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 281 1,476 SH   SOLE   760 0 716
ABBOTT LABORATORIES Common Stock 002824100 1,508 20,842 SH   SOLE   13,275 650 6,917
ABBVIE INC Common Stock 00287Y109 531 5,758 SH   SOLE   2,518 0 3,240
ACCENTURE PLC CL A ORDINARY Int'l Common Stock G1151C101 832 5,903 SH   SOLE   3,531 0 2,372
ALPHABET INC CL A Common Stock 02079K305 900 861 SH   SOLE   573 0 288
ALPHABET INC CL C Common Stock 02079K107 1,191 1,150 SH   SOLE   735 50 365
AMAZON COM INC Common Stock 023135106 264 176 SH   SOLE   115 0 61
AMGEN INC Common Stock 031162100 759 3,901 SH   SOLE   1,357 0 2,544
ANALOG DEVICES INC Common Stock 032654105 292 3,399 SH   SOLE   1,766 0 1,633
APPLE INC Common Stock 037833100 2,037 12,914 SH   SOLE   8,598 275 4,041
AT&T INC Common Stock 00206R102 687 24,086 SH   SOLE   13,958 0 10,128
AUTOMATIC DATA PROCESSING Common Stock 053015103 810 6,181 SH   SOLE   4,044 0 2,137
BAXTER INTERNATIONAL INC Common Stock 071813109 536 8,145 SH   SOLE   4,040 0 4,105
BERKSHIRE HATHAWAY INC CL B NEW Common Stock 084670702 908 4,446 SH   SOLE   1,572 0 2,874
BLACKROCK INC Common Stock 09247X101 498 1,267 SH   SOLE   664 125 478
BOEING CO Common Stock 097023105 453 1,406 SH   SOLE   598 0 808
BOOKING HOLDINGS INC Common Stock 09857L108 255 148 SH   SOLE   82 30 36
BRISTOL MYERS SQUIBB CO Common Stock 110122108 388 7,463 SH   SOLE   3,785 0 3,678
C H ROBINSON WORLDWIDE INC Common Stock 12541W209 680 8,090 SH   SOLE   6,890 500 700
CATERPILLAR INC Common Stock 149123101 312 2,458 SH   SOLE   2,160 0 298
CHEVRON CORPORATION Common Stock 166764100 2,457 22,583 SH   SOLE   19,130 250 3,203
CHUBB LIMITED Common Stock H1467J104 204 1,581 SH   SOLE   318 0 1,263
CINCINNATI FINL CORP Common Stock 172062101 2,551 32,951 SH   SOLE   32,951 0 0
CINTAS CORP Common Stock 172908105 295 1,756 SH   SOLE   1,756 0 0
CISCO SYSTEMS INC Common Stock 17275R102 601 13,873 SH   SOLE   12,837 0 1,036
CITIGROUP INC Common Stock 172967424 246 4,725 SH   SOLE   3,557 350 818
COCA COLA COMPANY Common Stock 191216100 738 15,582 SH   SOLE   13,637 0 1,945
COMCAST CORP CL A Common Stock 20030N101 210 6,177 SH   SOLE   4,545 0 1,632
CONOCOPHILLIPS Common Stock 20825C104 212 3,400 SH   SOLE   2,985 0 415
CULLEN FROST BANKERS INC Common Stock 229899109 281 3,190 SH   SOLE   400 0 2,790
CVS HEALTH CORPORATION Common Stock 126650100 394 6,011 SH   SOLE   1,340 0 4,671
DANAHER CORP Common Stock 235851102 306 2,963 SH   SOLE   2,312 600 51
DBX ETF TR International Equity ETF 233051200 964 34,556 SH   SOLE   29,110 1,250 4,196
DEERE & CO Common Stock 244199105 326 2,185 SH   SOLE   560 0 1,625
DIAGEO PLC SPONSORED A D R Int'l Common Stock 25243Q205 298 2,099 SH   SOLE   637 0 1,462
DISNEY WALT CO Common Stock 254687106 1,260 11,489 SH   SOLE   6,747 0 4,742
DOWDUPONT INC Common Stock 26078J100 1,007 18,831 SH   SOLE   17,513 384 934
DUKE ENERGY HOLDING CORP Common Stock 26441C204 695 8,048 SH   SOLE   4,765 0 3,283
EATON CORP PLC Int'l Common Stock G29183103 513 7,473 SH   SOLE   5,987 0 1,486
EMERSON ELECTRIC CO Common Stock 291011104 394 6,594 SH   SOLE   6,244 0 350
ENBRIDGE INC Int'l Common Stock 29250N105 910 29,287 SH   SOLE   13,145 0 16,142
ESSA BANCORP INC Common Stock 29667D104 234 15,000 SH   SOLE   15,000 0 0
EXELON CORPORATION Common Stock 30161N101 248 5,488 SH   SOLE   5,040 0 448
EXXON MOBIL CORP Common Stock 30231G102 1,680 24,639 SH   SOLE   20,027 450 4,162
FED EX CORP Common Stock 31428X106 517 3,205 SH   SOLE   1,533 0 1,672
FIRST FINANCIAL BANCORP Common Stock 320209109 414 17,446 SH   SOLE   17,446 0 0
FISERV INC Common Stock 337738108 209 2,840 SH   SOLE   2,810 0 30
