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 628,903 4,131 SH SOLE 4,131 0 0
Abbott Laboratories Common Stock 002824100 2,160,791 15,887 SH SOLE 10,048 0 5,839
Abbvie Inc. Common Stock 00287Y109 1,388,895 7,482 SH SOLE 3,953 0 3,529
Accenture PLC Int'l Common Stock G1151C101 1,478,310 4,946 SH SOLE 3,215 0 1,731
Air Products & Chemicals Inc Common Stock 009158106 291,368 1,033 SH SOLE 941 0 92
Alphabet Inc. Common Stock 02079K107 4,072,165 22,956 SH SOLE 17,796 0 5,160
Alphabet Inc. Common Stock 02079K305 3,730,084 21,166 SH SOLE 18,096 0 3,070
Amazon.com Inc Common Stock 023135106 2,565,985 11,696 SH SOLE 11,696 0 0
American Express Co. Common Stock 025816109 475,918 1,492 SH SOLE 1,280 0 212
Amgen Inc. Common Stock 031162100 1,984,345 7,107 SH SOLE 4,864 0 2,243
Analog Devices Inc. Common Stock 032654105 833,308 3,501 SH SOLE 1,809 0 1,692
Apple Inc. Common Stock 037833100 6,745,374 32,877 SH SOLE 21,766 0 11,111
Applied Materials Common Stock 038222105 298,038 1,628 SH SOLE 1,628 0 0
Automatic Data Processing Common Stock 053015103 1,738,142 5,636 SH SOLE 3,824 0 1,812
Bank of America Corp. Common Stock 060505104 446,464 9,435 SH SOLE 9,435 0 0
Becton Dickinson and Co. Common Stock 075887109 530,013 3,077 SH SOLE 3,077 0 0
Berkshire Hathaway Inc. Common Stock 084670702 2,287,977 4,710 SH SOLE 2,212 0 2,498
BlackRock, Inc. Common Stock 09290D101 442,784 422 SH SOLE 369 0 53
Blackstone Inc. Common Stock 09260D107 990,369 6,621 SH SOLE 6,621 0 0
Block Inc Common Stock 852234103 664,695 9,785 SH SOLE 9,785 0 0
Boeing Co. Common Stock 097023105 447,137 2,134 SH SOLE 1,684 0 450
Booking Holdings Inc. Common Stock 09857L108 428,404 74 SH SOLE 74 0 0
Bristol-Myers Squibb Co Common Stock 110122108 222,192 4,800 SH SOLE 4,800 0 0
Broadcom Ltd. Common Stock 11135F101 5,977,470 21,685 SH SOLE 21,685 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209 254,268 2,650 SH SOLE 2,650 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108 324,690 4,096 SH SOLE 1,917 0 2,179
Capital One Financial Corp. Common Stock 14040H105 213,398 1,003 SH SOLE 890 0 113
Cardinal Health Inc. Common Stock 14149Y108 808,080 4,810 SH SOLE 4,810 0 0
Caterpillar Inc. Common Stock 149123101 625,795 1,612 SH SOLE 1,612 0 0
Charles Schwab Corp. Common Stock 808513105 694,245 7,609 SH SOLE 7,609 0 0
Chevron Corporation Common Stock 166764100 3,123,403 21,813 SH SOLE 11,093 0 10,720
Chubb Ltd Common Stock H1467J104 1,053,132 3,635 SH SOLE 2,271 0 1,364
Cincinnati Financial Corp Common Stock 172062101 3,467,751 23,286 SH SOLE 23,286 0 0
Cintas Corp. Common Stock 172908105 824,619 3,700 SH SOLE 3,700 0 0
Cisco Systems Inc. Common Stock 17275R102 1,183,207 17,054 SH SOLE 15,659 0 1,395
Coca-Cola Company Common Stock 191216100 1,015,192 14,349 SH SOLE 12,376 0 1,973
Colgate Palmolive Co. Common Stock 194162103 204,071 2,245 SH SOLE 2,245 0 0
Comcast Corp. Common Stock 20030N101 451,122 12,640 SH SOLE 11,487 0 1,153
Corning Inc. Common Stock 219350105 996,318 18,945 SH SOLE 18,945 0 0
Costco Wholesale Corp Common Stock 22160K105 240,555 243 SH SOLE 243 0 0
Cullen Frost Bankers Inc Common Stock 229899109 465,958 3,625 SH SOLE 1,000 0 2,625
Cummins Inc. Common Stock 231021106 390,380 1,192 SH SOLE 1,142 0 50
Danaher Corp. Common Stock 235851102 360,906 1,827 SH SOLE 1,827 0 0
Deere & Co. Common Stock 244199105 1,307,836 2,572 SH SOLE 1,846 0 726
Disney Walt Co. Common Stock 254687106 1,128,863 9,103 SH SOLE 8,678 0 425
Dominion Energy Inc. Common Stock 25746U109 357,828 6,331 SH SOLE 6,331 0 0
Duke Energy Holding Corp. Common Stock 26441C204 1,351,371 11,452 SH SOLE 9,176 0 2,276
Eastman Chemical Company Common Stock 277432100 542,330 7,264 SH SOLE 7,264 0 0
