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 282,062 2,854 SH DFND 1 2,854 0 0
ABBVIE INC COMMON STOCK 00287Y109 691,908 2,645 SH DFND 1 2,645 0 0
ABBVIE INC COMMON STOCK 00287Y109 20,927 80 SH OTR 1 80 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107 352,986 577 SH DFND 1 577 0 0
ALPHABET INC COMMON STOCK 02079K107 328,475 964 SH DFND 1 964 0 0
ALPHABET INC COMMON STOCK 02079K305 1,439,630 4,184 SH DFND 1 4,184 0 0
AMAZON COM INC COMMON STOCK 023135106 2,215,445 8,892 SH DFND 1 8,892 0 0
APPLE INC COMMON STOCK 037833100 6,124,912 18,392 SH DFND 1 18,392 0 0
APPLE INC COMMON STOCK 037833100 89,915 270 SH OTR 1 270 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105 768,604 1,503 SH DFND 1 1,503 0 0
APPLIED MATERIALS DELAWARE COMMON STOCK 038222105 97,162 190 SH OTR 1 190 0 0
BP AMOCO PLC SPONS ADR COMMON STOCK 055622104 378,269 8,599 SH DFND 1 8,599 0 0
BANK OF AMERICA COMMON STOCK 060505104 1,124,143 20,653 SH DFND 1 20,653 0 0
ISHARES MUTUAL FUNDS - 092528207 869,864 38,002 SH DFND 1 38,002 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 229,257 3,674 SH DFND 1 3,674 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 41,808 670 SH OTR 1 670 0 0
BROADCOM INC COMMON STOCK 11135F101 624,419 1,778 SH DFND 1 1,778 0 0
CME GROUP INC COMMON STOCK 12572Q105 231,329 883 SH DFND 1 883 0 0
CSX CORP COMMON STOCK 126408103 825,183 17,742 SH DFND 1 17,742 0 0
CSX CORP COMMON STOCK 126408103 27,906 600 SH OTR 1 600 0 0
CAPITAL GROUP MUTUAL FUNDS - 14020Y201 846,217 32,622 SH DFND 1 32,622 0 0
CATERPILLAR INC COMMON STOCK 149123101 320,264 395 SH DFND 1 395 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 4,874,901 23,872 SH DFND 1 23,872 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 30,632 150 SH OTR 1 150 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 786,775 7,310 SH DFND 1 7,310 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 43,052 400 SH OTR 1 400 0 0
CINTAS CORPORATION COMMON STOCK 172908105 427,766 2,193 SH DFND 1 2,193 0 0
COCA COLA COMMON STOCK 191216100 274,164 3,185 SH DFND 1 3,185 0 0
COCA COLA COMMON STOCK 191216100 25,824 300 SH OTR 1 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 231,531 1,850 SH DFND 1 1,850 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 21,276 170 SH OTR 1 170 0 0
CORNING INC COMMON STOCK 219350105 776,334 5,049 SH DFND 1 4,975 0 74
CORNING INC COMMON STOCK 219350105 23,064 150 SH OTR 1 150 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 764,684 840 SH DFND 1 840 0 0
D R HORTON INC COMMON STOCK 23331A109 478,275 3,500 SH DFND 1 3,500 0 0
DEERE & CO COMMON STOCK 244199105 1,146,337 1,707 SH DFND 1 1,707 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807 3,926,011 70,283 SH DFND 1 70,283 0 0
DIMENSIONAL MUTUAL FUNDS - 25434V807 69,490 1,244 SH OTR 1 1,244 0 0
WALT DISNEY CO COMMON STOCK 254687106 207,282 1,976 SH DFND 1 1,976 0 0
ESCALADE INC COMMON STOCK 296056104 1,242,964 65,316 SH DFND 1 65,316 0 0
EXXONMOBIL HOLDINGS COMMON STOCK 30233Q108 2,275,737 13,983 SH DFND 1 13,983 0 0
EXXONMOBIL HOLDINGS COMMON STOCK 30233Q108 56,963 350 SH OTR 1 350 0 0
META PLATFORMS INC COMMON STOCK 30303M102 2,411,226 3,325 SH DFND 1 3,325 0 0
FIDELITY MUTUAL FUNDS - 31609A206 1,991,966 44,315 SH DFND 1 44,257 0 58
GENUINE PARTS CO COMMON STOCK 372460105 246,451 1,960 SH DFND 1 1,960 0 0
HOME DEPOT INC COMMON STOCK 437076102 693,871 2,439 SH DFND 1 2,439 0 0
HOME DEPOT INC COMMON STOCK 437076102 14,225 50 SH OTR 1 50 0 0
IBM COMMON STOCK 459200101 393,674 1,790 SH DFND 1 1,790 0 0
IBM COMMON STOCK 459200101 61,580 280 SH OTR 1 280 0 0
INVESCO MUTUAL FUNDS - 46090A879 1,175,001 46,953 SH DFND 1 46,953 0 0
