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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101   519,460 3,800 SH   SOLE   3,800 0 0
Abbott Laboratories Common Stock 002824100   1,805,576 15,837 SH   SOLE   9,968 0 5,869
Abbvie Inc. Common Stock 00287Y109   1,433,994 7,261 SH   SOLE   3,732 0 3,529
Accenture PLC Int'l Common Stock G1151C101   1,391,651 3,937 SH   SOLE   2,206 0 1,731
Aflac Inc. Common Stock 001055102   203,588 1,821 SH   SOLE   1,821 0 0
Air Products & Chemicals Inc Common Stock 009158106   265,882 893 SH   SOLE   801 0 92
Alphabet Inc. Common Stock 02079K107   3,816,230 22,826 SH   SOLE   17,638 0 5,188
Alphabet Inc. Common Stock 02079K305   3,628,135 21,876 SH   SOLE   18,787 0 3,089
Amazon.com Inc Common Stock 023135106   2,164,782 11,618 SH   SOLE   11,618 0 0
American Express Co. Common Stock 025816109   450,734 1,662 SH   SOLE   1,450 0 212
Amgen Inc. Common Stock 031162100   2,294,780 7,122 SH   SOLE   4,759 0 2,363
Analog Devices Inc. Common Stock 032654105   798,230 3,468 SH   SOLE   1,776 0 1,692
Apple Inc. Common Stock 037833100   7,784,763 33,411 SH   SOLE   21,859 0 11,552
Applied Materials Common Stock 038222105   331,362 1,640 SH   SOLE   1,640 0 0
Automatic Data Processing Common Stock 053015103   1,367,600 4,942 SH   SOLE   3,090 0 1,852
Bank of America Corp. Common Stock 060505104   357,437 9,008 SH   SOLE   9,008 0 0
Becton Dickinson and Co. Common Stock 075887109   697,985 2,895 SH   SOLE   2,895 0 0
Berkshire Hathaway Inc. Common Stock 084670702   2,078,994 4,517 SH   SOLE   1,846 0 2,671
Blackrock Inc. Common Stock 09247X101   367,460 387 SH   SOLE   334 0 53
Blackstone Inc. Common Stock 09260D107   1,123,362 7,336 SH   SOLE   7,336 0 0
Block Inc Common Stock 852234103   656,867 9,785 SH   SOLE   9,785 0 0
Boeing Co. Common Stock 097023105   597,061 3,927 SH   SOLE   3,477 0 450
Booking Holdings Inc. Common Stock 09857L108   303,273 72 SH   SOLE   72 0 0
Bristol-Myers Squibb Co Common Stock 110122108   248,921 4,811 SH   SOLE   4,811 0 0
Broadcom Ltd. Common Stock 11135F101   4,170,188 24,175 SH   SOLE   24,175 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209   302,966 2,745 SH   SOLE   2,745 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   350,372 4,096 SH   SOLE   1,917 0 2,179
Cardinal Health Inc. Common Stock 14149Y108   625,543 5,660 SH   SOLE   5,660 0 0
Caterpillar Inc. Common Stock 149123101   773,244 1,977 SH   SOLE   1,977 0 0
Charles Schwab Corp. Common Stock 808513105   446,022 6,882 SH   SOLE   6,882 0 0
Chevron Corporation Common Stock 166764100   3,070,432 20,849 SH   SOLE   10,129 0 10,720
Chubb Ltd Common Stock H1467J104   1,012,537 3,511 SH   SOLE   2,147 0 1,364
Cincinnati Financial Corp Common Stock 172062101   3,319,967 24,390 SH   SOLE   24,390 0 0
Cintas Corp. Common Stock 172908105   774,109 3,760 SH   SOLE   3,760 0 0
Cisco Systems Inc. Common Stock 17275R102   928,955 17,455 SH   SOLE   16,060 0 1,395
Coca-Cola Company Common Stock 191216100   1,005,537 13,993 SH   SOLE   11,884 0 2,109
Comcast Corp. Common Stock 20030N101   400,908 9,598 SH   SOLE   8,325 0 1,273
Conocophillips Common Stock 20825C104   217,508 2,066 SH   SOLE   1,790 0 276
Corning Inc. Common Stock 219350105   850,852 18,845 SH   SOLE   18,845 0 0
Costco Wholesale Corp Common Stock 22160K105   214,538 242 SH   SOLE   242 0 0
Cullen Frost Bankers Inc Common Stock 229899109   405,493 3,625 SH   SOLE   1,000 0 2,625
Cummins Inc. Common Stock 231021106   345,484 1,067 SH   SOLE   1,017 0 50
Danaher Corp. Common Stock 235851102   474,302 1,706 SH   SOLE   1,706 0 0
Deere & Co. Common Stock 244199105   1,047,498 2,510 SH   SOLE   1,784 0 726
Disney Walt Co. Common Stock 254687106   923,135 9,597 SH   SOLE   8,402 0 1,195
Dominion Energy Inc. Common Stock 25746U109   336,800 5,828 SH   SOLE   5,828 0 0
Duke Energy Holding Corp. Common Stock 26441C204   1,319,297 11,442 SH   SOLE   9,166 0 2,276