Eaton Corp. Int'l Common Stock G29183103 1,528,274 4,281 SH SOLE 4,101 0 180
EBay Inc. Common Stock 278642103 266,492 3,579 SH SOLE 3,579 0 0
Ecolab Inc. Common Stock 278865100 233,066 865 SH SOLE 865 0 0
Eli Lilly Co. Common Stock 532457108 58,465 75 SH OTR 75 0 0
Eli Lilly Co. Common Stock 532457108 1,379,768 1,770 SH SOLE 1,770 0 0
Emerson Electric Co. Common Stock 291011104 1,235,302 9,265 SH SOLE 8,950 0 315
Enbridge Inc. Int'l Common Stock 29250N105 640,870 14,141 SH SOLE 10,433 0 3,708
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506 505,383 5,959 SH SOLE 5,959 0 0
EOG Resources Inc. Common Stock 26875P101 294,001 2,458 SH SOLE 2,248 0 210
Exxon Mobil Corp. Common Stock 30231G102 2,090,997 19,397 SH SOLE 10,895 0 8,502
Fed Ex Corp. Common Stock 31428X106 877,417 3,860 SH SOLE 3,830 0 30
Fifth Third Bancorp Common Stock 316773100 619,952 15,073 SH SOLE 14,354 0 719
Financial Select Sector SPDR TR Exchange Traded Fund 81369Y605 560,464 10,702 SH SOLE 10,702 0 0
First Financial Bancorp Common Stock 320209109 408,684 16,846 SH SOLE 16,846 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103 3,062,865 46,211 SH SOLE 46,211 0 0
Fiserv Inc. Common Stock 337738108 273,270 1,585 SH SOLE 1,585 0 0
FT Vest U.S. Equity Deep Buffer ETF - Oct Exchange Traded Fund 33740F672 4,742,391 115,476 SH SOLE 115,476 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802 1,205,769 31,978 SH SOLE 31,978 0 0
GE Aerospace Common Stock 369604301 320,965 1,247 SH SOLE 1,122 0 125
General Dynamics Corp. Common Stock 369550108 510,113 1,749 SH SOLE 1,736 0 13
General Mills Inc. Common Stock 370334104 423,080 8,166 SH SOLE 8,166 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 335,035 10,252 SH SOLE 10,252 0 0
Grainger W W Inc. Common Stock 384802104 317,273 305 SH SOLE 305 0 0
Graphic Packaging Holding Company Common Stock 388689101 717,518 34,054 SH SOLE 34,054 0 0
Health Care Select Sector SPDR TR Exchange Traded Fund 81369Y209 1,095,843 8,130 SH SOLE 430 0 7,700
Hershey Company Common Stock 427866108 1,393,980 8,400 SH SOLE 0 0 8,400
Home Depot Inc. Common Stock 437076102 1,340,802 3,657 SH SOLE 3,562 0 95
Honeywell International Inc. Common Stock 438516106 1,020,480 4,382 SH SOLE 4,207 0 175
Illinois Tool Works Inc. Common Stock 452308109 709,608 2,870 SH SOLE 1,820 0 1,050
Intel Corp. Common Stock 458140100 432,141 19,292 SH SOLE 18,700 0 592
International Business Machines Corp. Common Stock 459200101 1,268,438 4,303 SH SOLE 3,940 0 363
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 1,081,214 1,960 SH SOLE 1,960 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 2,668,670 14,684 SH SOLE 14,684 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 90,870 500 SH OTR 500 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457 299,787 3,618 SH SOLE 3,618 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432 741,300 8,400 SH SOLE 8,400 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556 208,109 1,645 SH SOLE 1,645 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 2,076,290 3,344 SH SOLE 3,344 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 2,237,059 22,551 SH SOLE 22,551 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 489,250 5,212 SH SOLE 5,212 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 269,595 4,491 SH SOLE 4,491 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 18,747,271 224,572 SH SOLE 224,572 0 0
IShares Intermediate Government-Credit Bond ETF Fixed Income ETF 464288612 1,601,850 15,000 SH SOLE 15,000 0 0
IShares MSCI India ETF International Equity ETF 46429B598 2,994,136 53,774 SH SOLE 53,774 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622 633,298 1,865 SH SOLE 1,865 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614 447,732 1,055 SH SOLE 8 0 1,047
