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 417 2,603 SH   SOLE   1,778 0 825
Abbott Laboratories Common Stock 002824100 1,960 18,014 SH   SOLE   11,985 150 5,879
Abbvie Inc. Common Stock 00287Y109 534 6,097 SH   SOLE   3,038 0 3,059
Accenture PLC Int'l Common Stock G1151C101 933 4,130 SH   SOLE   2,220 0 1,910
Alphabet Inc. Common Stock 02079K107 1,990 1,354 SH   SOLE   971 40 343
Alphabet Inc. Common Stock 02079K305 1,495 1,020 SH   SOLE   777 0 243
Amazon.com Inc Common Stock 023135106 967 307 SH   SOLE   262 0 45
Amgen Inc. Common Stock 031162100 1,299 5,112 SH   SOLE   2,637 0 2,475
Analog Devices Inc. Common Stock 032654105 401 3,432 SH   SOLE   1,799 0 1,633
Apple Inc. Common Stock 037833100 4,709 40,663 SH   SOLE   28,635 400 11,628
AT&T Inc. Common Stock 00206R102 873 30,618 SH   SOLE   25,379 0 5,239
Automatic Data Processing Common Stock 053015103 702 5,031 SH   SOLE   3,519 0 1,512
Bank of America Corp. Common Stock 060505104 261 10,848 SH   SOLE   10,327 0 521
Baxter International Inc. Common Stock 071813109 604 7,510 SH   SOLE   3,905 0 3,605
Berkshire Hathaway Inc. Common Stock 084670702 931 4,374 SH   SOLE   1,559 0 2,815
Blackrock Inc. Common Stock 09247X101 496 881 SH   SOLE   646 100 135
Boeing Co. Common Stock 097023105 367 2,219 SH   SOLE   1,729 0 490
Booking Holdings Inc. Common Stock 09857L108 204 119 SH   SOLE   79 20 20
Bristol-Myers Squibb Co Common Stock 110122108 573 9,501 SH   SOLE   6,200 0 3,301
Broadcom Ltd. Common Stock 11135F101 1,090 2,993 SH   SOLE   2,334 200 459
C H Robinson Worldwide Inc. Common Stock 12541W209 617 6,035 SH   SOLE   5,735 0 300
Cardinal Health Inc. Common Stock 14149Y108 239 5,092 SH   SOLE   4,166 0 926
Caterpillar Inc. Common Stock 149123101 368 2,465 SH   SOLE   2,167 0 298
Chevron Corporation Common Stock 166764100 1,422 19,751 SH   SOLE   18,679 250 822
Cincinnati Financial Corp Common Stock 172062101 2,126 27,267 SH   SOLE   27,267 0 0
Cintas Corp. Common Stock 172908105 516 1,550 SH   SOLE   1,550 0 0
Cisco Systems Inc. Common Stock 17275R102 616 15,626 SH   SOLE   14,840 0 786
Citigroup Inc. Common Stock 172967424 258 5,974 SH   SOLE   4,606 700 668
Clorox Co. Common Stock 189054109 205 975 SH   SOLE   975 0 0
Coca-Cola Company Common Stock 191216100 869 17,594 SH   SOLE   15,910 0 1,684
Comcast Corp. Common Stock 20030N101 250 5,394 SH   SOLE   4,317 0 1,077
CVS Health Corporation Common Stock 126650100 242 4,139 SH   SOLE   3,289 0 850
Danaher Corp. Common Stock 235851102 607 2,818 SH   SOLE   2,368 450 0
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR International Equity ETF 233051200 844 27,596 SH   SOLE   23,135 1,150 3,311
Deere & Co. Common Stock 244199105 398 1,794 SH   SOLE   869 0 925
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 281 2,039 SH   SOLE   577 0 1,462
Disney Walt Co. Common Stock 254687106 1,763 14,208 SH   SOLE   9,871 0 4,337
Dominion Energy Inc. Common Stock 25746U109 266 3,367 SH   SOLE   3,167 0 200
Duke Energy Holding Corp. Common Stock 26441C204 901 10,171 SH   SOLE   6,970 0 3,201
Eaton Corp. Common Stock G29183103 816 7,998 SH   SOLE   6,862 0 1,136
Eli Lilly Co. Common Stock 532457108 501 3,383 SH   SOLE   3,233 0 150
Emerson Electric Co. Common Stock 291011104 441 6,730 SH   SOLE   6,080 0 650
Enbridge Inc. Int'l Common Stock 29250N105 800 27,390 SH   SOLE   11,699 0 15,691
ESSA BANCORP INC Common Stock 29667D104 185 15,000 SH   SOLE   15,000 0 0
Exxon Mobil Corp. Common Stock 30231G102 414 12,066 SH   SOLE   10,300 0 1,766
Fed Ex Corp. Common Stock 31428X106 811 3,223 SH   SOLE   1,586 0 1,637
First Financial Bancorp Common Stock 320209109 209 17,446 SH   SOLE   17,446 0 0
Fiserv Inc. Common Stock 337738108 225 2,185 SH   SOLE   2,185 0 0
General Mills Inc. Common Stock 370334104 960 15,558 SH   SOLE   13,094 700 1,764
