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 257 1,485 SH   SOLE   770 0 715
ABBOTT LABORATORIES Common Stock 002824100 1,610 19,149 SH   SOLE   12,408 150 6,591
ABBVIE INC Common Stock 00287Y109 413 5,678 SH   SOLE   2,507 0 3,171
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 1,044 5,651 SH   SOLE   3,295 0 2,356
ALPHABET INC CL A Common Stock 02079K305 931 860 SH   SOLE   573 0 287
ALPHABET INC CL C Common Stock 02079K107 1,377 1,274 SH   SOLE   870 40 364
AMAZON COM INC Common Stock 023135106 345 182 SH   SOLE   121 0 61
AMGEN INC Common Stock 031162100 807 4,377 SH   SOLE   1,833 0 2,544
ANALOG DEVICES INC Common Stock 032654105 382 3,383 SH   SOLE   1,750 0 1,633
APPLE INC Common Stock 037833100 2,684 13,561 SH   SOLE   9,270 200 4,091
AT&T INC Common Stock 00206R102 834 24,902 SH   SOLE   16,479 0 8,423
AUTOMATIC DATA PROCESSING Common Stock 053015103 981 5,931 SH   SOLE   3,858 0 2,073
BAXTER INTERNATIONAL INC Common Stock 071813109 660 8,055 SH   SOLE   3,950 0 4,105
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 941 4,414 SH   SOLE   1,540 0 2,874
BLACKROCK INC Common Stock 09247X101 527 1,124 SH   SOLE   606 100 418
BOEING CO Common Stock 097023105 417 1,145 SH   SOLE   594 0 551
BOOKING HOLDINGS INC Common Stock 09857L108 251 134 SH   SOLE   79 20 35
BRISTOL MYERS SQUIBB CO Common Stock 110122108 332 7,317 SH   SOLE   3,710 0 3,607
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 639 7,578 SH   SOLE   6,478 400 700
CATERPILLAR INC Common Stock 149123101 328 2,408 SH   SOLE   2,110 0 298
CHEVRON CORPORATION Common Stock 166764100 2,831 22,747 SH   SOLE   19,295 250 3,202
CHUBB LIMITED Common Stock H1467J104 219 1,484 SH   SOLE   221 0 1,263
CINCINNATI FINL CORP Common Stock 172062101 3,220 31,056 SH   SOLE   31,056 0 0
CINTAS CORP Common Stock 172908105 415 1,750 SH   SOLE   1,750 0 0
CISCO SYSTEMS INC Common Stock 17275R102 748 13,669 SH   SOLE   12,633 0 1,036
CITIGROUP INC Common Stock 172967424 330 4,709 SH   SOLE   3,541 350 818
COCA COLA COMPANY Common Stock 191216100 788 15,478 SH   SOLE   13,550 0 1,928
COMCAST CORP CL A Common Stock 20030N101 250 5,908 SH   SOLE   4,276 0 1,632
CULLEN FROST BANKERS INC Common Stock 229899109 299 3,190 SH   SOLE   400 0 2,790
DANAHER CORP Common Stock 235851102 388 2,712 SH   SOLE   2,262 450 0
DBX ETF TR International Equity ETF 233051200 1,069 33,806 SH   SOLE   28,460 1,150 4,196
DEERE & CO Common Stock 244199105 321 1,935 SH   SOLE   560 0 1,375
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 362 2,099 SH   SOLE   637 0 1,462
DISNEY WALT CO Common Stock 254687106 1,727 12,366 SH   SOLE   7,591 0 4,775
DOMINION ENERGY INC Common Stock 25746U109 206 2,661 SH   SOLE   2,161 375 125
DOW INC Common Stock 260557103 299 6,066 SH   SOLE   5,696 128 242
DOW INC Common Stock 260557103 4 85 SH   OTR   85 0 0
DUKE ENERGY HOLDING CORP Common Stock 26441C204 685 7,766 SH   SOLE   4,408 0 3,358
DUPONT DE NEMOURS INC Common Stock 26614N102 470 6,256 SH   SOLE   5,886 128 242
EATON CORP PLC Int'l Common Stock G29183103 644 7,729 SH   SOLE   6,243 0 1,486
ECOLAB INC Common Stock 278865100 209 1,057 SH   SOLE   975 0 82
EMERSON ELECTRIC CO Common Stock 291011104 411 6,160 SH   SOLE   5,660 0 500
ENBRIDGE INC Int'l Common Stock 29250N105 1,083 30,021 SH   SOLE   13,986 0 16,035
ESSA BANCORP INC Common Stock 29667D104 229 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 243 5,063 SH   SOLE   4,715 0 348
EXXON MOBIL CORP Common Stock 30231G102 1,880 24,529 SH   SOLE   19,917 450 4,162
FED EX CORP Common Stock 31428X106 514 3,130 SH   SOLE   1,458 0 1,672
FIRST FINANCIAL BANCORP Common Stock 320209109 423 17,446 SH   SOLE   17,446 0 0
FISERV INC Common Stock 337738108 213 2,339 SH   SOLE   2,310 0 29