GENERAL MILLS INC Common Stock 370334104 525 13,487 SH   SOLE   10,373 850 2,264
GILEAD SCIENCES INC Common Stock 375558103 246 3,936 SH   SOLE   1,557 0 2,379
HERSHEY COMPANY Common Stock 427866108 919 8,570 SH   SOLE   8,570 0 0
HOME DEPOT INC Common Stock 437076102 397 2,311 SH   SOLE   1,906 0 405
HONEYWELL INTERNATIONAL INC Common Stock 438516106 600 4,539 SH   SOLE   3,833 0 706
ILLINOIS TOOL WORKS INC Common Stock 452308109 337 2,660 SH   SOLE   990 0 1,670
INTEL CORP Common Stock 458140100 2,083 44,389 SH   SOLE   29,150 1,000 14,239
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 241 2,119 SH   SOLE   1,639 0 480
INVESTORS BANCORP INC NEW Common Stock 46146L101 109 10,455 SH   SOLE   10,455 0 0
ISHARES INC CORE MSCI EMERGING MARKETS ETF International Equity ETF 46434G103 3,684 78,127 SH   SOLE   69,148 2,000 6,979
ISHARES INC MSCI JAPAN ETF International Equity ETF 46434G822 707 13,948 SH   SOLE   13,144 0 804
ISHARES TR CORE MSCI EAFE ETF International Equity ETF 46432F842 7,736 140,655 SH   SOLE   124,690 3,500 12,465
ISHARES TR Exchange Traded Fund 464287150 1,382 24,350 SH   SOLE   22,230 0 2,120
ISHARES TR Exchange Traded Fund 464287168 256 2,864 SH   SOLE   1,710 0 1,154
ISHARES TR Exchange Traded Fund 464287200 599 2,380 SH   SOLE   1,465 0 915
ISHARES TR Exchange Traded Fund 464287473 218 2,853 SH   SOLE   2,853 0 0
ISHARES TR Exchange Traded Fund 464287481 306 2,690 SH   SOLE   2,690 0 0
ISHARES TR Exchange Traded Fund 464287499 826 17,767 SH   SOLE   13,608 0 4,159
ISHARES TR Exchange Traded Fund 464287507 2,138 12,873 SH   SOLE   9,693 400 2,780
ISHARES TR Exchange Traded Fund 464287556 529 5,481 SH   SOLE   4,781 700 0
ISHARES TR Exchange Traded Fund 464287614 260 1,989 SH   SOLE   456 0 1,533
ISHARES TR Exchange Traded Fund 464287655 362 2,705 SH   SOLE   2,530 0 175
ISHARES TR Exchange Traded Fund 464287689 2,239 15,237 SH   SOLE   12,937 1,500 800
ISHARES TR Exchange Traded Fund 464287804 1,273 18,371 SH   SOLE   16,431 1,000 940
ISHARES TR Exchange Traded Fund 464287879 227 1,718 SH   SOLE   1,518 0 200
ISHARES TR Exchange Traded Fund 464288752 226 7,535 SH   SOLE   6,035 1,000 500
ISHARES TR Fixed Income ETF 464287176 536 4,890 SH   SOLE   4,750 0 140
ISHARES TR Fixed Income ETF 464287226 402 3,779 SH   SOLE   3,629 0 150
ISHARES TR International Equity ETF 464287234 203 5,199 SH   SOLE   5,199 0 0
ISHARES TR International Equity ETF 464287465 755 12,852 SH   SOLE   11,337 0 1,515
J P MORGAN CHASE CO Common Stock 46625H100 1,247 12,778 SH   SOLE   9,653 0 3,125
JOHNSON & JOHNSON Common Stock 478160104 1,972 15,279 SH   SOLE   12,083 250 2,946
KEYCORP NEW Common Stock 493267108 499 33,787 SH   SOLE   33,787 0 0
KROGER CO Common Stock 501044101 214 7,785 SH   SOLE   5,785 0 2,000
LAM RESEARCH CORP Common Stock 512807108 204 1,499 SH   SOLE   1,111 100 288
LCNB CORP Common Stock 50181P100 5,323 351,350 SH   SOLE   341,150 0 10,200
LCNB CORP Common Stock 50181P100 4,179 275,840 SH   OTR   275,840 0 0
LINDE PLC Int'l Common Stock G5494J103 535 3,426 SH   SOLE   1,773 0 1,653
LOCKHEED MARTIN CORP Common Stock 539830109 889 3,395 SH   SOLE   3,113 150 132
LOWES CO INC Common Stock 548661107 935 10,125 SH   SOLE   6,377 0 3,748
MASTERCARD INC Common Stock 57636Q104 677 3,590 SH   SOLE   1,775 0 1,815
MCCORMICK CO INC Common Stock 579780206 591 4,245 SH   SOLE   3,945 0 300
MCDONALDS CORP Common Stock 580135101 1,038 5,847 SH   SOLE   4,737 0 1,110
MEDTRONIC PLC ORDINARY SHARES Int'l Common Stock G5960L103 378 4,160 SH   SOLE   2,931 0 1,229
MERCK AND CO INC Common Stock 58933Y105 741 9,698 SH   SOLE   8,607 0 1,091
