The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
|
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 | 466 | 2,668 | SH | SOLE | 1,843 | 0 | 825 | ||
Abbott Laboratories | Common Stock | 002824100 | 1,921 | 17,544 | SH | SOLE | 11,515 | 150 | 5,879 | ||
Abbvie Inc. | Common Stock | 00287Y109 | 645 | 6,022 | SH | SOLE | 3,038 | 0 | 2,984 | ||
Accenture PLC | Int'l Common Stock | G1151C101 | 1,087 | 4,160 | SH | SOLE | 2,250 | 0 | 1,910 | ||
Alibaba Group Holding Ltd | Int'l Common Stock | 01609W102 | 216 | 929 | SH | SOLE | 925 | 0 | 4 | ||
Alphabet Inc. | Common Stock | 02079K107 | 2,400 | 1,370 | SH | SOLE | 987 | 40 | 343 | ||
Alphabet Inc. | Common Stock | 02079K305 | 2,657 | 1,516 | SH | SOLE | 1,273 | 0 | 243 | ||
Amazon.com Inc | Common Stock | 023135106 | 2,303 | 707 | SH | SOLE | 662 | 0 | 45 | ||
Amgen Inc. | Common Stock | 031162100 | 1,175 | 5,112 | SH | SOLE | 2,637 | 0 | 2,475 | ||
Analog Devices Inc. | Common Stock | 032654105 | 512 | 3,469 | SH | SOLE | 1,836 | 0 | 1,633 | ||
Apple Inc. | Common Stock | 037833100 | 5,263 | 39,667 | SH | SOLE | 27,899 | 300 | 11,468 | ||
AT&T Inc. | Common Stock | 00206R102 | 873 | 30,358 | SH | SOLE | 25,369 | 0 | 4,989 | ||
Automatic Data Processing | Common Stock | 053015103 | 886 | 5,031 | SH | SOLE | 3,519 | 0 | 1,512 | ||
Bank of America Corp. | Common Stock | 060505104 | 329 | 10,848 | SH | SOLE | 10,327 | 0 | 521 | ||
Baxter International Inc. | Common Stock | 071813109 | 595 | 7,410 | SH | SOLE | 3,805 | 0 | 3,605 | ||
Berkshire Hathaway Inc. | Common Stock | 084670702 | 1,043 | 4,499 | SH | SOLE | 1,809 | 0 | 2,690 | ||
Blackrock Inc. | Common Stock | 09247X101 | 639 | 886 | SH | SOLE | 651 | 100 | 135 | ||
Boeing Co. | Common Stock | 097023105 | 505 | 2,359 | SH | SOLE | 1,869 | 0 | 490 | ||
Booking Holdings Inc. | Common Stock | 09857L108 | 249 | 112 | SH | SOLE | 72 | 20 | 20 | ||
Bristol-Myers Squibb Co | Common Stock | 110122108 | 588 | 9,481 | SH | SOLE | 6,180 | 0 | 3,301 | ||
Broadcom Ltd. | Common Stock | 11135F101 | 1,365 | 3,118 | SH | SOLE | 2,459 | 200 | 459 | ||
C H Robinson Worldwide Inc. | Common Stock | 12541W209 | 585 | 6,235 | SH | SOLE | 5,935 | 0 | 300 | ||
Cardinal Health Inc. | Common Stock | 14149Y108 | 267 | 4,992 | SH | SOLE | 4,066 | 0 | 926 | ||
Caterpillar Inc. | Common Stock | 149123101 | 430 | 2,365 | SH | SOLE | 2,067 | 0 | 298 | ||
Chevron Corporation | Common Stock | 166764100 | 1,550 | 18,349 | SH | SOLE | 17,704 | 0 | 645 | ||
Chubb Ltd | Common Stock | H1467J104 | 232 | 1,506 | SH | SOLE | 243 | 0 | 1,263 | ||
Cincinnati Financial Corp | Common Stock | 172062101 | 2,330 | 26,663 | SH | SOLE | 26,663 | 0 | 0 | ||
Cintas Corp. | Common Stock | 172908105 | 548 | 1,550 | SH | SOLE | 1,550 | 0 | 0 | ||
Cisco Systems Inc. | Common Stock | 17275R102 | 675 | 15,076 | SH | SOLE | 14,290 | 0 | 786 | ||
Citigroup Inc. | Common Stock | 172967424 | 368 | 5,974 | SH | SOLE | 4,606 | 700 | 668 | ||
Coca-Cola Company | Common Stock | 191216100 | 961 | 17,527 | SH | SOLE | 15,879 | 0 | 1,648 | ||
