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
Expires: July 31, 2015
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
ABBOTT LABORATORIES COMMON STOCK 002824100 434,551 3,195 SH DFND 1 3,195 0 0
ABBVIE INC COMMON STOCK 00287Y109 420,616 2,266 SH DFND 1 2,266 0 0
ABBVIE INC COMMON STOCK 00287Y109 36,195 195 SH OTR 1 195 0 0
ALPHABET INC COMMON STOCK 02079K305 689,235 3,911 SH DFND 1 3,911 0 0
AMAZON COM INC COMMON STOCK 023135106 1,776,399 8,097 SH DFND 1 8,097 0 0
AMAZON COM INC COMMON STOCK 023135106 7,898 36 SH OTR 1 36 0 0
APPLE INC COMMON STOCK 037833100 3,665,777 17,867 SH DFND 1 17,867 0 0
APPLE INC COMMON STOCK 037833100 111,817 545 SH OTR 1 545 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105 361,563 1,975 SH DFND 1 1,975 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105 59,498 325 SH OTR 1 325 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104 226,481 7,567 SH DFND 1 7,567 0 0
BANK OF AMERICA COMMON STOCK 060505104 966,843 20,432 SH DFND 1 20,432 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 182,802 3,949 SH DFND 1 3,949 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 40,272 870 SH OTR 1 870 0 0
BROADCOM INC COMMON STOCK 11135F101 489,555 1,776 SH DFND 1 1,776 0 0
BROADCOM INC COMMON STOCK 11135F101 50,445 183 SH OTR 1 183 0 0
CME GROUP INC COMMON STOCK 12572Q105 241,168 875 SH DFND 1 875 0 0
CSX CORP COMMON STOCK 126408103 586,624 17,978 SH DFND 1 17,978 0 0
CSX CORP COMMON STOCK 126408103 19,578 600 SH OTR 1 600 0 0
CHARTER COMMUNICATIONS INC NEW COMMON STOCK 16119P108 251,418 615 SH DFND 1 615 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 3,358,096 23,452 SH DFND 1 23,452 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 26,060 182 SH OTR 1 182 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 469,149 6,762 SH DFND 1 6,762 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 49,259 710 SH OTR 1 710 0 0
CINTAS CORPORATION COMMON STOCK 172908105 572,776 2,570 SH DFND 1 2,570 0 0
COCA COLA COMMON STOCK 191216100 212,109 2,998 SH DFND 1 2,998 0 0
COCA COLA COMMON STOCK 191216100 21,225 300 SH OTR 1 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 198,685 2,214 SH DFND 1 2,214 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 21,179 236 SH OTR 1 236 0 0
CORNING INC COMMON STOCK 219350105 302,393 5,750 SH DFND 1 5,640 0 110
CORNING INC COMMON STOCK 219350105 15,777 300 SH OTR 1 300 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 916,686 926 SH DFND 1 926 0 0
D R HORTON INC COMMON STOCK 23331A109 473,781 3,675 SH DFND 1 3,675 0 0
DEERE & CO COMMON STOCK 244199105 936,637 1,842 SH DFND 1 1,842 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807 1,626,983 37,987 SH DFND 1 37,987 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807 43,173 1,008 SH OTR 1 1,008 0 0
ESCALADE INC COMMON STOCK 296056104 938,422 67,126 SH DFND 1 67,126 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 1,495,079 13,869 SH DFND 1 13,869 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 113,190 1,050 SH OTR 1 1,050 0 0
META PLATFORMS INC COMMON STOCK 30303M102 2,483,677 3,365 SH DFND 1 3,365 0 0
FISERV COMMON STOCK 337738108 436,371 2,531 SH DFND 1 2,531 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107 208,064 2,809 SH DFND 1 2,809 0 0
GENUINE PARTS CO COMMON STOCK 372460105 236,554 1,950 SH DFND 1 1,950 0 0
HOME DEPOT INC COMMON STOCK 437076102 903,034 2,463 SH DFND 1 2,463 0 0
