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 668,526 4,129 SH SOLE 4,129 0 0
Abbott Laboratories Common Stock 002824100 1,379,157 15,199 SH SOLE 9,670 0 5,529
Abbvie Inc. Common Stock 00287Y109 1,998,893 7,943 SH SOLE 4,481 0 3,462
Accenture PLC Int'l Common Stock G1151C101 542,807 4,362 SH SOLE 3,005 0 1,357
Advanced Micro Devices Inc. Common Stock 007903107 496,678 855 SH SOLE 806 0 49
Aflac Inc. Common Stock 001055102 239,659 2,044 SH SOLE 2,044 0 0
Air Products & Chemicals Inc Common Stock 009158106 467,036 1,593 SH SOLE 1,507 0 86
Alphabet Inc. Common Stock 02079K107 7,447,296 21,077 SH SOLE 16,123 0 4,954
Alphabet Inc. Common Stock 02079K305 7,232,454 20,238 SH SOLE 17,168 0 3,070
Amazon.com Inc Common Stock 023135106 2,991,644 12,552 SH SOLE 12,552 0 0
American Express Co. Common Stock 025816109 501,625 1,483 SH SOLE 1,286 0 197
Amgen Inc. Common Stock 031162100 2,402,666 6,635 SH SOLE 4,557 0 2,078
Analog Devices Inc. Common Stock 032654105 1,390,492 3,501 SH SOLE 1,809 0 1,692
Apple Inc. Common Stock 037833100 9,613,118 33,222 SH SOLE 22,639 0 10,583
Applied Materials Common Stock 038222105 1,190,058 1,646 SH SOLE 1,646 0 0
Automatic Data Processing Common Stock 053015103 1,234,636 5,513 SH SOLE 3,715 0 1,798
Bank of America Corp. Common Stock 060505104 535,612 9,400 SH SOLE 9,400 0 0
Becton Dickinson and Co. Common Stock 075887109 434,620 2,872 SH SOLE 2,872 0 0
Berkshire Hathaway Inc. Common Stock 084670702 2,292,287 4,581 SH SOLE 2,114 0 2,467
BlackRock, Inc. Common Stock 09290D101 419,240 436 SH SOLE 386 0 50
Blackstone Inc. Common Stock 09260D107 743,674 6,320 SH SOLE 6,320 0 0
Block Inc Common Stock 852234103 696,540 9,165 SH SOLE 9,165 0 0
Boeing Co. Common Stock 097023105 420,818 1,944 SH SOLE 1,494 0 450
Bristol-Myers Squibb Co Common Stock 110122108 287,524 4,990 SH SOLE 4,990 0 0
Broadcom Ltd. Common Stock 11135F101 6,582,294 17,425 SH SOLE 17,425 0 0
C H Robinson Worldwide Inc. Common Stock 12541W209 372,913 1,980 SH SOLE 1,980 0 0
Canadian Pacific Kansas City Limited Int'l Common Stock 13646K108 353,619 4,081 SH SOLE 1,917 0 2,164
Capital One Financial Corp. Common Stock 14040H105 201,021 1,002 SH SOLE 926 0 76
Cardinal Health Inc. Common Stock 14149Y108 1,131,736 4,764 SH SOLE 4,764 0 0
Caterpillar Inc. Common Stock 149123101 1,487,665 1,397 SH SOLE 1,397 0 0
Charles Schwab Corp. Common Stock 808513105 694,609 7,528 SH SOLE 7,528 0 0
Chevron Corporation Common Stock 166764100 1,940,623 11,707 SH SOLE 10,928 0 779
Chubb Ltd Common Stock H1467J104 1,151,020 3,378 SH SOLE 2,069 0 1,309
Cincinnati Financial Corp Common Stock 172062101 4,060,120 21,930 SH SOLE 21,930 0 0
Cintas Corp. Common Stock 172908105 629,296 3,700 SH SOLE 3,700 0 0
Cisco Systems Inc. Common Stock 17275R102 1,825,916 15,545 SH SOLE 14,259 0 1,286
Citigroup Inc. Common Stock 172967424 266,904 1,907 SH SOLE 1,866 0 41
Citizens Financial Group Inc. Common Stock 174610105 311,111 4,440 SH SOLE 4,440 0 0
Coca-Cola Company Common Stock 191216100 1,085,930 13,362 SH SOLE 11,463 0 1,899
Colgate Palmolive Co. Common Stock 194162103 205,822 2,245 SH SOLE 2,245 0 0