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 887 8,408 SH   SOLE   8,408 0 0
Hershey Company Common Stock 427866108 1,228 8,570 SH   SOLE   8,570 0 0
Home Depot Inc. Common Stock 437076102 840 3,024 SH   SOLE   2,842 0 182
Honeywell International Inc. Common Stock 438516106 851 5,171 SH   SOLE   4,575 0 596
Illinois Tool Works Inc. Common Stock 452308109 479 2,478 SH   SOLE   1,028 0 1,450
Intel Corp. Common Stock 458140100 2,185 42,193 SH   SOLE   31,039 800 10,354
International Business Machines Corp. Common Stock 459200101 273 2,247 SH   SOLE   1,767 0 480
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 1,699 15,720 SH   SOLE   15,219 0 501
INVESTORS BANCORP INC NEW Common Stock 46146L101 76 10,455 SH   SOLE   10,455 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 1,048 3,118 SH   SOLE   2,143 0 975
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 449 3,801 SH   SOLE   3,651 0 150
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 2,696 42,302 SH   SOLE   36,645 3,000 2,657
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 2,812 53,258 SH   SOLE   48,944 0 4,314
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 10,030 166,392 SH   SOLE   153,416 3,075 9,901
IShares MSCI EAFE Min Volatility Exchange Traded Fund 46429B689 527 7,730 SH   SOLE   6,802 0 928
IShares NASDAQ Biotechnology TR Exchange Traded Fund 464287556 483 3,570 SH   SOLE   3,320 250 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 212 1,730 SH   SOLE   1,530 0 200
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,152 11,613 SH   SOLE   9,713 0 1,900
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,276 18,175 SH   SOLE   16,605 650 920
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 2,481 32,860 SH   SOLE   31,460 0 1,400
IShares TR MSCI EAFE ETF International Equity ETF 464287465 927 14,558 SH   SOLE   13,143 0 1,415
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 260 5,891 SH   SOLE   5,891 0 0
ISHARES TR RUS 1000 GRW ETF Exchange Traded Fund 464287614 278 1,284 SH   SOLE   326 0 958
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 638 4,260 SH   SOLE   4,085 0 175
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 2,742 14,012 SH   SOLE   12,612 1,100 300
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 894 15,572 SH   SOLE   12,027 0 3,545
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 675 3,903 SH   SOLE   3,903 0 0
IShares TR Russell Mid Cap Value ETF Exchange Traded Fund 464287473 400 4,945 SH   SOLE   4,945 0 0
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 220 2,703 SH   SOLE   2,049 0 654
IShares TR TIPS Bond ETF Fixed Income ETF 464287176 598 4,730 SH   SOLE   4,730 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 277 4,885 SH   SOLE   3,185 1,000 700
Johnson & Johnson Common Stock 478160104 2,439 16,385 SH   SOLE   13,543 250 2,592
JP Morgan Chase Co. Common Stock 46625H100 1,344 13,960 SH   SOLE   12,081 0 1,879
Kroger Co. Common Stock 501044101 360 10,621 SH   SOLE   8,446 0 2,175
Lam Research Corp. Common Stock 512807108 859 2,588 SH   SOLE   2,270 150 168
LCNB Corp. Common Stock 50181P100 3,587 262,820 SH   SOLE   252,620 0 10,200
LCNB Corp. Common Stock 50181P100 3,765 275,840 SH   OTR   275,840 0 0
Linde PLC Int'l Common Stock G5494J103 539 2,262 SH   SOLE   699 0 1,563
Lockheed Martin Corp. Common Stock 539830109 1,133 2,957 SH   SOLE   2,750 100 107
Lowes Co Inc. Common Stock 548661107 1,978 11,926 SH   SOLE   8,280 0 3,646
Mastercard Inc. Common Stock 57636Q104 887 2,624 SH   SOLE   1,245 0 1,379
McCormick Co Inc. Common Stock 579780206 508 2,615 SH   SOLE   2,365 0 250
McDonalds Corp. Common Stock 580135101 1,245 5,674 SH   SOLE   4,691 0 983
Medtronic PLC Int'l Common Stock G5960L103 562 5,409 SH   SOLE   4,155 0 1,254
Merck and Co Inc. Common Stock 58933Y105 853 10,280 SH   SOLE   9,422 0 858