HOME DEPOT INC COMMON STOCK 437076102 64,162 175 SH OTR 1 175 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 245,688 1,055 SH DFND 1 1,055 0 0
IBM COMMON STOCK 459200101 459,564 1,559 SH DFND 1 1,559 0 0
IBM COMMON STOCK 459200101 198,977 675 SH OTR 1 675 0 0
INVESCO MUTUAL FUNDS - 46090E103 691,757 1,254 SH DFND 1 1,254 0 0
ISHARES MUTUAL FUNDS - 464287200 16,271,929 26,207 SH DFND 1 26,207 0 0
ISHARES MUTUAL FUNDS - 464287200 264,503 426 SH OTR 1 426 0 0
ISHARES MUTUAL FUNDS - 464287309 10,345,553 93,965 SH DFND 1 93,965 0 0
ISHARES MUTUAL FUNDS - 464287309 436,107 3,961 SH OTR 1 3,961 0 0
ISHARES MUTUAL FUNDS - 464287408 4,733,274 24,221 SH DFND 1 24,221 0 0
ISHARES MUTUAL FUNDS - 464287408 46,901 240 SH OTR 1 240 0 0
ISHARES MUTUAL FUNDS - 464287457 3,559,252 42,955 SH DFND 1 42,916 0 39
ISHARES MUTUAL FUNDS - 464287457 18,726 226 SH OTR 1 226 0 0
ISHARES MUTUAL FUNDS - 464287465 752,039 8,413 SH DFND 1 8,413 0 0
ISHARES MUTUAL FUNDS - 464287499 1,692,525 18,403 SH DFND 1 18,403 0 0
ISHARES MUTUAL FUNDS - 464287499 72,840 792 SH OTR 1 792 0 0
ISHARES MUTUAL FUNDS - 464287507 8,406,068 135,538 SH DFND 1 135,538 0 0
ISHARES MUTUAL FUNDS - 464287614 528,604 1,245 SH DFND 1 1,245 0 0
ISHARES MUTUAL FUNDS - 464287622 4,413,731 12,998 SH DFND 1 12,998 0 0
ISHARES MUTUAL FUNDS - 464287655 229,169 1,062 SH DFND 1 1,062 0 0
ISHARES MUTUAL FUNDS - 464287721 269,261 1,554 SH DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721 64,456 372 SH OTR 1 372 0 0
ISHARES MUTUAL FUNDS - 464287804 4,264,826 39,023 SH DFND 1 39,023 0 0
ISHARES MUTUAL FUNDS - 464287804 16,503 151 SH OTR 1 151 0 0
ISHARES MUTUAL FUNDS - 464288513 241,950 3,000 SH OTR 1 3,000 0 0
ISHARES MUTUAL FUNDS - 464288638 4,330,132 81,256 SH DFND 1 81,256 0 0
ISHARES MUTUAL FUNDS - 464288638 28,990 544 SH OTR 1 544 0 0
ISHARES MUTUAL FUNDS - 464288646 1,255,101 23,789 SH DFND 1 23,789 0 0
ISHARES MUTUAL FUNDS - 464288646 10,288 195 SH OTR 1 195 0 0
ISHARES MUTUAL FUNDS - 464288661 366,202 3,075 SH DFND 1 3,075 0 0
ISHARES MUTUAL FUNDS - 464288661 475,645 3,994 SH OTR 1 3,994 0 0
ISHARES MUTUAL FUNDS - 46431W838 248,082 4,935 SH DFND 1 4,935 0 0
ISHARES MUTUAL FUNDS - 46432F842 920,033 11,021 SH DFND 1 11,021 0 0
ISHARES MUTUAL FUNDS - 46432F842 74,882 897 SH OTR 1 897 0 0
ISHARES MUTUAL FUNDS - 46432F859 3,789,308 77,889 SH DFND 1 77,889 0 0
ISHARES MUTUAL FUNDS - 46432F859 29,336 603 SH OTR 1 603 0 0
ISHARES MUTUAL FUNDS - 46435U861 1,640,533 32,602 SH DFND 1 32,602 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,770,964 9,558 SH DFND 1 9,527 0 31
JP MORGAN CHASE & CO COMMON STOCK 46625H100 89,873 310 SH OTR 1 310 0 0
JP MORGAN MUTUAL FUNDS - 46641Q159 2,170,971 46,869 SH DFND 1 46,869 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 336,664 2,204 SH DFND 1 2,204 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 51,936 340 SH OTR 1 340 0 0
KROGER CO COMMON STOCK 501044101 432,747 6,033 SH DFND 1 6,033 0 0
LENNOX INTL COMMON STOCK 526107107 1,297,815 2,264 SH DFND 1 2,264 0 0
ELI LILLY & CO COMMON STOCK 532457108 576,075 739 SH DFND 1 739 0 0
LOWES COMPANY COMMON STOCK 548661107 607,259 2,737 SH DFND 1 2,737 0 0
MCDONALDS COMMON STOCK 580135101 702,963 2,406 SH DFND 1 2,406 0 0
MCDONALDS COMMON STOCK 580135101 51,130 175 SH OTR 1 175 0 0
MERCK & CO COMMON STOCK 58933Y105 532,824 6,731 SH DFND 1 6,731 0 0
MERCK & CO COMMON STOCK 58933Y105 95,862 1,211 SH OTR 1 1,211 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,821,309 5,672 SH DFND 1 5,672 0 0