Comcast Corp. Common Stock 20030N101 260,181 10,598 SH SOLE 9,801 0 797
Conocophillips Common Stock 20825C104 230,583 2,218 SH SOLE 1,964 0 254
Corning Inc. Common Stock 219350105 4,058,783 15,890 SH SOLE 15,890 0 0
Costco Wholesale Corp Common Stock 22160K105 272,222 291 SH SOLE 291 0 0
Cullen Frost Bankers Inc Common Stock 229899109 432,656 2,800 SH SOLE 1,000 0 1,800
Cummins Inc. Common Stock 231021106 877,962 1,231 SH SOLE 1,187 0 44
Danaher Corp. Common Stock 235851102 328,007 1,722 SH SOLE 1,722 0 0
Deere & Co. Common Stock 244199105 1,543,325 2,433 SH SOLE 1,802 0 631
Disney Walt Co. Common Stock 254687106 902,344 9,375 SH SOLE 8,978 0 397
Dominion Energy Inc. Common Stock 25746U109 370,883 5,431 SH SOLE 5,431 0 0
Donaldson Company, Inc. Common Stock 257651109 222,181 2,475 SH SOLE 2,475 0 0
Duke Energy Holding Corp. Common Stock 26441C204 1,442,670 11,397 SH SOLE 9,121 0 2,276
Eaton Corp. Int'l Common Stock G29183103 1,522,101 3,572 SH SOLE 3,446 0 126
EBay Inc. Common Stock 278642103 349,666 3,129 SH SOLE 3,129 0 0
Ecolab Inc. Common Stock 278865100 244,062 876 SH SOLE 876 0 0
Eli Lilly Co. Common Stock 532457108 2,163,772 1,804 SH SOLE 1,804 0 0
Emerson Electric Co. Common Stock 291011104 1,304,526 9,113 SH SOLE 8,798 0 315
Enbridge Inc. Int'l Common Stock 29250N105 748,369 13,805 SH SOLE 10,383 0 3,422
Energy Select Sector SPDR TR Exchange Traded Fund 81369Y506 393,970 7,418 SH SOLE 7,418 0 0
EOG Resources Inc. Common Stock 26875P101 330,552 2,548 SH SOLE 2,338 0 210
Expedia Group Inc. Common Stock 30212P303 209,566 819 SH SOLE 819 0 0
Fed Ex Corp. Common Stock 31428X106 1,091,884 3,487 SH SOLE 3,457 0 30
Fifth Third Bancorp Common Stock 316773100 857,106 15,205 SH SOLE 14,637 0 568
First Financial Bancorp Common Stock 320209109 569,900 16,846 SH SOLE 16,846 0 0
First Trust Long/Short Equity ETF Exchange Traded Fund 33739P103 6,194,329 83,934 SH SOLE 83,934 0 0
FT Vest U.S. Equity Deep Buffer ETF - Oct Exchange Traded Fund 33740F672 5,709,244 122,306 SH SOLE 122,306 0 0
FT Vest US Equity Deep Buffer ETF - April Exchange Traded Fund 33740U802 1,398,873 34,219 SH SOLE 34,219 0 0
GE Aerospace Common Stock 369604301 438,012 1,172 SH SOLE 1,047 0 125
GE Vernova LLC Common Stock 36828A101 367,731 313 SH SOLE 313 0 0
General Dynamics Corp. Common Stock 369550108 669,868 1,891 SH SOLE 1,878 0 13
General Mills Inc. Common Stock 370334104 218,614 6,282 SH SOLE 6,282 0 0
Goldman Sachs Physical Gold ETF Exchange Traded Fund 38150K103 362,619 9,164 SH SOLE 9,164 0 0
Grainger W W Inc. Common Stock 384802104 401,318 295 SH SOLE 295 0 0
Graphic Packaging Holding Company Common Stock 388689101 278,329 26,332 SH SOLE 26,332 0 0
Home Depot Inc. Common Stock 437076102 1,301,742 3,691 SH SOLE 3,596 0 95
Honeywell Intl Inc Common Stock 438516205 1,011,275 2,178 SH SOLE 2,090 0 88
Illinois Tool Works Inc. Common Stock 452308109 741,899 2,743 SH SOLE 1,693 0 1,050
Intel Corp. Common Stock 458140100 1,771,905 12,690 SH SOLE 12,240 0 450
International Business Machines Corp. Common Stock 459200101 1,221,295 4,343 SH SOLE 4,030 0 313