DuPont de Nemours Inc. Common Stock 26614N102   217,607 2,442 SH   SOLE   435 0 2,007
Eastman Chemical Company Common Stock 277432100   707,748 6,322 SH   SOLE   6,322 0 0
Eaton Corp. Int'l Common Stock G29183103   1,492,806 4,504 SH   SOLE   4,324 0 180
EBay Inc. Common Stock 278642103   234,266 3,598 SH   SOLE   3,598 0 0
Ecolab Inc. Common Stock 278865100   220,860 865 SH   SOLE   865 0 0
Eli Lilly Co. Common Stock 532457108   132,891 150 SH   OTR   150 0 0
Eli Lilly Co. Common Stock 532457108   1,684,172 1,901 SH   SOLE   1,901 0 0
Emerson Electric Co. Common Stock 291011104   1,008,282 9,219 SH   SOLE   8,904 0 315
Enbridge Inc. Int'l Common Stock 29250N105   559,159 13,769 SH   SOLE   10,061 0 3,708
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   480,705 5,475 SH   SOLE   5,475 0 0
EOG Resources Inc. Common Stock 26875P101   276,838 2,252 SH   SOLE   2,042 0 210
Exxon Mobil Corp. Common Stock 30231G102   2,009,502 17,143 SH   SOLE   8,641 0 8,502
Fed Ex Corp. Common Stock 31428X106   1,564,629 5,717 SH   SOLE   4,057 0 1,660
Fifth Third Bancorp Common Stock 316773100   689,638 16,098 SH   SOLE   15,379 0 719
First Financial Bancorp Common Stock 320209109   443,947 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   5,376,099 84,703 SH   SOLE   84,703 0 0
Fiserv Inc. Common Stock 337738108   307,202 1,710 SH   SOLE   1,710 0 0
FT Vest U.S. Equity Deep Buffer ETF - Oct Exchange Traded Fund 33740F672   1,363,503 34,935 SH   SOLE   34,935 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802   2,299,480 63,034 SH   SOLE   63,034 0 0
General Dynamics Corp. Common Stock 369550108   493,190 1,632 SH   SOLE   1,619 0 13
General Mills Inc. Common Stock 370334104   633,781 8,582 SH   SOLE   8,582 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   304,544 11,702 SH   SOLE   11,702 0 0
Grainger W W Inc. Common Stock 384802104   316,837 305 SH   SOLE   305 0 0
Graphic Packaging Holding Company Common Stock 388689101   997,745 33,719 SH   SOLE   33,719 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,252,183 8,130 SH   SOLE   430 0 7,700
Hershey Company Common Stock 427866108   1,652,760 8,618 SH   SOLE   218 0 8,400
Home Depot Inc. Common Stock 437076102   1,131,724 2,793 SH   SOLE   2,694 0 99
Honeywell International Inc. Common Stock 438516106   961,408 4,651 SH   SOLE   4,372 0 279
Illinois Tool Works Inc. Common Stock 452308109   725,672 2,769 SH   SOLE   1,719 0 1,050
Intel Corp. Common Stock 458140100   521,445 22,227 SH   SOLE   21,368 0 859
International Business Machines Corp. Common Stock 459200101   732,438 3,313 SH   SOLE   2,950 0 363
Interpublic Group of Companies Common Stock 460690100   317,882 10,050 SH   SOLE   10,050 0 0
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   956,617 1,960 SH   SOLE   1,960 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   8,890,098 49,621 SH   SOLE   49,621 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   89,580 500 SH   OTR   500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   305,077 3,669 SH   SOLE   3,669 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432   5,609,750 57,184 SH   SOLE   57,184 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556   239,512 1,645 SH   SOLE   1,645 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,475,506 2,558 SH   SOLE   2,558 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   2,371,642 23,419 SH   SOLE   23,419 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   493,074 5,400 SH   SOLE   5,400 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   261,273 4,551 SH   SOLE   4,551 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   17,286,436 221,479 SH   SOLE   221,479 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   1,178,100 11,000 SH   SOLE   11,000 0 0
IShares MSCI India ETF International Equity ETF 46429B598   3,111,572 53,162 SH   SOLE   53,162 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   649,215 2,065 SH   SOLE   2,065 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   415,369 1,107 SH   SOLE   8 0 1,099