MICROSOFT CORP COMMON STOCK 594918104 114,404 230 SH OTR 1 230 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103 811,601 6,585 SH DFND 1 6,585 0 0
MORGAN STANLEY COMMON STOCK 617446448 696,556 4,945 SH DFND 1 4,945 0 0
NETFLIX COM INC COMMON STOCK 64110L106 303,983 227 SH DFND 1 227 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 220,411 3,175 SH DFND 1 3,175 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 2,234,454 14,143 SH DFND 1 14,143 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 9,795 62 SH OTR 1 62 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,726,960 7,899 SH DFND 1 7,899 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 230,913 2,030 SH DFND 1 2,030 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101 17,289,725 566,134 SH DFND 1 12,503 553,631 0
PEOPLES BANCORP INC COMMON STOCK 709789101 3,054 100 SH OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108 316,105 2,394 SH DFND 1 2,394 0 0
PEPSICO INC COMMON STOCK 713448108 25,352 192 SH OTR 1 192 0 0
PHILLIPS 66 COMMON STOCK 718546104 722,244 6,054 SH DFND 1 6,054 0 0
PHILLIPS 66 COMMON STOCK 718546104 28,036 235 SH OTR 1 235 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,637,383 16,554 SH DFND 1 16,554 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 67,552 424 SH OTR 1 424 0 0
PROGRESSIVE CORP COMMON STOCK 743315103 214,556 804 SH DFND 1 804 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 253,450 2,359 SH DFND 1 2,359 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 20,414 190 SH OTR 1 190 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 267,656 1,833 SH DFND 1 1,833 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 14,602 100 SH OTR 1 100 0 0
SPDR MUTUAL FUNDS - 78462F103 6,470,128 10,472 SH DFND 1 10,472 0 0
SPDR MUTUAL FUNDS - 78464A763 801,893 5,908 SH DFND 1 5,908 0 0
SPDR MUTUAL FUNDS - 78464A763 66,915 493 SH OTR 1 493 0 0
SPDR MUTUAL FUNDS - 78468R408 231,715 9,094 SH OTR 1 9,094 0 0
SCHWAB MUTUAL FUNDS - 808524797 303,668 11,459 SH DFND 1 11,459 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106 358,467 1,044 SH DFND 1 1,044 0 0
STRYKER COMMON STOCK 863667101 413,434 1,045 SH DFND 1 1,045 0 0
TAIWAN SEMICONDUCT MANU CORP COMMON STOCK 874039100 717,520 3,168 SH DFND 1 3,168 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 636,169 2,765 SH DFND 1 2,765 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 38,193 166 SH OTR 1 166 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107 256,614 7,044 SH DFND 1 7,044 0 0
VANGUARD MUTUAL FUNDS - 921937827 211,310 2,685 SH DFND 1 2,685 0 0
VANGUARD MUTUAL FUNDS - 921943858 3,510,450 61,576 SH DFND 1 61,576 0 0
VANGUARD MUTUAL FUNDS - 92204A702 652,668 984 SH DFND 1 984 0 0
VANGUARD MUTUAL FUNDS - 92206C706 6,111,450 102,181 SH DFND 1 102,181 0 0
VANGUARD MUTUAL FUNDS - 92206C706 40,671 680 SH OTR 1 680 0 0
VANGUARD MUTUAL FUNDS - 922907746 296,190 6,041 SH DFND 1 6,041 0 0
VANGUARD MUTUAL FUNDS - 922908744 79,003 447 SH DFND 1 447 0 0
VANGUARD MUTUAL FUNDS - 922908744 196,182 1,110 SH OTR 1 1,110 0 0
VANGUARD MUTUAL FUNDS - 922908769 386,903 1,273 SH DFND 1 1,273 0 0
VISA INC COMMON STOCK 92826C839 398,722 1,123 SH DFND 1 1,123 0 0
WAL MART STORES INC COMMON STOCK 931142103 195,756 2,002 SH DFND 1 2,002 0 0
WAL MART STORES INC COMMON STOCK 931142103 58,668 600 SH OTR 1 600 0 0
LINDE PLC FOREIGN STOCK G54950103 355,169 757 SH DFND 1 757 0 0
JBS N. V. COM EURO FOREIGN STOCK N4732M103 182,625 12,500 SH DFND 1 12,500 0 0