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   484,733 3,755 SH   SOLE   3,755 0 0
Abbott Laboratories Common Stock 002824100   1,791,323 15,837 SH   SOLE   9,968 0 5,869
Abbvie Inc. Common Stock 00287Y109   1,297,115 7,299 SH   SOLE   3,770 0 3,529
Accenture PLC Int'l Common Stock G1151C101   1,384,997 3,937 SH   SOLE   2,206 0 1,731
Air Products & Chemicals Inc Common Stock 009158106   259,006 893 SH   SOLE   801 0 92
Alphabet Inc. Common Stock 02079K107   4,351,689 22,851 SH   SOLE   17,663 0 5,188
Alphabet Inc. Common Stock 02079K305   4,115,571 21,741 SH   SOLE   18,652 0 3,089
Amazon.com Inc Common Stock 023135106   2,546,679 11,608 SH   SOLE   11,608 0 0
American Express Co. Common Stock 025816109   468,928 1,580 SH   SOLE   1,368 0 212
Amgen Inc. Common Stock 031162100   1,847,938 7,090 SH   SOLE   4,727 0 2,363
Analog Devices Inc. Common Stock 032654105   740,211 3,484 SH   SOLE   1,792 0 1,692
Apple Inc. Common Stock 037833100   8,272,374 33,034 SH   SOLE   21,702 0 11,332
Applied Materials Common Stock 038222105   266,713 1,640 SH   SOLE   1,640 0 0
Automatic Data Processing Common Stock 053015103   1,432,035 4,892 SH   SOLE   3,040 0 1,852
Bank of America Corp. Common Stock 060505104   388,166 8,832 SH   SOLE   8,832 0 0
Becton Dickinson and Co. Common Stock 075887109   679,476 2,995 SH   SOLE   2,995 0 0
Berkshire Hathaway Inc. Common Stock 084670702   2,060,158 4,545 SH   SOLE   1,874 0 2,671
BlackRock, Inc. Common Stock 09290D101   396,718 387 SH   SOLE   334 0 53
Blackstone Inc. Common Stock 09260D107   1,092,453 6,336 SH   SOLE   6,336 0 0
Block Inc Common Stock 852234103   831,627 9,785 SH   SOLE   9,785 0 0
Boeing Co. Common Stock 097023105   589,764 3,332 SH   SOLE   2,882 0 450
Booking Holdings Inc. Common Stock 09857L108   367,663 74 SH   SOLE   74 0 0
Bristol-Myers Squibb Co Common Stock 110122108   271,488 4,800 SH   SOLE   4,800 0 0
Broadcom Ltd. Common Stock 11135F101   5,326,524 22,975 SH   SOLE   22,975 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209   277,414 2,685 SH   SOLE   2,685 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108   296,428 4,096 SH   SOLE   1,917 0 2,179
Cardinal Health Inc. Common Stock 14149Y108   610,273 5,160 SH   SOLE   5,160 0 0
Caterpillar Inc. Common Stock 149123101   717,177 1,977 SH   SOLE   1,977 0 0
Charles Schwab Corp. Common Stock 808513105   496,533 6,709 SH   SOLE   6,709 0 0
Chevron Corporation Common Stock 166764100   3,039,323 20,984 SH   SOLE   10,264 0 10,720
Chubb Ltd Common Stock H1467J104   970,089 3,511 SH   SOLE   2,147 0 1,364
Cincinnati Financial Corp Common Stock 172062101   3,441,184 23,947 SH   SOLE   23,947 0 0
Cintas Corp. Common Stock 172908105   686,952 3,760 SH   SOLE   3,760 0 0
Cisco Systems Inc. Common Stock 17275R102   1,009,656 17,055 SH   SOLE   15,660 0 1,395
Coca-Cola Company Common Stock 191216100   860,994 13,829 SH   SOLE   11,720 0 2,109
Comcast Corp. Common Stock 20030N101   360,213 9,598 SH   SOLE   8,325 0 1,273
Conocophillips Common Stock 20825C104   211,232 2,130 SH   SOLE   1,854 0 276
Corning Inc. Common Stock 219350105   895,514 18,845 SH   SOLE   18,845 0 0
Costco Wholesale Corp Common Stock 22160K105   227,235 248 SH   SOLE   248 0 0
Cullen Frost Bankers Inc Common Stock 229899109   486,656 3,625 SH   SOLE   1,000 0 2,625
Cummins Inc. Common Stock 231021106   371,956 1,067 SH   SOLE   1,017 0 50
Danaher Corp. Common Stock 235851102   385,874 1,681 SH   SOLE   1,681 0 0
Deere & Co. Common Stock 244199105   1,066,453 2,517 SH   SOLE   1,791 0 726
Disney Walt Co. Common Stock 254687106   979,657 8,798 SH   SOLE   8,373 0 425
Dominion Energy Inc. Common Stock 25746U109   313,896 5,828 SH   SOLE   5,828 0 0
Duke Energy Holding Corp. Common Stock 26441C204   1,232,793 11,442 SH   SOLE   9,166 0 2,276
Eastman Chemical Company Common Stock 277432100   581,891 6,372 SH   SOLE   6,372 0 0
Eaton Corp. Int'l Common Stock G29183103   1,482,131 4,466 SH   SOLE   4,286 0 180