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 336,122 1,720 SH SOLE 1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,099,687 33,855 SH SOLE 33,855 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,336,835 12,232 SH SOLE 12,232 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 4,544,096 33,650 SH SOLE 33,650 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465 910,348 10,184 SH SOLE 10,184 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 287,800 5,966 SH SOLE 5,966 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 1,092,761 5,064 SH SOLE 5,064 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 7,745,868 22,068 SH SOLE 21,918 0 150
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 2,038,875 22,169 SH SOLE 19,215 0 2,954
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 260,972 1,965 SH SOLE 1,965 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 212,893 2,285 SH SOLE 2,285 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762 225,920 4,000 SH SOLE 4,000 0 0
Johnson & Johnson Common Stock 478160104 1,991,249 13,036 SH SOLE 11,471 0 1,565
Johnson Controls International PLC Int'l Common Stock G51502105 212,613 2,013 SH SOLE 2,013 0 0
JP Morgan Chase Co. Common Stock 46625H100 3,539,801 12,210 SH SOLE 10,472 0 1,738
Juniper Networks Inc Common Stock 48203R104 428,249 10,725 SH SOLE 10,725 0 0
Kroger Co. Common Stock 501044101 1,275,862 17,787 SH SOLE 17,787 0 0
Lam Research Corporation Common Stock 512807306 2,112,667 21,704 SH SOLE 21,704 0 0
LCNB Corp. Common Stock 50181P100 3,285,930 226,148 SH SOLE 226,148 0 0
LCNB Corp. Common Stock 50181P100 4,007,955 275,840 SH OTR 275,840 0 0
Leggett & Platt Inc. Common Stock 524660107 254,220 28,500 SH SOLE 28,500 0 0
Lockheed Martin Corp. Common Stock 539830109 1,054,570 2,277 SH SOLE 2,277 0 0
Lowes Co Inc. Common Stock 548661107 2,018,795 9,099 SH SOLE 7,059 0 2,040
Marathon Petroleum Corp. Common Stock 56585A102 316,107 1,903 SH SOLE 1,903 0 0
Mastercard Inc. Common Stock 57636Q104 1,085,106 1,931 SH SOLE 1,011 0 920
McCormick Co Inc. Common Stock 579780206 352,032 4,643 SH SOLE 4,143 0 500
McDonalds Corp. Common Stock 580135101 1,484,808 5,082 SH SOLE 3,693 0 1,389
Medtronic PLC Int'l Common Stock G5960L103 661,795 7,592 SH SOLE 7,592 0 0
Merck and Co Inc. Common Stock 58933Y105 2,383,666 30,112 SH SOLE 29,300 0 812
Meta Platforms Inc Common Stock 30303M102 618,519 838 SH SOLE 545 0 293
Microsoft Corp. Common Stock 594918104 12,359,641 24,848 SH SOLE 18,904 0 5,944
Mondelez International Inc Common Stock 609207105 635,150 9,418 SH SOLE 8,968 0 450
Morgan Stanley Common Stock 617446448 267,634 1,900 SH SOLE 1,900 0 0
New Linde PLC Int'l Common Stock G54950103 774,147 1,650 SH SOLE 178 0 1,472
NextEra Energy Inc. Common Stock 65339F101 711,624 10,251 SH SOLE 10,251 0 0
Nike Inc. Common Stock 654106103 510,564 7,187 SH SOLE 7,153 0 34
Norfolk Southern Corp. Common Stock 655844108 412,368 1,611 SH SOLE 1,348 0 263
Novartis AG ADR Int'l Common Stock 66987V109 1,127,934 9,321 SH SOLE 7,455 0 1,866
Nvidia Corp Common Stock 67066G104 5,597,586 35,430 SH SOLE 15,430 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109 349,802 1,601 SH SOLE 1,601 0 0
Oracle Corporation Common Stock 68389X105 1,253,406 5,733 SH SOLE 4,437 0 1,296
Pepsico Inc. Common Stock 713448108 2,127,296 16,111 SH SOLE 8,082 0 8,029
Pfizer Inc. Common Stock 717081103 316,041 13,038 SH SOLE 12,438 0 600
Phillips 66 Common Stock 718546104 381,044 3,194 SH SOLE 3,194 0 0
PNC Financial Services Group Inc. Common Stock 693475105 380,110 2,039 SH SOLE 1,888 0 151
Procter & Gamble Co. Common Stock 742718109 254,912 1,600 SH OTR 1,600 0 0
