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
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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 635,236 4,374 SH SOLE 4,374 0 0
Abbott Laboratories Common Stock 002824100 1,583,069 15,419 SH SOLE 9,825 0 5,594
Abbvie Inc. Common Stock 00287Y109 1,723,274 7,923 SH SOLE 4,461 0 3,462
Accenture PLC Int'l Common Stock G1151C101 983,717 4,961 SH SOLE 3,230 0 1,731
Aflac Inc. Common Stock 001055102 224,247 2,044 SH SOLE 2,044 0 0
Air Products & Chemicals Inc Common Stock 009158106 462,751 1,593 SH SOLE 1,507 0 86
Alphabet Inc. Common Stock 02079K107 6,191,142 21,582 SH SOLE 16,454 0 5,128
Alphabet Inc. Common Stock 02079K305 6,250,404 21,736 SH SOLE 18,666 0 3,070
Amazon.com Inc Common Stock 023135106 2,557,347 12,279 SH SOLE 12,279 0 0
American Electric Power Co Inc. Common Stock 025537101 221,918 1,693 SH SOLE 1,489 0 204
American Express Co. Common Stock 025816109 445,553 1,473 SH SOLE 1,276 0 197
Amgen Inc. Common Stock 031162100 2,352,117 6,685 SH SOLE 4,607 0 2,078
Analog Devices Inc. Common Stock 032654105 1,113,808 3,501 SH SOLE 1,809 0 1,692
Apple Inc. Common Stock 037833100 8,664,137 34,139 SH SOLE 23,380 0 10,759
Applied Materials Common Stock 038222105 562,586 1,646 SH SOLE 1,646 0 0
Automatic Data Processing Common Stock 053015103 1,127,243 5,548 SH SOLE 3,740 0 1,808
Bank of America Corp. Common Stock 060505104 453,619 9,305 SH SOLE 9,305 0 0
Becton Dickinson and Co. Common Stock 075887109 483,011 3,072 SH SOLE 3,072 0 0
Berkshire Hathaway Inc. Common Stock 084670702 2,209,591 4,611 SH SOLE 2,114 0 2,497
BlackRock, Inc. Common Stock 09290D101 419,306 436 SH SOLE 386 0 50
Blackstone Inc. Common Stock 09260D107 733,636 6,380 SH SOLE 6,380 0 0
Block Inc Common Stock 852234103 586,454 9,745 SH SOLE 9,745 0 0
Boeing Co. Common Stock 097023105 396,866 1,994 SH SOLE 1,544 0 450
Booking Holdings Inc. Common Stock 09857L108 214,726 51 SH SOLE 51 0 0
Bristol-Myers Squibb Co Common Stock 110122108 314,774 5,190 SH SOLE 5,190 0 0
Broadcom Ltd. Common Stock 11135F101 5,864,595 18,948 SH SOLE 18,948 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209 341,274 2,055 SH SOLE 2,055 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108 321,011 4,081 SH SOLE 1,917 0 2,164
Cardinal Health Inc. Common Stock 14149Y108 1,038,377 4,914 SH SOLE 4,914 0 0
Caterpillar Inc. Common Stock 149123101 1,278,062 1,804 SH SOLE 1,804 0 0
Charles Schwab Corp. Common Stock 808513105 728,063 7,747 SH SOLE 7,747 0 0
Chevron Corporation Common Stock 166764100 2,508,130 12,122 SH SOLE 11,313 0 809
Chubb Ltd Common Stock H1467J104 1,145,970 3,516 SH SOLE 2,207 0 1,309
Cincinnati Financial Corp Common Stock 172062101 3,536,127 22,473 SH SOLE 22,473 0 0
Cintas Corp. Common Stock 172908105 625,818 3,700 SH SOLE 3,700 0 0
Cisco Systems Inc. Common Stock 17275R102 1,357,437 17,495 SH SOLE 16,209 0 1,286
Citigroup Inc. Common Stock 172967424 228,748 2,017 SH SOLE 1,976 0 41
Citizens Financial Group Inc. Common Stock 174610105 348,126 5,805 SH SOLE 5,805 0 0
Coca-Cola Company Common Stock 191216100 1,085,538 14,274 SH SOLE 12,367 0 1,907
Comcast Corp. Common Stock 20030N101 361,258 12,583 SH SOLE 11,526 0 1,057
Conocophillips Common Stock 20825C104 291,060 2,205 SH SOLE 1,951 0 254
Corning Inc. Common Stock 219350105 2,512,046 18,475 SH SOLE 18,475 0 0
Costco Wholesale Corp Common Stock 22160K105 276,011 277 SH SOLE 277 0 0
Cullen Frost Bankers Inc Common Stock 229899109 383,824 2,800 SH SOLE 1,000 0 1,800
Cummins Inc. Common Stock 231021106 665,531 1,237 SH SOLE 1,187 0 50
Danaher Corp. Common Stock 235851102 354,931 1,872 SH SOLE 1,872 0 0
Deere & Co. Common Stock 244199105 1,384,591 2,458 SH SOLE 1,827 0 631
Disney Walt Co. Common Stock 254687106 891,611 9,251 SH SOLE 8,851 0 400