EBay Inc. Common Stock 278642103   222,896 3,598 SH   SOLE   3,598 0 0
Ecolab Inc. Common Stock 278865100   202,687 865 SH   SOLE   865 0 0
Eli Lilly Co. Common Stock 532457108   115,800 150 SH   OTR   150 0 0
Eli Lilly Co. Common Stock 532457108   1,433,604 1,857 SH   SOLE   1,857 0 0
Emerson Electric Co. Common Stock 291011104   1,130,118 9,119 SH   SOLE   8,804 0 315
Enbridge Inc. Int'l Common Stock 29250N105   580,400 13,679 SH   SOLE   9,971 0 3,708
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506   445,432 5,200 SH   SOLE   5,200 0 0
EOG Resources Inc. Common Stock 26875P101   299,463 2,443 SH   SOLE   2,233 0 210
Exxon Mobil Corp. Common Stock 30231G102   1,853,324 17,229 SH   SOLE   8,727 0 8,502
FactSet Research Systems Inc. Common Stock 303075105   207,001 431 SH   SOLE   431 0 0
Fed Ex Corp. Common Stock 31428X106   1,586,420 5,639 SH   SOLE   3,979 0 1,660
Fifth Third Bancorp Common Stock 316773100   680,623 16,098 SH   SOLE   15,379 0 719
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605   323,908 6,702 SH   SOLE   6,702 0 0
First Financial Bancorp Common Stock 320209109   472,980 17,596 SH   SOLE   17,596 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103   2,862,669 43,499 SH   SOLE   43,499 0 0
Fiserv Inc. Common Stock 337738108   332,164 1,617 SH   SOLE   1,617 0 0
FT Vest U.S. Equity Deep Buffer ETF - Oct Exchange Traded Fund 33740F672   4,475,463 113,677 SH   SOLE   113,677 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802   2,435,460 65,453 SH   SOLE   65,453 0 0
General Dynamics Corp. Common Stock 369550108   430,016 1,632 SH   SOLE   1,619 0 13
General Mills Inc. Common Stock 370334104   547,274 8,582 SH   SOLE   8,582 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103   303,491 11,702 SH   SOLE   11,702 0 0
Grainger W W Inc. Common Stock 384802104   321,485 305 SH   SOLE   305 0 0
Graphic Packaging Holding Company Common Stock 388689101   915,808 33,719 SH   SOLE   33,719 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209   1,118,444 8,130 SH   SOLE   430 0 7,700
Hershey Company Common Stock 427866108   1,459,458 8,618 SH   SOLE   218 0 8,400
Home Depot Inc. Common Stock 437076102   1,079,447 2,775 SH   SOLE   2,680 0 95
Honeywell International Inc. Common Stock 438516106   1,030,962 4,564 SH   SOLE   4,285 0 279
Illinois Tool Works Inc. Common Stock 452308109   702,108 2,769 SH   SOLE   1,719 0 1,050
Intel Corp. Common Stock 458140100   430,173 21,455 SH   SOLE   20,634 0 821
International Business Machines Corp. Common Stock 459200101   706,314 3,213 SH   SOLE   2,850 0 363
Interpublic Group of Companies Common Stock 460690100   220,377 7,865 SH   SOLE   7,865 0 0
Invesco QQQ Trust Series Exchange Traded Fund 46090E103   1,002,011 1,960 SH   SOLE   1,960 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   87,615 500 SH   OTR   500 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   8,274,010 47,218 SH   SOLE   47,218 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457   300,785 3,669 SH   SOLE   3,669 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432   777,237 8,900 SH   SOLE   8,900 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556   217,485 1,645 SH   SOLE   1,645 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   1,489,360 2,530 SH   SOLE   2,530 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226   2,289,069 23,623 SH   SOLE   23,623 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697   479,466 5,400 SH   SOLE   5,400 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103   240,160 4,599 SH   SOLE   4,599 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842   15,687,831 223,219 SH   SOLE   223,219 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612   1,250,760 12,000 SH   SOLE   12,000 0 0
IShares MSCI India ETF International Equity ETF 46429B598   2,853,878 54,215 SH   SOLE   54,215 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   600,828 1,865 SH   SOLE   1,865 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   438,336 1,092 SH   SOLE   8 0 1,084