INVESCO MUTUAL FUNDS - 46090E103 1,440,335 1,947 SH DFND 1 1,947 0 0
ISHARES MUTUAL FUNDS - 464287200 23,451,104 30,621 SH DFND 1 30,621 0 0
ISHARES MUTUAL FUNDS - 464287200 338,506 442 SH OTR 1 442 0 0
ISHARES MUTUAL FUNDS - 464287309 15,759,139 110,777 SH DFND 1 110,777 0 0
ISHARES MUTUAL FUNDS - 464287309 164,310 1,155 SH OTR 1 1,155 0 0
ISHARES MUTUAL FUNDS - 464287408 6,614,413 28,975 SH DFND 1 28,975 0 0
ISHARES MUTUAL FUNDS - 464287408 54,787 240 SH OTR 1 240 0 0
ISHARES MUTUAL FUNDS - 464287457 5,578,439 68,700 SH DFND 1 68,660 0 40
ISHARES MUTUAL FUNDS - 464287457 21,518 265 SH OTR 1 265 0 0
ISHARES MUTUAL FUNDS - 464287465 923,272 8,887 SH DFND 1 8,887 0 0
ISHARES MUTUAL FUNDS - 464287499 1,898,051 17,787 SH DFND 1 17,787 0 0
ISHARES MUTUAL FUNDS - 464287499 72,883 683 SH OTR 1 683 0 0
ISHARES MUTUAL FUNDS - 464287507 10,228,421 142,160 SH DFND 1 142,160 0 0
ISHARES MUTUAL FUNDS - 464287614 610,266 4,872 SH DFND 1 4,872 0 0
ISHARES MUTUAL FUNDS - 464287622 6,259,012 15,041 SH DFND 1 15,041 0 0
ISHARES MUTUAL FUNDS - 464287655 340,970 1,227 SH DFND 1 1,227 0 0
ISHARES MUTUAL FUNDS - 464287721 411,654 1,554 SH DFND 1 1,554 0 0
ISHARES MUTUAL FUNDS - 464287721 98,543 372 SH OTR 1 372 0 0
ISHARES MUTUAL FUNDS - 464287804 4,481,431 32,942 SH DFND 1 32,942 0 0
ISHARES MUTUAL FUNDS - 464287804 17,957 132 SH OTR 1 132 0 0
ISHARES MUTUAL FUNDS - 464288638 4,995,929 99,224 SH DFND 1 99,224 0 0
ISHARES MUTUAL FUNDS - 464288638 23,916 475 SH OTR 1 475 0 0
ISHARES MUTUAL FUNDS - 464288646 1,533,716 29,938 SH DFND 1 29,938 0 0
ISHARES MUTUAL FUNDS - 464288646 7,480 146 SH OTR 1 146 0 0
ISHARES MUTUAL FUNDS - 46432F396 253,872 800 SH DFND 1 800 0 0
ISHARES MUTUAL FUNDS - 46432F842 678,934 7,008 SH DFND 1 7,008 0 0
ISHARES MUTUAL FUNDS - 46432F842 67,041 692 SH OTR 1 692 0 0
ISHARES MUTUAL FUNDS - 46432F859 3,564,411 75,437 SH DFND 1 75,437 0 0
ISHARES MUTUAL FUNDS - 46432F859 22,491 476 SH OTR 1 476 0 0
ISHARES MUTUAL FUNDS - 46434G103 1,272,750 15,682 SH DFND 1 15,682 0 0
ISHARES MUTUAL FUNDS - 46435U861 4,779,933 74,096 SH DFND 1 74,096 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,901,813 11,794 SH DFND 1 11,763 0 31
JP MORGAN CHASE & CO COMMON STOCK 46625H100 24,812 75 SH OTR 1 75 0 0
JP MORGAN MUTUAL FUNDS - 46641Q332 518,911 9,230 SH DFND 1 9,230 0 0
JP MORGAN MUTUAL FUNDS - 46641Q647 418,513 8,796 SH DFND 1 8,796 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 460,914 1,741 SH DFND 1 1,741 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 74,127 280 SH OTR 1 280 0 0
KROGER CO COMMON STOCK 501044101 331,497 5,655 SH DFND 1 5,655 0 0
LAM RESEARCH COMMON STOCK 512807306 305,843 931 SH DFND 1 931 0 0
LENNOX INTL COMMON STOCK 526107107 449,100 1,265 SH DFND 1 1,265 0 0
ELI LILLY & CO COMMON STOCK 532457108 1,189,480 1,028 SH DFND 1 1,028 0 0
LOWES COMPANY COMMON STOCK 548661107 458,331 2,487 SH DFND 1 2,487 0 0
MCDONALDS COMMON STOCK 580135101 612,226 2,651 SH DFND 1 2,651 0 0
MCDONALDS COMMON STOCK 580135101 15,011 65 SH OTR 1 65 0 0
MERCK & CO COMMON STOCK 58933Y105 921,994 6,345 SH DFND 1 6,345 0 0
MERCK & CO COMMON STOCK 58933Y105 53,038 365 SH OTR 1 365 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,124,597 6,092 SH DFND 1 6,092 0 0
MICROSOFT CORP COMMON STOCK 594918104 10,258 20 SH OTR 1 20 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103 2,919,466 2,741 SH DFND 1 2,741 0 0
MORGAN STANLEY COMMON STOCK 617446448 750,253 3,989 SH DFND 1 3,989 0 0