Comcast Corp. | Common Stock | 20030N101 | 277 | 5,294 | SH | SOLE | 4,217 | 0 | 1,077 | ||
CULLEN FROST BANKERS INC | Common Stock | 229899109 | 243 | 2,790 | SH | SOLE | 400 | 0 | 2,390 | ||
CVS Health Corporation | Common Stock | 126650100 | 265 | 3,882 | SH | SOLE | 3,032 | 0 | 850 | ||
Danaher Corp. | Common Stock | 235851102 | 582 | 2,618 | SH | SOLE | 2,318 | 300 | 0 | ||
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR | International Equity ETF | 233051200 | 932 | 27,596 | SH | SOLE | 23,135 | 1,150 | 3,311 | ||
Deere & Co. | Common Stock | 244199105 | 483 | 1,794 | SH | SOLE | 869 | 0 | 925 | ||
DIAGEO PLC SPONSORED A D R | Int'l Common Stock | 25243Q205 | 324 | 2,039 | SH | SOLE | 577 | 0 | 1,462 | ||
Disney Walt Co. | Common Stock | 254687106 | 2,524 | 13,933 | SH | SOLE | 9,596 | 0 | 4,337 | ||
Dominion Energy Inc. | Common Stock | 25746U109 | 234 | 3,118 | SH | SOLE | 2,918 | 0 | 200 | ||
Duke Energy Holding Corp. | Common Stock | 26441C204 | 931 | 10,165 | SH | SOLE | 6,967 | 0 | 3,198 | ||
Eaton Corp. | Common Stock | G29183103 | 939 | 7,814 | SH | SOLE | 6,678 | 0 | 1,136 | ||
ECOLAB INC | Common Stock | 278865100 | 210 | 972 | SH | SOLE | 915 | 0 | 57 | ||
Eli Lilly Co. | Common Stock | 532457108 | 574 | 3,400 | SH | SOLE | 3,250 | 0 | 150 | ||
Emerson Electric Co. | Common Stock | 291011104 | 515 | 6,410 | SH | SOLE | 5,760 | 0 | 650 | ||
Enbridge Inc. | Int'l Common Stock | 29250N105 | 875 | 27,342 | SH | SOLE | 11,651 | 0 | 15,691 | ||
ESSA BANCORP INC | Common Stock | 29667D104 | 225 | 15,000 | SH | SOLE | 15,000 | 0 | 0 | ||
Exxon Mobil Corp. | Common Stock | 30231G102 | 498 | 12,074 | SH | SOLE | 10,728 | 0 | 1,346 | ||
Fed Ex Corp. | Common Stock | 31428X106 | 782 | 3,013 | SH | SOLE | 1,476 | 0 | 1,537 | ||
Financial Select Sector SPDR TR | Exchange Traded Fund | 81369Y605 | 302 | 10,250 | SH | SOLE | 10,250 | 0 | 0 | ||
First Financial Bancorp | Common Stock | 320209109 | 363 | 20,696 | SH | SOLE | 20,696 | 0 | 0 | ||
Fiserv Inc. | Common Stock | 337738108 | 251 | 2,205 | SH | SOLE | 2,205 | 0 | 0 | ||
General Dynamics Corp. | Common Stock | 369550108 | 204 | 1,372 | SH | SOLE | 1,372 | 0 | 0 | ||
General Mills Inc. | Common Stock | 370334104 | 889 | 15,123 | SH | SOLE | 12,659 | 700 | 1,764 | ||
Health Care Select Sector SPDR TR | Exchange Traded Fund | 81369Y209 | 954 | 8,408 | SH | SOLE | 8,408 | 0 | 0 | ||
Hershey Company | Common Stock | 427866108 | 1,305 | 8,570 | SH | SOLE | 8,570 | 0 | 0 | ||
Home Depot Inc. | Common Stock | 437076102 | 837 | 3,151 | SH | SOLE | 3,002 | 0 | 149 | ||
Honeywell International Inc. | Common Stock | 438516106 | 1,089 | 5,121 | SH | SOLE | 4,525 | 0 | 596 | ||
Illinois Tool Works Inc. | Common Stock | 452308109 | 510 | 2,503 | SH | SOLE | 1,053 | 0 | 1,450 | ||
Intel Corp. | Common Stock | 458140100 | 1,770 | 35,533 | SH | SOLE | 28,682 | 800 | 6,051 | ||
International Business Machines Corp. | Common Stock | 459200101 | 307 | 2,441 | SH | SOLE | 2,036 | 0 | 405 | ||