Dominion Energy Inc. Common Stock 25746U109 335,744 5,431 SH SOLE 5,431 0 0
Donaldson Company, Inc. Common Stock 257651109 210,053 2,475 SH SOLE 2,475 0 0
Duke Energy Holding Corp. Common Stock 26441C204 1,502,183 11,472 SH SOLE 9,196 0 2,276
Eastman Chemical Company Common Stock 277432100 221,481 2,902 SH SOLE 2,902 0 0
Eaton Corp. Int'l Common Stock G29183103 1,274,736 3,564 SH SOLE 3,438 0 126
EBay Inc. Common Stock 278642103 307,557 3,379 SH SOLE 3,379 0 0
Ecolab Inc. Common Stock 278865100 230,107 865 SH SOLE 865 0 0
Eli Lilly Co. Common Stock 532457108 1,868,053 2,031 SH SOLE 2,031 0 0
Emerson Electric Co. Common Stock 291011104 1,295,526 9,888 SH SOLE 9,573 0 315
Enbridge Inc. Int'l Common Stock 29250N105 747,403 13,805 SH SOLE 10,383 0 3,422
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506 454,427 7,418 SH SOLE 7,418 0 0
EOG Resources Inc. Common Stock 26875P101 375,593 2,598 SH SOLE 2,388 0 210
Expedia Group Inc. Common Stock 30212P303 200,643 869 SH SOLE 869 0 0
Exxon Mobil Corp. Common Stock 30231G102 2,368,284 13,959 SH SOLE 11,930 0 2,029
Fed Ex Corp. Common Stock 31428X106 1,339,949 3,762 SH SOLE 3,732 0 30
Fifth Third Bancorp Common Stock 316773100 801,667 17,255 SH SOLE 16,687 0 568
First Financial Bancorp Common Stock 320209109 469,666 16,846 SH SOLE 16,846 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103 6,361,388 90,412 SH SOLE 90,412 0 0
FT Vest U.S. Equity Deep Buffer ETF - Oct Exchange Traded Fund 33740F672 5,521,449 127,140 SH SOLE 127,140 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802 1,187,723 29,869 SH SOLE 29,869 0 0
GE Aerospace Common Stock 369604301 339,389 1,196 SH SOLE 1,071 0 125
GE Vernova LLC Common Stock 36828A101 278,455 319 SH SOLE 319 0 0
General Dynamics Corp. Common Stock 369550108 595,487 1,735 SH SOLE 1,722 0 13
General Mills Inc. Common Stock 370334104 259,870 6,982 SH SOLE 6,982 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 431,368 9,339 SH SOLE 9,339 0 0
Grainger W W Inc. Common Stock 384802104 321,789 295 SH SOLE 295 0 0
Graphic Packaging Holding Company Common Stock 388689101 296,967 29,876 SH SOLE 29,876 0 0
Home Depot Inc. Common Stock 437076102 1,204,066 3,661 SH SOLE 3,566 0 95
Honeywell International Inc. Common Stock 438516106 959,045 4,243 SH SOLE 4,068 0 175
Illinois Tool Works Inc. Common Stock 452308109 713,975 2,743 SH SOLE 1,693 0 1,050
Intel Corp. Common Stock 458140100 571,042 12,940 SH SOLE 12,440 0 500
International Business Machines Corp. Common Stock 459200101 1,142,384 4,713 SH SOLE 4,400 0 313
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 1,075,286 1,863 SH SOLE 1,863 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 565,780 2,948 SH SOLE 2,948 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457 294,362 3,565 SH SOLE 3,565 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432 541,813 6,250 SH SOLE 6,250 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556 277,758 1,645 SH SOLE 1,645 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 1,494,544 2,288 SH SOLE 2,288 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 2,820,062 28,408 SH SOLE 28,408 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 477,611 5,150 SH SOLE 5,150 0 0
IShares Europe ETF International Equity ETF 464287861 546,917 8,050 SH SOLE 8,050 0 0
IShares Floating Rate Bond ETF Fixed Income ETF 46429B655 2,248,373 44,129 SH SOLE 44,129 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 444,098 6,367 SH SOLE 6,367 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 22,861,812 252,533 SH SOLE 252,533 0 0
IShares MSCI India ETF International Equity ETF 46429B598 2,587,488 55,241 SH SOLE 55,241 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622 843,264 2,365 SH SOLE 2,365 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614 427,904 1,004 SH SOLE 8 0 996