EATON VANCE MUTUAL FUNDS - 61774R858 2,558,629 52,047 SH DFND 1 52,047 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 290,236 3,832 SH DFND 1 3,832 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 2,920,752 12,789 SH DFND 1 12,789 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 14,160 62 SH OTR 1 62 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 940,097 6,847 SH DFND 1 6,847 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 248,306 2,380 SH DFND 1 2,380 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 222,097 559 SH DFND 1 559 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 234,078 245 SH DFND 1 245 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101 16,174,491 442,047 SH DFND 1 4,000 438,047 0
PEOPLES BANCORP INC COMMON STOCK 709789101 3,659 100 SH OTR 1 0 100 0
PEPSICO INC COMMON STOCK 713448108 222,138 1,753 SH DFND 1 1,753 0 0
PEPSICO INC COMMON STOCK 713448108 12,672 100 SH OTR 1 100 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,573,222 6,162 SH DFND 1 6,162 0 0
PHILLIPS 66 COMMON STOCK 718546104 25,531 100 SH OTR 1 100 0 0
PIMCO MUTUAL FUNDS - 72201R585 2,672,647 105,264 SH DFND 1 105,264 0 0
PIMCO MUTUAL FUNDS - 72201R585 12,213 481 SH OTR 1 481 0 0
PIMCO MUTUAL FUNDS - 72201R635 865,639 20,325 SH DFND 1 20,325 0 0
PIMCO MUTUAL FUNDS - 72201R874 3,015,692 61,034 SH DFND 1 61,034 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,980,018 13,629 SH DFND 1 13,629 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 42,131 290 SH OTR 1 290 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 238,860 2,103 SH DFND 1 2,103 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 11,358 100 SH OTR 1 100 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 378,172 2,037 SH DFND 1 2,037 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 16,709 90 SH OTR 1 90 0 0
SPDR MUTUAL FUNDS - 78462F103 6,974,252 9,145 SH DFND 1 9,145 0 0
STATE STREET SPDR MUTUAL FUNDS - 78464A763 753,640 5,145 SH DFND 1 5,145 0 0
STATE STREET SPDR MUTUAL FUNDS - 78464A763 64,891 443 SH OTR 1 443 0 0
SCHWAB MUTUAL FUNDS - 808524797 230,995 7,101 SH DFND 1 7,101 0 0
SHERWIN WILLIAMS CO. COMMON COMMON STOCK 824348106 307,107 950 SH DFND 1 950 0 0
SOUTHERN CO COMMON STOCK 842587107 218,830 2,640 SH DFND 1 2,640 0 0
STRYKER COMMON STOCK 863667101 258,592 939 SH DFND 1 939 0 0
TAIWAN SEMICONDUCT MANU CORP COMMON STOCK 874039100 779,629 1,709 SH DFND 1 1,709 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 253,763 906 SH DFND 1 906 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 28,009 100 SH OTR 1 100 0 0
TRAVELERS COS INC COMMON STOCK 89417E109 252,053 707 SH DFND 1 707 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 684,407 2,515 SH DFND 1 2,515 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 276,778 754 SH DFND 1 754 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 14,683 40 SH OTR 1 40 0 0
VANGUARD MUTUAL FUNDS - 921909768 243,156 2,862 SH DFND 1 2,862 0 0
VANGUARD MUTUAL FUNDS - 921943858 4,556,392 64,529 SH DFND 1 64,529 0 0
VANGUARD MUTUAL FUNDS - 921946406 234,974 1,514 SH DFND 1 1,514 0 0
VANGUARD MUTUAL FUNDS - 922042858 553,956 9,340 SH DFND 1 9,294 0 46
VANGUARD MUTUAL FUNDS - 922042858 17,674 298 SH OTR 1 298 0 0
VANGUARD MUTUAL FUNDS - 92204A702 924,177 7,354 SH DFND 1 7,354 0 0
VANGUARD MUTUAL FUNDS - 92206C706 5,851,784 103,279 SH DFND 1 103,279 0 0
VANGUARD MUTUAL FUNDS - 92206C706 35,186 621 SH OTR 1 621 0 0
VANGUARD MUTUAL FUNDS - 922908736 250,686 2,782 SH DFND 1 2,782 0 0
VANGUARD MUTUAL FUNDS - 922908744 1,154,515 5,343 SH DFND 1 5,343 0 0
VANGUARD MUTUAL FUNDS - 922908769 476,408 1,273 SH DFND 1 1,273 0 0
VISA INC COMMON STOCK 92826C839 417,901 1,163 SH DFND 1 1,163 0 0
WAL MART STORES INC COMMON STOCK 931142103 394,273 3,794 SH DFND 1 3,794 0 0
LINDE PLC FOREIGN STOCK G54950103 412,945 870 SH DFND 1 870 0 0
JBS N V COMMON STOCK N4732M103 123,626 10,950 SH DFND 1 10,950 0 0