 0
Texas Instruments Inc. Common Stock 882508104   298,215 1,533 SH   SOLE   1,132 0 401
TJX Companies Inc. Common Stock 872540109   1,942,274 17,641 SH   SOLE   9,356 0 8,285
Tractor Supply Co. Common Stock 892356106   280,800 1,040 SH   SOLE   1,040 0 0
U.S. Bancorp Common Stock 902973304   2,514,598 63,340 SH   SOLE   35,975 0 27,365
United Health Group Inc. Common Stock 91324P102   240,371 472 SH   SOLE   425 0 47
United Parcel Service Inc Common Stock 911312106   428,067 3,128 SH   SOLE   3,070 0 58
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   328,594 6,649 SH   SOLE   6,649 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   452,034 3,811 SH   SOLE   710 0 3,101
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,153,886 19,816 SH   SOLE   19,816 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858   207,072 4,732 SH   SOLE   4,188 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   365,190 4,814 SH   SOLE   4,814 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   869,850 15,000 SH   SOLE   15,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   334,388 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   431,577 10,465 SH   SOLE   8,904 0 1,561
Verizon Communications Inc. Common Stock 92343V104   67,881 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   260,633 993 SH   SOLE   695 0 298
Walmart Inc. Common Stock 931142103   1,042,734 15,400 SH   SOLE   13,697 0 1,703
Welltower Inc. Common Stock 95040Q104   414,185 3,973 SH   SOLE   3,973 0 0
Whirlpool Corp. Common Stock 963320106   410,946 4,021 SH   SOLE   4,021 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,804,703 25,479 SH   SOLE   25,479 0 0