Invesco QQQ Trust Series | Exchange Traded Fund | 46090E103 | 617 | 1,967 | SH | SOLE | 1,967 | 0 | 0 | ||
Invesco S&P 500 Equal Weight ETF | Exchange Traded Fund | 46137V357 | 4,070 | 31,911 | SH | SOLE | 27,869 | 3,000 | 1,042 | ||
INVESTORS BANCORP INC NEW | Common Stock | 46146L101 | 110 | 10,455 | SH | SOLE | 10,455 | 0 | 0 | ||
IShares Core S&P 500 ETF | Exchange Traded Fund | 464287200 | 908 | 2,418 | SH | SOLE | 2,143 | 0 | 275 | ||
IShares Core US Aggregate Bond Fund | Fixed Income ETF | 464287226 | 449 | 3,801 | SH | SOLE | 3,651 | 0 | 150 | ||
IShares Edge MSCI Min Vol USA ETF | Exchange Traded Fund | 46429B697 | 1,833 | 27,007 | SH | SOLE | 24,350 | 0 | 2,657 | ||
IShares Inc. Core MSCI Emerging Markets ETF | International Equity ETF | 46434G103 | 3,154 | 50,843 | SH | SOLE | 46,729 | 0 | 4,114 | ||
IShares Inc. TR Core MSCI EAFE ETF | International Equity ETF | 46432F842 | 11,279 | 163,249 | SH | SOLE | 150,715 | 2,700 | 9,834 | ||
IShares MSCI EAFE Min Volatility | Exchange Traded Fund | 46429B689 | 571 | 7,781 | SH | SOLE | 6,845 | 0 | 936 | ||
IShares NASDAQ Biotechnology TR | Exchange Traded Fund | 464287556 | 541 | 3,570 | SH | SOLE | 3,320 | 250 | 0 | ||
IShares S&P 500 Value ETF | Exchange Traded Fund | 464287408 | 220 | 1,720 | SH | SOLE | 1,720 | 0 | 0 | ||
IShares S&P Small Cap 600 Value ETF | Exchange Traded Fund | 464287879 | 237 | 2,920 | SH | SOLE | 2,560 | 0 | 360 | ||
IShares TR Core S&P Mid Cap ETF | Exchange Traded Fund | 464287507 | 2,447 | 10,645 | SH | SOLE | 9,295 | 0 | 1,350 | ||
IShares TR Core S&P Small Cap ETF | Exchange Traded Fund | 464287804 | 1,677 | 18,249 | SH | SOLE | 16,679 | 650 | 920 | ||
IShares TR Core S&P Total US Stock Market ETF | Exchange Traded Fund | 464287150 | 2,919 | 33,860 | SH | SOLE | 32,460 | 0 | 1,400 | ||
IShares TR MSCI EAFE ETF | International Equity ETF | 464287465 | 996 | 13,658 | SH | SOLE | 12,243 | 0 | 1,415 | ||
IShares TR MSCI Emerging Markets ETF | International Equity ETF | 464287234 | 304 | 5,891 | SH | SOLE | 5,891 | 0 | 0 | ||
ISHARES TR RUS 1000 GRW ETF | Exchange Traded Fund | 464287614 | 310 | 1,284 | SH | SOLE | 326 | 0 | 958 | ||
IShares TR Russell 2000 ETF | Exchange Traded Fund | 464287655 | 804 | 4,100 | SH | SOLE | 3,925 | 0 | 175 | ||
IShares TR Russell 3000 ETF | Exchange Traded Fund | 464287689 | 2,681 | 11,992 | SH | SOLE | 11,592 | 100 | 300 | ||
IShares TR Russell Mid Cap ETF | Exchange Traded Fund | 464287499 | 1,066 | 15,555 | SH | SOLE | 12,010 | 0 | 3,545 | ||
IShares TR Russell Mid Cap Growth ETF | Exchange Traded Fund | 464287481 | 801 | 7,806 | SH | SOLE | 7,806 | 0 | 0 | ||
IShares TR Russell Mid Cap Value ETF | Exchange Traded Fund | 464287473 | 479 | 4,945 | SH | SOLE | 4,945 | 0 | 0 | ||
IShares TR Select Dividend ETF | Exchange Traded Fund | 464287168 | 212 | 2,203 | SH | SOLE | 1,549 | 0 | 654 | ||
IShares TR TIPS Bond ETF | Fixed Income ETF | 464287176 | 604 | 4,730 | SH | SOLE | 4,730 | 0 | 0 | ||