GENERAL MILLS INC Common Stock 370334104 744 14,158 SH   SOLE   11,194 700 2,264
GILEAD SCIENCES INC Common Stock 375558103 254 3,766 SH   SOLE   1,387 0 2,379
HERSHEY COMPANY Common Stock 427866108 1,149 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 488 2,345 SH   SOLE   1,962 0 383
HONEYWELL INTERNATIONAL INC Common Stock 438516106 842 4,822 SH   SOLE   4,116 0 706
ILLINOIS TOOL WORKS INC Common Stock 452308109 381 2,526 SH   SOLE   856 0 1,670
INTEL CORP Common Stock 458140100 2,104 43,960 SH   SOLE   29,771 800 13,389
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 278 2,019 SH   SOLE   1,539 0 480
INVESTORS BANCORP INC NEW Common Stock 46146L101 117 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGING MARKETS ETF International Equity ETF 46434G103 4,314 83,859 SH   SOLE   75,229 1,700 6,930
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 287 5,263 SH   SOLE   4,863 0 400
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 9,538 155,340 SH   SOLE   140,465 3,075 11,800
ISHARES TR MIN VOL USA ETF Exchange Traded Fund 46429B697 1,946 31,529 SH   SOLE   27,551 1,500 2,478
ISHARES TR Exchange Traded Fund 464287150 1,446 21,700 SH   SOLE   19,830 0 1,870
ISHARES TR Exchange Traded Fund 464287168 290 2,913 SH   SOLE   1,759 0 1,154
ISHARES TR Exchange Traded Fund 464287200 840 2,850 SH   SOLE   1,935 0 915
ISHARES TR Exchange Traded Fund 464287473 254 2,853 SH   SOLE   2,853 0 0
ISHARES TR Exchange Traded Fund 464287481 355 2,490 SH   SOLE   2,490 0 0
ISHARES TR Exchange Traded Fund 464287499 948 16,967 SH   SOLE   12,808 0 4,159
ISHARES TR Exchange Traded Fund 464287507 2,563 13,196 SH   SOLE   10,166 250 2,780
ISHARES TR Exchange Traded Fund 464287556 526 4,821 SH   SOLE   4,571 250 0
ISHARES TR Exchange Traded Fund 464287614 313 1,989 SH   SOLE   456 0 1,533
ISHARES TR Exchange Traded Fund 464287655 398 2,561 SH   SOLE   2,386 0 175
ISHARES TR Exchange Traded Fund 464287689 2,544 14,762 SH   SOLE   12,862 1,100 800
ISHARES TR Exchange Traded Fund 464287804 1,438 18,364 SH   SOLE   16,774 650 940
ISHARES TR Exchange Traded Fund 464287879 270 1,818 SH   SOLE   1,618 0 200
ISHARES TR Exchange Traded Fund 464288752 208 5,435 SH   SOLE   3,935 1,000 500
ISHARES TR Exchange Traded Fund 46429B689 201 2,767 SH   SOLE   1,977 0 790
ISHARES TR Fixed Income ETF 464287176 565 4,890 SH   SOLE   4,750 0 140
ISHARES TR Fixed Income ETF 464287226 395 3,544 SH   SOLE   3,394 0 150
ISHARES TR International Equity ETF 464287234 228 5,302 SH   SOLE   5,302 0 0
ISHARES TR International Equity ETF 464287465 845 12,862 SH   SOLE   11,447 0 1,415
J P MORGAN CHASE CO Common Stock 46625H100 1,459 13,054 SH   SOLE   10,179 0 2,875
JM SMUCKER CO THE Common Stock 832696405 273 2,374 SH   SOLE   2,034 0 340
JOHNSON & JOHNSON Common Stock 478160104 2,097 15,057 SH   SOLE   11,911 250 2,896
KEYCORP NEW Common Stock 493267108 588 33,116 SH   SOLE   33,116 0 0
LAM RESEARCH CORP Common Stock 512807108 433 2,306 SH   SOLE   1,868 150 288
LCNB CORP Common Stock 50181P100 5,409 284,710 SH   SOLE   274,510 0 10,200
LCNB CORP Common Stock 50181P100 5,241 275,840 SH   OTR   275,840 0 0
LINDE PLC Int'l Common Stock G5494J103 641 3,193 SH   SOLE   1,540 0 1,653
LOCKHEED MARTIN CORP Common Stock 539830109 1,102 3,032 SH   SOLE   2,825 100 107
LOWES CO INC Common Stock 548661107 1,063 10,534 SH   SOLE   6,786 0 3,748
MASTERCARD INC Common Stock 57636Q104 838 3,169 SH   SOLE   1,640 0 1,529
MCCORMICK CO INC Common Stock 579780206 635 4,095 SH   SOLE   3,795 0 300
MCDONALDS CORP Common Stock 580135101 1,175 5,660 SH   SOLE   4,550 0 1,110
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 424 4,353 SH   SOLE   3,124 0 1,229
MERCK AND CO INC Common Stock 58933Y105 809 9,647 SH   SOLE   8,557 0 1,090
MICROSOFT CORP Common Stock 594918104 4,178 31,185 SH   SOLE   22,227 0 8,958