IShares S&P 500 Value ETF Exchange Traded Fund 464287408   328,314 1,720 SH   SOLE   1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507   1,959,026 31,440 SH   SOLE   31,440 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804   1,448,661 12,573 SH   SOLE   12,573 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150   4,328,063 33,650 SH   SOLE   33,650 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465   797,837 10,552 SH   SOLE   10,552 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234   239,712 5,732 SH   SOLE   5,732 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655   1,157,388 5,238 SH   SOLE   5,238 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689   7,446,422 22,278 SH   SOLE   22,128 0 150
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499   1,996,153 22,581 SH   SOLE   19,593 0 2,988
IShares TR Select Dividend ETF Exchange Traded Fund 464287168   257,985 1,965 SH   SOLE   1,965 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752   246,585 2,385 SH   SOLE   2,385 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762   233,080 4,000 SH   SOLE   4,000 0 0
Johnson & Johnson Common Stock 478160104   2,006,602 13,875 SH   SOLE   12,014 0 1,861
JP Morgan Chase Co. Common Stock 46625H100   2,884,670 12,034 SH   SOLE   10,236 0 1,798
Juniper Networks Inc Common Stock 48203R104   413,823 11,050 SH   SOLE   11,050 0 0
Kroger Co. Common Stock 501044101   1,100,211 17,992 SH   SOLE   17,992 0 0
Lam Research Corporation Common Stock 512807306   1,479,993 20,490 SH   SOLE   20,490 0 0
LCNB Corp. Common Stock 50181P100   4,173,459 275,840 SH   OTR   275,840 0 0
LCNB Corp. Common Stock 50181P100   3,460,564 228,722 SH   SOLE   228,722 0 0
Lockheed Martin Corp. Common Stock 539830109   1,133,212 2,332 SH   SOLE   2,332 0 0
Lowes Co Inc. Common Stock 548661107   2,302,397 9,329 SH   SOLE   7,289 0 2,040
Marathon Petroleum Corp. Common Stock 56585A102   265,469 1,903 SH   SOLE   1,903 0 0
Mastercard Inc. Common Stock 57636Q104   1,167,406 2,217 SH   SOLE   1,297 0 920
McCormick Co Inc. Common Stock 579780206   353,982 4,643 SH   SOLE   4,143 0 500
McDonalds Corp. Common Stock 580135101   1,471,192 5,075 SH   SOLE   3,658 0 1,417
Medtronic PLC Int'l Common Stock G5960L103   600,378 7,516 SH   SOLE   7,516 0 0
Merck and Co Inc. Common Stock 58933Y105   1,974,976 19,853 SH   SOLE   19,041 0 812
Meta Platforms Inc Common Stock 30303M102   511,736 874 SH   SOLE   579 0 295
Microsoft Corp. Common Stock 594918104   10,049,808 23,843 SH   SOLE   17,853 0 5,990
Mondelez International Inc Common Stock 609207105   552,323 9,247 SH   SOLE   8,797 0 450
Morgan Stanley Common Stock 617446448   257,726 2,050 SH   SOLE   2,050 0 0
New Linde PLC Int'l Common Stock G54950103   699,179 1,670 SH   SOLE   178 0 1,492
NextEra Energy Inc. Common Stock 65339F101   652,953 9,108 SH   SOLE   9,108 0 0
Nike Inc. Common Stock 654106103   699,418 9,243 SH   SOLE   7,509 0 1,734
Norfolk Southern Corp. Common Stock 655844108   351,581 1,498 SH   SOLE   1,235 0 263
Novartis AG ADR Int'l Common Stock 66987V109   931,646 9,574 SH   SOLE   7,708 0 1,866
Nvidia Corp Common Stock 67066G104   5,001,900 37,247 SH   SOLE   17,247 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109   366,024 1,761 SH   SOLE   1,761 0 0
Omnicom Group Inc. Common Stock 681919106   209,507 2,435 SH   SOLE   2,435 0 0
Oracle Corporation Common Stock 68389X105   905,355 5,433 SH   SOLE   4,042 0 1,391
Pepsico Inc. Common Stock 713448108   2,304,317 15,154 SH   SOLE   7,060 0 8,094
Pfizer Inc. Common Stock 717081103   1,058,547 39,900 SH   SOLE   39,300 0 600
Phillips 66 Common Stock 718546104   372,779 3,272 SH   SOLE   3,272 0 0
PNC Financial Services Group Inc. Common Stock 693475105   398,042 2,064 SH   SOLE   1,913 0 151
Procter & Gamble Co. Common Stock 742718109   268,240 1,600 SH   OTR   1,600 0 0