Invesco QQQ Trust Series Exchange Traded Fund 46090E103 1,371,913 1,863 SH SOLE 1,863 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 611,288 2,873 SH SOLE 2,873 0 0
IShares 1-3 Year Treasury Bond ETF Fixed Income ETF 464287457 292,722 3,565 SH SOLE 3,565 0 0
IShares 20 Year Treasury Bond ETF Fixed Income ETF 464287432 786,422 9,100 SH SOLE 9,100 0 0
IShares Biotechnology ETF Exchange Traded Fund 464287556 327,127 1,720 SH SOLE 1,720 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 1,679,760 2,243 SH SOLE 2,243 0 0
IShares Core US Aggregate Bond Fund Fixed Income ETF 464287226 2,703,144 27,310 SH SOLE 27,310 0 0
IShares Edge MSCI Min Vol USA ETF Exchange Traded Fund 46429B697 496,769 5,150 SH SOLE 5,150 0 0
IShares Europe ETF International Equity ETF 464287861 688,433 9,450 SH SOLE 9,450 0 0
IShares Floating Rate Bond ETF Fixed Income ETF 46429B655 3,690,660 72,295 SH SOLE 72,295 0 0
IShares Inc. Core MSCI Emerging Markets ETF International Equity ETF 46434G103 780,104 9,417 SH SOLE 9,417 0 0
IShares Inc. TR Core MSCI EAFE ETF International Equity ETF 46432F842 24,655,425 255,285 SH SOLE 255,285 0 0
IShares MSCI India ETF International Equity ETF 46429B598 2,713,734 54,945 SH SOLE 54,945 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622 968,468 2,365 SH SOLE 2,365 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614 498,360 4,014 SH SOLE 32 0 3,982
IShares S&P 500 Value ETF Exchange Traded Fund 464287408 390,543 1,720 SH SOLE 1,720 0 0
IShares S&P Small Cap 600 Value ETF Exchange Traded Fund 464287879 225,522 1,650 SH SOLE 1,650 0 0
IShares TR Core S&P Mid Cap ETF Exchange Traded Fund 464287507 2,478,932 32,148 SH SOLE 32,148 0 0
IShares TR Core S&P Small Cap ETF Exchange Traded Fund 464287804 1,728,850 11,657 SH SOLE 11,657 0 0
IShares TR Core S&P Total US Stock Market ETF Exchange Traded Fund 464287150 246,405 1,500 SH SOLE 1,500 0 0
IShares TR MSCI EAFE ETF International Equity ETF 464287465 1,224,122 11,784 SH SOLE 11,784 0 0
IShares TR MSCI Emerging Markets ETF International Equity ETF 464287234 413,265 6,041 SH SOLE 6,041 0 0
IShares TR Russell 2000 ETF Exchange Traded Fund 464287655 1,649,170 5,489 SH SOLE 5,489 0 0
IShares TR Russell 3000 ETF Exchange Traded Fund 464287689 10,126,147 23,748 SH SOLE 23,598 0 150
IShares TR Russell Mid Cap ETF Exchange Traded Fund 464287499 2,501,276 22,673 SH SOLE 19,919 0 2,754
IShares TR Russell Mid Cap Growth ETF Exchange Traded Fund 464287481 301,605 2,060 SH SOLE 1,580 0 480
IShares TR Select Dividend ETF Exchange Traded Fund 464287168 376,214 2,407 SH SOLE 2,407 0 0
IShares TR US Home Construction ETF Exchange Traded Fund 464288752 238,737 2,285 SH SOLE 2,285 0 0
IShares US Healthcare ETF Exchange Traded Fund 464287762 268,040 4,000 SH SOLE 4,000 0 0
Johnson & Johnson Common Stock 478160104 3,189,609 12,559 SH SOLE 11,210 0 1,349
Johnson Controls International PLC Int'l Common Stock G51502105 300,110 2,054 SH SOLE 2,054 0 0
JP Morgan Chase Co. Common Stock 46625H100 3,678,535 11,238 SH SOLE 9,681 0 1,557