NEXTERA ENERGY INC Common Stock 65339F101 530 2,585 SH   SOLE   2,075 0 510
NIKE INC Common Stock 654106103 1,260 15,003 SH   SOLE   11,576 0 3,427
NORFOLK SOUTHERN CORP Common Stock 655844108 489 2,455 SH   SOLE   1,735 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,152 12,617 SH   SOLE   9,560 450 2,607
ORACLE CORPORATION Common Stock 68389X105 861 15,107 SH   SOLE   9,104 0 6,003
PAYPAL HOLDINGS INC Common Stock 70450Y103 350 3,058 SH   SOLE   2,458 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 228 13,595 SH   SOLE   13,595 0 0
PEPSICO INC Common Stock 713448108 1,927 14,695 SH   SOLE   11,605 0 3,090
PFIZER INC Common Stock 717081103 1,265 29,208 SH   SOLE   24,174 1,000 4,034
PHILLIPS 66 Common Stock 718546104 380 4,059 SH   SOLE   3,889 0 170
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 330 2,405 SH   SOLE   2,062 0 343
PROCTER & GAMBLE CO Common Stock 742718109 6,824 62,233 SH   SOLE   58,854 400 2,979
PROCTER & GAMBLE CO Common Stock 742718109 175 1,600 SH   OTR   1,600 0 0
PRUDENTIAL FINANCIAL INC Common Stock 744320102 289 2,860 SH   SOLE   2,336 200 324
SCHWAB US LARGE CAP GROWTH ETF Exchange Traded Fund 808524300 2,545 30,586 SH   SOLE   29,224 0 1,362
SCHWAB US LARGE CAP VALUE ETF Exchange Traded Fund 808524409 3,220 57,363 SH   SOLE   55,291 0 2,072
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209 788 8,508 SH   SOLE   8,508 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y803 1,078 13,810 SH   SOLE   13,810 0 0
SOUTHERN CO Common Stock 842587107 544 9,841 SH   SOLE   9,058 0 783
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 2,620 8,943 SH   SOLE   8,943 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 571 1,610 SH   SOLE   1,505 0 105
STARBUCKS CORP Common Stock 855244109 1,079 12,869 SH   SOLE   10,402 0 2,467
STRYKER CORP Common Stock 863667101 244 1,189 SH   SOLE   799 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 738 6,726 SH   SOLE   4,943 284 1,499
TEXAS INSTRUMENTS INC Common Stock 882508104 336 2,927 SH   SOLE   2,160 0 767
TFS FINL CORP Common Stock 87240R107 358 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 970 18,345 SH   SOLE   7,930 0 10,415
TRACTOR SUPPLY CO Common Stock 892356106 310 2,845 SH   SOLE   2,360 0 485
UNION PACIFIC CORP Common Stock 907818108 287 1,700 SH   SOLE   1,447 0 253
UNITED PARCEL SERVICE INC CLB Common Stock 911312106 312 3,025 SH   SOLE   2,402 196 427
UNITED TECHNOLOGIES CORP Common Stock 913017109 1,063 8,163 SH   SOLE   4,725 187 3,251
US BANCORP Common Stock 902973304 2,480 47,330 SH   SOLE   36,644 800 9,886
V F CORP Common Stock 918204108 423 4,844 SH   SOLE   2,729 0 2,115
VANGUARD BD INDEX FD INC Fixed Income ETF 921937819 1,457 16,845 SH   SOLE   15,645 0 1,200
VANGUARD INDEX FDS Exchange Traded Fund 922908553 212 2,422 SH   SOLE   2,422 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908611 267 2,044 SH   SOLE   1,114 0 930
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 243 5,705 SH   SOLE   4,495 0 1,210
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C706 360 5,460 SH   SOLE   3,410 800 1,250
VANGUARD WHITEHALL FDS INC Exchange Traded Fund 921946406 382 4,372 SH   SOLE   1,727 0 2,645
VERIZON COMMUNICATIONS INC Common Stock 92343V104 943 16,502 SH   SOLE   10,035 269 6,198
VERIZON COMMUNICATIONS INC Common Stock 92343V104 94 1,646 SH   OTR   1,646 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 261 1,503 SH   SOLE   944 0 559
WALMART INC Common Stock 931142103 358 3,238 SH   SOLE   2,681 0 557
WELLS FARGO CO Common Stock 949746101 328 6,942 SH   SOLE   4,151 0 2,791
WELLTOWER INC Common Stock 95040Q104 204 2,504 SH   SOLE   2,140 0 364
WISDOMTREE TR Exchange Traded Fund 97717W109 1,635 16,824 SH   SOLE   13,179 750 2,895