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   339,132 1,720 SH   SOLE   1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   2,009,197 32,240 SH   SOLE   32,240 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,353,578 11,573 SH   SOLE   11,573 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   4,352,733 34,650 SH   SOLE   34,650 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   852,524 10,194 SH   SOLE   10,194 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   267,456 5,832 SH   SOLE   5,832 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   1,143,327 5,176 SH   SOLE   5,176 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   7,287,059 22,303 SH   SOLE   22,153 0 150
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   2,012,669 22,835 SH   SOLE   19,742 0 3,093
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   292,427 2,165 SH   SOLE   2,165 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   303,134 2,385 SH   SOLE   2,385 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   279,500 4,300 SH   SOLE   4,300 0 0
Johnson & Johnson Common Stock 478160104   2,263,168 13,965 SH   SOLE   12,104 0 1,861
JP Morgan Chase Co. Common Stock 46625H100   2,591,048 12,288 SH   SOLE   10,490 0 1,798
Juniper Networks Inc Common Stock 48203R104   430,729 11,050 SH   SOLE   11,050 0 0
Kroger Co. Common Stock 501044101   1,088,242 18,992 SH   SOLE   18,992 0 0
Lam Research Corp. Common Stock 512807108   1,680,309 2,059 SH   SOLE   2,059 0 0
LCNB Corp. Common Stock 50181P100   3,454,737 229,246 SH   SOLE   229,246 0 0
LCNB Corp. Common Stock 50181P100   4,156,909 275,840 SH   OTR   275,840 0 0
Lockheed Martin Corp. Common Stock 539830109   1,377,808 2,357 SH   SOLE   2,357 0 0
Lowes Co Inc. Common Stock 548661107   2,687,374 9,922 SH   SOLE   7,302 0 2,620
Marathon Petroleum Corp. Common Stock 56585A102   310,018 1,903 SH   SOLE   1,903 0 0
Mastercard Inc. Common Stock 57636Q104   1,083,397 2,194 SH   SOLE   1,274 0 920
McCormick Co Inc. Common Stock 579780206   382,119 4,643 SH   SOLE   4,143 0 500
McDonalds Corp. Common Stock 580135101   1,539,907 5,057 SH   SOLE   3,640 0 1,417
Medtronic PLC Int'l Common Stock G5960L103   676,665 7,516 SH   SOLE   7,516 0 0
Merck and Co Inc. Common Stock 58933Y105   2,175,015 19,153 SH   SOLE   18,341 0 812
Meta Platforms Inc Common Stock 30303M102   482,567 843 SH   SOLE   548 0 295
Microsoft Corp. Common Stock 594918104   10,251,438 23,824 SH   SOLE   17,828 0 5,996
Mondelez International Inc Common Stock 609207105   678,869 9,215 SH   SOLE   8,748 0 467
Morgan Stanley Common Stock 617446448   207,959 1,995 SH   SOLE   1,995 0 0
New Linde PLC Int'l Common Stock G54950103   787,773 1,652 SH   SOLE   160 0 1,492
NextEra Energy Inc. Common Stock 65339F101   777,761 9,201 SH   SOLE   9,201 0 0
Nike Inc. Common Stock 654106103   823,888 9,320 SH   SOLE   7,559 0 1,761
Norfolk Southern Corp. Common Stock 655844108   405,055 1,630 SH   SOLE   1,167 0 463
Novartis AG ADR Int'l Common Stock 66987V109   1,101,201 9,574 SH   SOLE   7,708 0 1,866
Nvidia Corp Common Stock 67066G104   4,521,818 37,235 SH   SOLE   17,235 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109   406,817 1,695 SH   SOLE   1,695 0 0
Omnicom Group Inc. Common Stock 681919106   237,797 2,300 SH   SOLE   2,300 0 0
Oracle Corporation Common Stock 68389X105   942,823 5,533 SH   SOLE   4,142 0 1,391
Pepsico Inc. Common Stock 713448108   2,580,339 15,174 SH   SOLE   7,080 0 8,094
Pfizer Inc. Common Stock 717081103   1,147,471 39,650 SH   SOLE   39,050 0 600
Phillips 66 Common Stock 718546104   430,104 3,272 SH   SOLE   3,272 0 0
PNC Financial Services Group Inc. Common Stock 693475105   386,891 2,093 SH   SOLE   1,928 0 165
Polaris Inc Common Stock 731068102   249,554 2,998 SH   SOLE   2,998 0 0
Procter & Gamble Co. Common Stock 742718109   277,120 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109   13,702,718 79,115 SH   SOLE   72,414 0 6,701