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 363,178 1,720 SH SOLE 1,720 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,182,772 32,323 SH SOLE 32,323 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,449,082 11,657 SH SOLE 11,657 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 213,645 1,500 SH SOLE 1,500 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465 1,144,580 11,784 SH SOLE 11,784 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 343,068 6,041 SH SOLE 6,041 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 1,342,672 5,414 SH SOLE 5,414 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 8,339,559 22,498 SH SOLE 22,348 0 150
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 2,223,933 22,873 SH SOLE 19,919 0 2,954
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 263,927 2,060 SH SOLE 1,580 0 480
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 394,726 2,607 SH SOLE 2,607 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 206,907 2,285 SH SOLE 2,285 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762 246,560 4,000 SH SOLE 4,000 0 0
Johnson & Johnson Common Stock 478160104 3,182,120 13,018 SH SOLE 11,667 0 1,351
Johnson Controls International PLC Int'l Common Stock G51502105 274,209 2,094 SH SOLE 2,094 0 0
JP Morgan Chase Co. Common Stock 46625H100 3,362,543 11,431 SH SOLE 9,813 0 1,618
Kroger Co. Common Stock 501044101 1,271,438 17,571 SH SOLE 17,571 0 0
Lam Research Corporation Common Stock 512807306 3,975,999 18,609 SH SOLE 18,609 0 0
LCNB Corp. Common Stock 50181P100 3,642,183 233,623 SH SOLE 233,623 0 0
LCNB Corp. Common Stock 50181P100 4,300,346 275,840 SH OTR 275,840 0 0
Leggett & Platt Inc. Common Stock 524660107 187,720 19,000 SH SOLE 19,000 0 0
Lockheed Martin Corp. Common Stock 539830109 1,158,616 1,917 SH SOLE 1,917 0 0
Lowes Co Inc. Common Stock 548661107 2,070,522 8,763 SH SOLE 6,723 0 2,040
Marathon Petroleum Corp. Common Stock 56585A102 707,878 2,899 SH SOLE 2,899 0 0
Mastercard Inc. Common Stock 57636Q104 907,882 1,817 SH SOLE 897 0 920
McCormick Co Inc. Common Stock 579780206 208,973 4,143 SH SOLE 3,643 0 500
McDonalds Corp. Common Stock 580135101 1,451,389 4,670 SH SOLE 3,302 0 1,368
Medtronic PLC Int'l Common Stock G5960L103 664,779 7,672 SH SOLE 7,672 0 0
Merck and Co Inc. Common Stock 58933Y105 3,268,520 27,172 SH SOLE 26,515 0 657
Meta Platforms Inc Common Stock 30303M102 513,773 898 SH SOLE 621 0 277
Microsoft Corp. Common Stock 594918104 9,274,137 25,054 SH SOLE 19,174 0 5,880
Mondelez International Inc Common Stock 609207105 606,661 10,525 SH SOLE 10,075 0 450
Morgan Stanley Common Stock 617446448 351,192 2,134 SH SOLE 2,134 0 0
New Linde PLC Int'l Common Stock G54950103 771,898 1,557 SH SOLE 128 0 1,429
NextEra Energy Inc. Common Stock 65339F101 985,364 10,609 SH SOLE 10,609 0 0
Nike Inc. Common Stock 654106103 353,313 6,689 SH SOLE 6,678 0 11
Norfolk Southern Corp. Common Stock 655844108 597,247 2,081 SH SOLE 1,818 0 263
Novartis AG ADR Int'l Common Stock 66987V109 1,412,632 9,248 SH SOLE 7,393 0 1,855
Nvidia Corp Common Stock 67066G104 5,961,690 34,184 SH SOLE 14,184 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109 319,110 1,621 SH SOLE 1,621 0 0
Omnicom Group Inc. Common Stock 681919106 292,429 3,883 SH SOLE 3,883 0 0
Oracle Corporation Common Stock 68389X105 758,499 5,156 SH SOLE 3,922 0 1,234
Pepsico Inc. Common Stock 713448108 1,603,680 10,327 SH SOLE 8,012 0 2,315
Pfizer Inc. Common Stock 717081103 329,856 11,747 SH SOLE 11,238 0 509
Phillips 66 Common Stock 718546104 584,616 3,209 SH SOLE 3,209 0 0
PNC Financial Services Group Inc. Common Stock 693475105 396,411 1,905 SH SOLE 1,788 0 117
Procter & Gamble Co. Common Stock 742718109 231,104 1,600 SH OTR 1,600 0 0
Procter & Gamble Co. Common Stock 742718109 7,197,879 49,833 SH SOLE 43,222 0 6,611