Procter & Gamble Co. Common Stock 742718109 11,688,353 73,364 SH SOLE 66,700 0 6,664
Prudential Financial Inc. Common Stock 744320102 545,688 5,079 SH SOLE 5,079 0 0
Qualcomm Inc. Common Stock 747525103 207,675 1,304 SH SOLE 1,270 0 34
RTX Corporation Common Stock 75513E101 1,044,102 7,150 SH SOLE 4,760 0 2,390
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870 1,050,178 39,362 SH SOLE 39,016 0 346
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797 686,615 25,910 SH SOLE 25,910 0 0
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 17,421,808 596,433 SH SOLE 596,433 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 15,183,497 548,735 SH SOLE 548,735 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201 516,319 21,126 SH SOLE 21,126 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508 215,424 7,680 SH SOLE 7,680 0 0
Skyworks Solutions Inc Common Stock 83088M102 529,837 7,110 SH SOLE 7,110 0 0
Southern Co. Common Stock 842587107 559,719 6,095 SH SOLE 6,072 0 23
SPDR Gold TR Exchange Traded Fund 78463V107 1,762,527 5,782 SH SOLE 5,345 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 5,987,584 9,691 SH SOLE 9,286 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508 327,125 6,250 SH OTR 6,250 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 929,027 1,640 SH SOLE 1,640 0 0
Starbucks Corp. Common Stock 855244109 931,236 10,163 SH SOLE 10,163 0 0
Stryker Corp. Common Stock 863667101 388,904 983 SH SOLE 983 0 0
Sysco Corp. Common Stock 871829107 449,062 5,929 SH SOLE 5,654 0 275
T Rowe Price Group Inc. Common Stock 74144T108 279,657 2,898 SH SOLE 2,898 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100 498,957 2,203 SH SOLE 2,028 0 175
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 3,074,212 12,140 SH SOLE 1,790 0 10,350
Texas Instruments Inc. Common Stock 882508104 318,904 1,536 SH SOLE 1,135 0 401
TJX Companies Inc. Common Stock 872540109 1,988,312 16,101 SH SOLE 9,644 0 6,457
Tractor Supply Co. Common Stock 892356106 276,198 5,234 SH SOLE 5,234 0 0
U.S. Bancorp Common Stock 902973304 2,863,827 63,289 SH SOLE 36,144 0 27,145
Union Pacific Corp. Common Stock 907818108 371,119 1,613 SH SOLE 1,508 0 105
United Parcel Service Inc Common Stock 911312106 247,808 2,455 SH SOLE 2,455 0 0
Vanguard Dividend Appreciation ETF Exchange Traded Fund 921908844 255,428 1,248 SH SOLE 1,248 0 0
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858 647,862 11,364 SH SOLE 11,364 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 502,634 3,770 SH SOLE 710 0 3,060
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 1,279,097 21,386 SH SOLE 21,386 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858 353,342 7,144 SH SOLE 6,600 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813 393,921 5,190 SH SOLE 5,190 0 0
Vanguard S&P 500 Index Fund Exchange Traded Fund 922908363 948,610 1,670 SH SOLE 1,670 0 0
Vanguard Short Term Treasury ETF Fixed Income ETF 92206C102 881,700 15,000 SH SOLE 15,000 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751 451,447 1,905 SH SOLE 1,905 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769 379,913 1,250 SH SOLE 1,250 0 0
Verizon Communications Inc. Common Stock 92343V104 477,484 11,035 SH SOLE 9,709 0 1,326
Verizon Communications Inc. Common Stock 92343V104 71,222 1,646 SH OTR 1,646 0 0
Visa Inc Common Stock 92826C839 325,936 918 SH SOLE 635 0 283
Walmart Inc. Common Stock 931142103 1,408,032 14,400 SH SOLE 12,954 0 1,446
WEC Energy Group Inc. Common Stock 92939U106 241,536 2,318 SH SOLE 2,218 0 100
Welltower Inc. Common Stock 95040Q104 548,201 3,566 SH SOLE 3,566 0 0
Whirlpool Corp. Common Stock 963320106 487,120 4,803 SH SOLE 4,803 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 1,937,664 24,367 SH SOLE 24,367 0 0