Microsoft Corp. Common Stock 594918104 6,746 32,072 SH   SOLE   24,143 0 7,929
Mondelez International Inc Common Stock 609207105 408 7,101 SH   SOLE   6,357 0 744
NextEra Energy Inc. Common Stock 65339F101 739 2,663 SH   SOLE   2,213 0 450
Nike Inc. Common Stock 654106103 1,608 12,805 SH   SOLE   10,587 0 2,218
Norfolk Southern Corp. Common Stock 655844108 504 2,355 SH   SOLE   1,635 0 720
Novartis AG ADR Int'l Common Stock 66987V109 1,095 12,587 SH   SOLE   9,846 450 2,291
NVIDIA Corp. Common Stock 67066G104 412 761 SH   SOLE   711 0 50
Oracle Corporation Common Stock 68389X105 510 8,551 SH   SOLE   7,183 0 1,368
PayPal Holdings Inc. Common Stock 70450Y103 579 2,938 SH   SOLE   2,338 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 140 13,595 SH   SOLE   13,595 0 0
Pepsico Inc. Common Stock 713448108 2,141 15,450 SH   SOLE   12,716 0 2,734
Pfizer Inc. Common Stock 717081103 1,231 33,552 SH   SOLE   28,908 1,000 3,644
PNC Financial Services Group Inc. Common Stock 693475105 259 2,356 SH   SOLE   2,113 0 243
Procter & Gamble Co. Common Stock 742718109 8,965 64,501 SH   SOLE   61,477 400 2,624
Procter & Gamble Co. Common Stock 742718109 222 1,600 SH   OTR   1,600 0 0
Prudential Financial Inc. Common Stock 744320102 307 4,835 SH   SOLE   4,010 200 625
Regions Financial Corp. Common Stock 7591EP100 128 11,104 SH   SOLE   10,104 0 1,000
Roku Inc. Common Stock 77543R102 213 1,130 SH   SOLE   1,130 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 3,669 31,855 SH   SOLE   30,745 0 1,110
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 3,140 60,168 SH   SOLE   58,124 0 2,044
Southern Co. Common Stock 842587107 481 8,878 SH   SOLE   8,031 0 847
SPDR Gold TR Exchange Traded Fund 78463V107 989 5,582 SH   SOLE   5,045 0 537
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 3,235 9,661 SH   SOLE   9,661 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 576 1,700 SH   SOLE   1,600 0 100
Starbucks Corp. Common Stock 855244109 1,175 13,679 SH   SOLE   11,338 500 1,841
Stryker Corp. Common Stock 863667101 233 1,119 SH   SOLE   839 0 280
T Rowe Price Group Inc. Common Stock 74144T108 975 7,608 SH   SOLE   6,375 284 949
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 1,658 14,210 SH   SOLE   14,210 0 0
Texas Instruments Inc. Common Stock 882508104 353 2,469 SH   SOLE   1,896 0 573
TFS FINL CORP Common Stock 87240R107 191 13,000 SH   SOLE   13,000 0 0
TJX Companies Inc. Common Stock 872540109 1,008 18,106 SH   SOLE   7,691 0 10,415
Tractor Supply Co. Common Stock 892356106 376 2,620 SH   SOLE   2,360 0 260
U.S. Bancorp Common Stock 902973304 1,428 39,843 SH   SOLE   34,427 800 4,616
Union Pacific Corp. Common Stock 907818108 350 1,777 SH   SOLE   1,684 0 93
United Parcel Service Inc Common Stock 911312106 936 5,619 SH   SOLE   4,685 296 638
United/Raytheon Technologies Corp Common Stock 75513E101 402 6,982 SH   SOLE   5,047 287 1,648
V F Corp. Common Stock 918204108 247 3,509 SH   SOLE   2,044 0 1,465
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 311 3,840 SH   SOLE   1,195 0 2,645
Vanguard Intermediate Term Bond Index Fund Inc. Fixed Income ETF 921937819 1,368 14,635 SH   SOLE   13,435 0 1,200
Vanguard International Equity Index Fund International Equity ETF 922042858 242 5,600 SH   SOLE   5,390 0 210
Verizon Communications Inc. Common Stock 92343V104 1,052 17,689 SH   SOLE   11,447 519 5,723
Verizon Communications Inc. Common Stock 92343V104 98 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839 483 2,414 SH   SOLE   2,032 0 382
Walmart Inc. Common Stock 931142103 401 2,865 SH   SOLE   2,515 0 350
Welltower Inc. Common Stock 95040Q104 261 4,735 SH   SOLE   4,416 0 319
WestRock Co. Common Stock 96145D105 524 15,080 SH   SOLE   14,505 0 575
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,006 10,709 SH   SOLE   7,459 400 2,850