Prudential Financial Inc. Common Stock 744320102 472,527 4,837 SH SOLE 4,837 0 0
Qualcomm Inc. Common Stock 747525103 325,556 2,528 SH SOLE 2,505 0 23
Realty Income Corp. REIT Common Stock 756109104 288,953 4,723 SH SOLE 4,723 0 0
Regions Financial Corp. Common Stock 7591EP100 280,137 10,725 SH SOLE 10,725 0 0
RTX Corporation Common Stock 75513E101 1,351,457 7,006 SH SOLE 4,772 0 2,234
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870 1,047,423 39,362 SH SOLE 39,016 0 346
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 18,279,891 627,528 SH SOLE 627,528 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 19,921,319 653,158 SH SOLE 653,158 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201 541,671 21,126 SH SOLE 21,126 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508 237,773 7,680 SH SOLE 7,680 0 0
Skyworks Solutions Inc Common Stock 83088M102 251,792 4,702 SH SOLE 4,702 0 0
Southern Co. Common Stock 842587107 515,018 5,336 SH SOLE 5,317 0 19
SPDR Gold TR Exchange Traded Fund 78463V107 2,175,976 5,057 SH SOLE 4,620 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 6,825,969 10,496 SH SOLE 10,091 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508 353,625 6,250 SH SOLE 6,250 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 897,386 1,455 SH SOLE 1,455 0 0
Starbucks Corp. Common Stock 855244109 894,646 9,986 SH SOLE 9,986 0 0
Stryker Corp. Common Stock 863667101 311,503 948 SH SOLE 948 0 0
Sysco Corp. Common Stock 871829107 488,183 6,844 SH SOLE 6,569 0 275
T Rowe Price Group Inc. Common Stock 74144T108 240,494 2,668 SH SOLE 2,668 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100 784,044 2,320 SH SOLE 2,145 0 175
Target Corporation Common Stock 87612E106 221,796 1,830 SH SOLE 1,679 0 151
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 435,912 3,280 SH SOLE 3,280 0 0
Texas Instruments Inc. Common Stock 882508104 273,932 1,411 SH SOLE 1,035 0 376
TJX Companies Inc. Common Stock 872540109 2,415,622 15,126 SH SOLE 9,119 0 6,007
Tractor Supply Co. Common Stock 892356106 227,361 5,019 SH SOLE 5,019 0 0
U.S. Bancorp Common Stock 902973304 1,993,543 38,330 SH SOLE 35,455 0 2,875
Union Pacific Corp. Common Stock 907818108 363,687 1,499 SH SOLE 1,404 0 95
Utilities Select Sector SPDR TR Exchange Traded Fund 81369Y886 240,922 5,250 SH SOLE 4,650 0 600
Vanguard Dividend Appreciation ETF Exchange Traded Fund 921908844 1,247,348 5,800 SH SOLE 5,800 0 0
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858 607,350 9,478 SH SOLE 9,478 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 558,398 3,770 SH SOLE 710 0 3,060
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 1,317,306 22,121 SH SOLE 22,121 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858 385,593 7,134 SH SOLE 6,590 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813 388,245 5,196 SH SOLE 5,196 0 0
Vanguard S&P 500 Index Fund Exchange Traded Fund 922908363 497,759 833 SH SOLE 833 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751 491,100 1,875 SH SOLE 1,875 0 0
Vanguard Tax-Exempt Bond Index Fixed Income ETF 922907746 272,799 5,468 SH SOLE 5,468 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769 414,807 1,293 SH SOLE 1,293 0 0
Verizon Communications Inc. Common Stock 92343V104 603,755 12,027 SH SOLE 10,770 0 1,257
Verizon Communications Inc. Common Stock 92343V104 82,629 1,646 SH OTR 1,646 0 0
Visa Inc Common Stock 92826C839 385,658 1,276 SH SOLE 1,006 0 270
Walmart Inc. Common Stock 931142103 1,724,882 13,879 SH SOLE 12,754 0 1,125
WEC Energy Group Inc. Common Stock 92939U106 268,355 2,318 SH SOLE 2,218 0 100
Welltower Inc. Common Stock 95040Q104 670,632 3,392 SH SOLE 3,392 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 2,882,956 33,383 SH SOLE 33,383 0 0