Prudential Financial Inc. Common Stock 744320102   640,498 5,289 SH   SOLE   5,289 0 0
RTX Corporation Common Stock 75513E101   852,288 7,034 SH   SOLE   4,544 0 2,490
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,055,492 19,681 SH   SOLE   19,508 0 173
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   597,627 7,070 SH   SOLE   7,070 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   13,774,888 132,222 SH   SOLE   132,222 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   12,848,109 159,862 SH   SOLE   159,862 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201   477,800 7,042 SH   SOLE   7,042 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508   212,710 2,560 SH   SOLE   2,560 0 0
Skyworks Solutions Inc Common Stock 83088M102   675,587 6,840 SH   SOLE   6,840 0 0
Southern Co. Common Stock 842587107   537,668 5,962 SH   SOLE   5,939 0 23
SPDR Gold TR Exchange Traded Fund 78463V107   1,429,679 5,882 SH   SOLE   5,445 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   5,820,221 10,144 SH   SOLE   9,739 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508   264,300 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   991,208 1,740 SH   SOLE   1,740 0 0
SPDR S&P Regional Banking ETF Exchange Traded Fund 78464A698   252,945 4,469 SH   SOLE   4,469 0 0
Starbucks Corp. Common Stock 855244109   1,020,038 10,463 SH   SOLE   10,463 0 0
Stryker Corp. Common Stock 863667101   351,145 972 SH   SOLE   972 0 0
Sysco Corp. Common Stock 871829107   431,203 5,524 SH   SOLE   5,249 0 275
T Rowe Price Group Inc. Common Stock 74144T108   239,101 2,195 SH   SOLE   2,195 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100   269,883 1,554 SH   SOLE   1,379 0 175
Target Corporation Common Stock 87612E106   296,757 1,904 SH   SOLE   1,651 0 253
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,661,710 11,790 SH   SOLE   1,440 0 10,350
Tesla Inc. Common Stock 88160R101   1,012,508 3,870 SH   SOLE   3,870 0 0
Texas Instruments Inc. Common Stock 882508104   316,672 1,533 SH   SOLE   1,132 0 401
TJX Companies Inc. Common Stock 872540109   1,978,903 16,836 SH   SOLE   9,204 0 7,632
Tractor Supply Co. Common Stock 892356106   302,567 1,040 SH   SOLE   1,040 0 0
U.S. Bancorp Common Stock 902973304   2,886,478 63,120 SH   SOLE   35,975 0 27,145
Union Pacific Corp. Common Stock 907818108   210,001 852 SH   SOLE   701 0 151
United Health Group Inc. Common Stock 91324P102   270,122 462 SH   SOLE   415 0 47
United Parcel Service Inc Common Stock 911312106   375,344 2,753 SH   SOLE   2,720 0 33
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   473,336 8,963 SH   SOLE   8,963 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   488,623 3,811 SH   SOLE   710 0 3,101
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,229,003 20,341 SH   SOLE   20,341 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858   224,608 4,694 SH   SOLE   4,150 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   391,041 4,814 SH   SOLE   4,814 0 0
Vanguard S&P 500 Index Fund Exchange Traded Fund 922908363   918,146 1,740 SH   SOLE   1,740 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   885,300 15,000 SH   SOLE   15,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   353,950 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   457,902 10,196 SH   SOLE   8,870 0 1,326
Verizon Communications Inc. Common Stock 92343V104   73,922 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   262,027 953 SH   SOLE   655 0 298
Walmart Inc. Common Stock 931142103   1,234,183 15,284 SH   SOLE   13,697 0 1,587
WEC Energy Group Inc. Common Stock 92939U106   218,425 2,271 SH   SOLE   2,171 0 100
Welltower Inc. Common Stock 95040Q104   461,420 3,604 SH   SOLE   3,604 0 0
Whirlpool Corp. Common Stock 963320106   427,465 3,995 SH   SOLE   3,995 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,953,692 25,479 SH   SOLE   25,479 0 0