Kroger Co. Common Stock 501044101 951,673 17,138 SH SOLE 17,138 0 0
Lam Research Corporation Common Stock 512807306 7,585,875 17,506 SH SOLE 17,506 0 0
LCNB Corp. Common Stock 50181P100 4,047,864 230,123 SH SOLE 230,123 0 0
LCNB Corp. Common Stock 50181P100 4,852,026 275,840 SH OTR 275,840 0 0
Leggett & Platt Inc. Common Stock 524660107 222,490 19,000 SH SOLE 19,000 0 0
Linde PLC Int'l Common Stock G54950103 812,141 1,565 SH SOLE 136 0 1,429
Lockheed Martin Corp. Common Stock 539830109 979,182 1,922 SH SOLE 1,922 0 0
Lowes Co Inc. Common Stock 548661107 1,928,626 8,747 SH SOLE 6,707 0 2,040
Marathon Petroleum Corp. Common Stock 56585A102 498,301 1,949 SH SOLE 1,949 0 0
Mastercard Inc. Common Stock 57636Q104 928,589 1,808 SH SOLE 888 0 920
McDonalds Corp. Common Stock 580135101 1,244,778 4,605 SH SOLE 3,297 0 1,308
Medtronic PLC Int'l Common Stock G5960L103 514,128 6,572 SH SOLE 6,572 0 0
Merck and Co Inc. Common Stock 58933Y105 3,377,366 26,283 SH SOLE 25,626 0 657
Meta Platforms Inc Common Stock 30303M102 514,847 914 SH SOLE 638 0 276
Microsoft Corp. Common Stock 594918104 9,328,381 25,008 SH SOLE 19,159 0 5,849
Mondelez International Inc Common Stock 609207105 650,411 11,245 SH SOLE 10,795 0 450
Morgan Stanley Common Stock 617446448 452,781 2,166 SH SOLE 2,166 0 0
NextEra Energy Inc. Common Stock 65339F101 874,277 9,961 SH SOLE 9,961 0 0
Nike Inc. Common Stock 654106103 262,966 6,406 SH SOLE 6,406 0 0
Norfolk Southern Corp. Common Stock 655844108 654,662 2,081 SH SOLE 1,818 0 263
Novartis AG ADR Int'l Common Stock 66987V109 1,359,233 8,673 SH SOLE 6,818 0 1,855
Nvidia Corp Common Stock 67066G104 6,699,814 33,484 SH SOLE 13,484 0 20,000
NXP Semiconductors Int'l Common Stock N6596X109 455,550 1,621 SH SOLE 1,621 0 0
Omnicom Group Inc. Common Stock 681919106 259,129 3,558 SH SOLE 3,558 0 0
Oracle Corporation Common Stock 68389X105 727,474 4,964 SH SOLE 3,822 0 1,142
Pepsico Inc. Common Stock 713448108 1,389,204 10,260 SH SOLE 7,974 0 2,286
Pfizer Inc. Common Stock 717081103 279,665 11,614 SH SOLE 11,238 0 376
Phillips 66 Common Stock 718546104 542,481 3,209 SH SOLE 3,209 0 0
PNC Financial Services Group Inc. Common Stock 693475105 469,049 1,905 SH SOLE 1,788 0 117
Procter & Gamble Co. Common Stock 742718109 234,624 1,600 SH OTR 1,600 0 0
Procter & Gamble Co. Common Stock 742718109 7,076,553 48,258 SH SOLE 41,647 0 6,611
Prudential Financial Inc. Common Stock 744320102 522,057 4,837 SH SOLE 4,837 0 0
Qualcomm Inc. Common Stock 747525103 300,099 1,624 SH SOLE 1,601 0 23
Regions Financial Corp. Common Stock 7591EP100 323,895 10,725 SH SOLE 10,725 0 0
RTX Corporation Common Stock 75513E101 1,311,224 6,911 SH SOLE 4,677 0 2,234
Schwab Strategic US TIPS ETF Fixed Income ETF 808524870 1,043,093 39,362 SH SOLE 39,016 0 346
Schwab US Large Cap Growth ETF Exchange Traded Fund 808524300 21,417,370 632,901 SH SOLE 632,901 0 0
Schwab US Large Cap Value ETF Exchange Traded Fund 808524409 22,338,586 641,729 SH SOLE 641,729 0 0
Schwab US Large-Cap Exchange Traded Fund 808524201 621,738 21,126 SH SOLE 21,126 0 0
Schwab US Mid-Cap Exchange Traded Fund 808524508 283,162 7,680 SH SOLE 7,680 0 0