MICROSOFT CORP Common Stock 594918104 3,154 31,049 SH   SOLE   21,935 0 9,114
NEXTERA ENERGY INC Common Stock 65339F101 436 2,510 SH   SOLE   2,000 0 510
NIKE INC Common Stock 654106103 1,366 18,422 SH   SOLE   14,982 0 3,440
NORFOLK SOUTHERN CORP Common Stock 655844108 382 2,555 SH   SOLE   1,835 0 720
NOVARTIS AG A D R Int'l Common Stock 66987V109 1,292 15,054 SH   SOLE   9,701 600 4,753
ORACLE CORPORATION Common Stock 68389X105 755 16,728 SH   SOLE   9,824 900 6,004
PAYPAL HOLDINGS INC Common Stock 70450Y103 268 3,183 SH   SOLE   2,583 400 200
PEOPLES UNITED FINANCIAL INC Common Stock 712704105 225 15,620 SH   SOLE   15,620 0 0
PEPSICO INC Common Stock 713448108 1,719 15,555 SH   SOLE   12,415 0 3,140
PFIZER INC Common Stock 717081103 1,243 28,469 SH   SOLE   23,030 1,400 4,039
PHILLIPS 66 Common Stock 718546104 335 3,893 SH   SOLE   3,614 0 279
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105 287 2,455 SH   SOLE   2,112 0 343
PROCTER & GAMBLE CO Common Stock 742718109 5,274 57,376 SH   SOLE   53,932 500 2,944
PROCTER & GAMBLE CO Common Stock 742718109 147 1,600 SH   OTR   1,600 0 0
SCHWAB US LARGE CAP GROWTH ETF Exchange Traded Fund 808524300 2,019 29,291 SH   SOLE   28,028 0 1,263
SCHWAB US LARGE CAP VALUE ETF Exchange Traded Fund 808524409 2,634 53,433 SH   SOLE   51,147 0 2,286
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209 736 8,508 SH   SOLE   8,508 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y803 858 13,836 SH   SOLE   13,836 0 0
SOUTHERN CO Common Stock 842587107 441 10,041 SH   SOLE   9,258 0 783
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 2,247 8,992 SH   SOLE   8,992 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 478 1,580 SH   SOLE   1,475 0 105
STARBUCKS CORP Common Stock 855244109 758 11,770 SH   SOLE   9,290 0 2,480
STRYKER CORP Common Stock 863667101 214 1,365 SH   SOLE   975 0 390
T ROWE PRICE GROUP INC Common Stock 74144T108 454 4,920 SH   SOLE   3,555 0 1,365
TEXAS INSTRUMENTS INC Common Stock 882508104 200 2,117 SH   SOLE   1,337 0 780
TFS FINL CORP Common Stock 87240R107 319 19,800 SH   SOLE   19,800 0 0
TJX COMPANIES INC Common Stock 872540109 817 18,265 SH   SOLE   7,850 0 10,415
TRACTOR SUPPLY CO Common Stock 892356106 246 2,945 SH   SOLE   2,460 0 485
UNION PACIFIC CORP Common Stock 907818108 238 1,723 SH   SOLE   1,470 0 253
UNITED TECHNOLOGIES CORP Common Stock 913017109 864 8,113 SH   SOLE   4,737 0 3,376
US BANCORP Common Stock 902973304 2,177 47,632 SH   SOLE   36,646 1,100 9,886
V F CORP Common Stock 918204108 410 5,744 SH   SOLE   3,569 0 2,175
VANGUARD BD INDEX FD INC Fixed Income ETF 921937819 1,386 17,053 SH   SOLE   15,853 0 1,200
VANGUARD INDEX FDS Exchange Traded Fund 922908611 233 2,044 SH   SOLE   1,114 0 930
VANGUARD INTL EQUITY INDEX FD International Equity ETF 922042858 370 9,705 SH   SOLE   5,495 0 4,210
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C706 372 5,860 SH   SOLE   3,410 1,200 1,250
VANGUARD WHITEHALL FDS INC Exchange Traded Fund 921946406 324 4,153 SH   SOLE   1,508 0 2,645
VERIZON COMMUNICATIONS INC Common Stock 92343V104 940 16,713 SH   SOLE   10,346 269 6,098
VERIZON COMMUNICATIONS INC Common Stock 92343V104 93 1,646 SH   OTR   1,646 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 208 1,579 SH   SOLE   1,020 0 559
WALMART INC Common Stock 931142103 326 3,498 SH   SOLE   2,941 0 557
WELLS FARGO CO Common Stock 949746101 350 7,595 SH   SOLE   4,801 0 2,794
WESTERN UNION CO Common Stock 959802109 179 10,520 SH   SOLE   9,685 0 835
WISDOMTREE TR Exchange Traded Fund 97717W109 1,376 16,264 SH   SOLE   12,619 750 2,895