Procter & Gamble Co. Common Stock 742718109   13,193,217 78,695 SH   SOLE   72,004 0 6,691
Prudential Financial Inc. Common Stock 744320102   618,015 5,214 SH   SOLE   5,214 0 0
RTX Corporation Common Stock 75513E101   814,021 7,034 SH   SOLE   4,544 0 2,490
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870   1,016,720 39,362 SH   SOLE   39,016 0 346
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   605,411 22,160 SH   SOLE   22,160 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300   14,719,986 528,166 SH   SOLE   528,166 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409   12,345,970 473,570 SH   SOLE   473,570 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201   489,701 21,126 SH   SOLE   21,126 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508   212,813 7,680 SH   SOLE   7,680 0 0
Skyworks Solutions Inc Common Stock 83088M102   640,270 7,220 SH   SOLE   7,220 0 0
Southern Co. Common Stock 842587107   495,333 6,017 SH   SOLE   5,994 0 23
SPDR Gold TR Exchange Traded Fund 78463V107   1,412,102 5,832 SH   SOLE   5,395 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103   5,908,859 10,082 SH   SOLE   9,677 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508   255,700 5,000 SH   OTR   5,000 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107   965,438 1,695 SH   SOLE   1,695 0 0
Starbucks Corp. Common Stock 855244109   927,374 10,163 SH   SOLE   10,163 0 0
Stryker Corp. Common Stock 863667101   353,929 983 SH   SOLE   983 0 0
Sysco Corp. Common Stock 871829107   444,921 5,819 SH   SOLE   5,544 0 275
T Rowe Price Group Inc. Common Stock 74144T108   282,160 2,495 SH   SOLE   2,495 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100   287,150 1,454 SH   SOLE   1,279 0 175
Target Corporation Common Stock 87612E106   247,920 1,834 SH   SOLE   1,581 0 253
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803   2,741,411 11,790 SH   SOLE   1,440 0 10,350
Tesla Inc. Common Stock 88160R101   1,159,021 2,870 SH   SOLE   2,870 0 0
Texas Instruments Inc. Common Stock 882508104   292,891 1,562 SH   SOLE   1,161 0 401
TJX Companies Inc. Common Stock 872540109   1,889,106 15,637 SH   SOLE   9,080 0 6,557
Tractor Supply Co. Common Stock 892356106   275,912 5,200 SH   SOLE   5,200 0 0
U.S. Bancorp Common Stock 902973304   3,019,030 63,120 SH   SOLE   35,975 0 27,145
United Health Group Inc. Common Stock 91324P102   244,330 483 SH   SOLE   436 0 47
United Parcel Service Inc Common Stock 911312106   317,772 2,520 SH   SOLE   2,520 0 0
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858   432,006 9,034 SH   SOLE   9,034 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406   486,298 3,811 SH   SOLE   710 0 3,101
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706   1,236,908 21,326 SH   SOLE   21,326 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858   210,247 4,774 SH   SOLE   4,230 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813   373,003 4,988 SH   SOLE   4,988 0 0
Vanguard S&P 500 Index Fund Exchange Traded Fund 922908363   937,529 1,740 SH   SOLE   1,740 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102   872,700 15,000 SH   SOLE   15,000 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769   362,263 1,250 SH   SOLE   1,250 0 0
Verizon Communications Inc. Common Stock 92343V104   407,218 10,183 SH   SOLE   8,857 0 1,326
Verizon Communications Inc. Common Stock 92343V104   65,824 1,646 SH   OTR   1,646 0 0
Visa Inc Common Stock 92826C839   301,186 953 SH   SOLE   655 0 298
Walmart Inc. Common Stock 931142103   1,380,909 15,284 SH   SOLE   13,697 0 1,587
WEC Energy Group Inc. Common Stock 92939U106   213,565 2,271 SH   SOLE   2,171 0 100
Welltower Inc. Common Stock 95040Q104   454,212 3,604 SH   SOLE   3,604 0 0
Whirlpool Corp. Common Stock 963320106   457,348 3,995 SH   SOLE   3,995 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109   1,905,431 25,117 SH   SOLE   25,117 0 0