Skyworks Solutions Inc Common Stock 83088M102 244,216 3,602 SH SOLE 3,602 0 0
Southern Co. Common Stock 842587107 492,894 5,150 SH SOLE 5,131 0 19
SPDR Gold TR Exchange Traded Fund 78463V107 1,796,589 4,877 SH SOLE 4,440 0 437
SPDR S&P 500 Trust ETF Exchange Traded Fund 78462F103 7,773,129 10,409 SH SOLE 10,004 0 405
SPDR S&P 500 Value Exchange Traded Fund 78464A508 379,938 6,250 SH SOLE 6,250 0 0
SPDR S&P Mid Cap 400 ETF TR Exchange Traded Fund 78467Y107 1,023,360 1,455 SH SOLE 1,455 0 0
Starbucks Corp. Common Stock 855244109 1,020,469 9,986 SH SOLE 9,986 0 0
Stryker Corp. Common Stock 863667101 301,617 958 SH SOLE 958 0 0
Sysco Corp. Common Stock 871829107 503,068 6,019 SH SOLE 5,744 0 275
T Rowe Price Group Inc. Common Stock 74144T108 303,325 2,668 SH SOLE 2,668 0 0
Taiwan Semiconductor MFG Ltd Int'l Common Stock 874039100 1,087,904 2,278 SH SOLE 2,153 0 125
Target Corporation Common Stock 87612E106 239,016 1,830 SH SOLE 1,679 0 151
Technology Select Sector SPDR TR Exchange Traded Fund 81369Y803 624,906 3,280 SH SOLE 3,280 0 0
Texas Instruments Inc. Common Stock 882508104 410,442 1,377 SH SOLE 1,001 0 376
TJX Companies Inc. Common Stock 872540109 2,278,712 15,041 SH SOLE 9,034 0 6,007
Trane Technologies PLC Int'l Common Stock G8994E103 205,796 419 SH SOLE 369 0 50
U.S. Bancorp Common Stock 902973304 2,446,200 40,500 SH SOLE 37,625 0 2,875
Union Pacific Corp. Common Stock 907818108 430,576 1,583 SH SOLE 1,488 0 95
Utilities Select Sector SPDR TR Exchange Traded Fund 81369Y886 292,443 6,450 SH SOLE 5,850 0 600
Vanguard Dividend Appreciation ETF Exchange Traded Fund 921908844 1,395,585 5,898 SH SOLE 5,898 0 0
Vanguard FTSE Developed Markets ETF International Equity ETF 921943858 675,308 9,478 SH SOLE 9,478 0 0
Vanguard High Dividend Yield Fund Exchange Traded Fund 921946406 595,838 3,770 SH SOLE 710 0 3,060
Vanguard Intermediate-Term Treasury Fixed Income ETF 92206C706 1,493,433 25,321 SH SOLE 25,321 0 0
Vanguard International Equity Index Fund International Equity ETF 922042858 425,828 7,134 SH SOLE 6,590 0 544
Vanguard Long-Term Corporate Bond Fixed Income ETF 92206C813 390,999 5,196 SH SOLE 5,196 0 0
Vanguard S&P 500 Index Fund Exchange Traded Fund 922908363 572,113 833 SH SOLE 833 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751 583,506 1,925 SH SOLE 1,925 0 0
Vanguard Tax-Exempt Bond Index Fixed Income ETF 922907746 276,571 5,468 SH SOLE 5,468 0 0
Vanguard Total Stock Market Index Exchange Traded Fund 922908769 478,462 1,293 SH SOLE 1,293 0 0
Verizon Communications Inc. Common Stock 92343V104 459,431 10,851 SH SOLE 9,594 0 1,257
Verizon Communications Inc. Common Stock 92343V104 69,692 1,646 SH OTR 1,646 0 0
Visa Inc Common Stock 92826C839 441,214 1,286 SH SOLE 1,016 0 270
Walmart Inc. Common Stock 931142103 1,574,087 13,898 SH SOLE 12,773 0 1,125
WEC Energy Group Inc. Common Stock 92939U106 270,673 2,318 SH SOLE 2,218 0 100
Welltower Inc. Common Stock 95040Q104 769,882 3,392 SH SOLE 3,392 0 0
WisdomTree US Total Dividend Fund Exchange Traded Fund 97717W109 2,958,441 31,727 SH SOLE 31,727 0 0