IShares TR US Home Construction ETF | Exchange Traded Fund | 464288752 | 277 | 4,885 | SH | SOLE | 3,185 | 1,000 | 700 | ||
IShares TR US Real Estate ETF | Exchange Traded Fund | 464287739 | 229 | 2,707 | SH | SOLE | 2,707 | 0 | 0 | ||
Johnson & Johnson | Common Stock | 478160104 | 2,591 | 16,465 | SH | SOLE | 13,623 | 250 | 2,592 | ||
JP Morgan Chase Co. | Common Stock | 46625H100 | 1,746 | 13,743 | SH | SOLE | 11,864 | 0 | 1,879 | ||
Kroger Co. | Common Stock | 501044101 | 392 | 12,350 | SH | SOLE | 10,175 | 0 | 2,175 | ||
Lam Research Corp. | Common Stock | 512807108 | 1,166 | 2,468 | SH | SOLE | 2,200 | 100 | 168 | ||
LCNB Corp. | Common Stock | 50181P100 | 3,806 | 259,110 | SH | SOLE | 248,910 | 0 | 10,200 | ||
LCNB Corp. | Common Stock | 50181P100 | 4,052 | 275,840 | SH | OTR | 275,840 | 0 | 0 | ||
Linde PLC | Int'l Common Stock | G5494J103 | 530 | 2,012 | SH | SOLE | 469 | 0 | 1,543 | ||
Lockheed Martin Corp. | Common Stock | 539830109 | 940 | 2,649 | SH | SOLE | 2,442 | 100 | 107 | ||
Lowes Co Inc. | Common Stock | 548661107 | 1,832 | 11,411 | SH | SOLE | 8,055 | 0 | 3,356 | ||
Mastercard Inc. | Common Stock | 57636Q104 | 821 | 2,301 | SH | SOLE | 1,135 | 0 | 1,166 | ||
McCormick Co Inc. | Common Stock | 579780206 | 500 | 5,230 | SH | SOLE | 4,730 | 0 | 500 | ||
McDonalds Corp. | Common Stock | 580135101 | 1,234 | 5,753 | SH | SOLE | 4,770 | 0 | 983 | ||
Medtronic PLC | Int'l Common Stock | G5960L103 | 634 | 5,409 | SH | SOLE | 4,155 | 0 | 1,254 | ||
Merck and Co Inc. | Common Stock | 58933Y105 | 841 | 10,280 | SH | SOLE | 9,422 | 0 | 858 | ||
Microsoft Corp. | Common Stock | 594918104 | 6,924 | 31,131 | SH | SOLE | 23,497 | 0 | 7,634 | ||
Mondelez International Inc | Common Stock | 609207105 | 419 | 7,159 | SH | SOLE | 6,415 | 0 | 744 | ||
NextEra Energy Inc. | Common Stock | 65339F101 | 867 | 11,242 | SH | SOLE | 9,542 | 0 | 1,700 | ||
Nike Inc. | Common Stock | 654106103 | 1,789 | 12,645 | SH | SOLE | 10,427 | 0 | 2,218 | ||
Norfolk Southern Corp. | Common Stock | 655844108 | 560 | 2,355 | SH | SOLE | 1,635 | 0 | 720 | ||
Novartis AG ADR | Int'l Common Stock | 66987V109 | 1,151 | 12,187 | SH | SOLE | 9,446 | 450 | 2,291 | ||
NVIDIA Corp. | Common Stock | 67066G104 | 406 | 778 | SH | SOLE | 728 | 0 | 50 | ||
Oracle Corporation | Common Stock | 68389X105 | 524 | 8,101 | SH | SOLE | 6,733 | 0 | 1,368 | ||
PayPal Holdings Inc. | Common Stock | 70450Y103 | 647 | 2,763 | SH | SOLE | 2,263 | 300 | 200 | ||
PEOPLES UNITED FINANCIAL INC | Common Stock | 712704105 | 176 | 13,595 | SH | SOLE | 13,595 | 0 | 0 | ||
Pepsico Inc. | Common Stock | 713448108 | 2,294 | 15,467 | SH | SOLE | 12,733 | 0 | 2,734 | ||
Pfizer Inc. | Common Stock | 717081103 | 1,235 | 33,552 | SH | SOLE | 28,908 | 1,000 | 3,644 | ||
Phillips 66 | Common Stock | 718546104 | 203 | 2,906 | SH | SOLE | 2,746 | 0 | 160 | ||
PNC Financial Services Group Inc. | Common Stock | 693475105 | 351 | 2,356 | SH | SOLE | 2,113 | 0 | 243 | ||
Procter & Gamble Co. | Common Stock | 742718109 | 8,637 | 62,073 | SH | SOLE | 59,049 | 400 | 2,624 | ||
Procter & Gamble Co. | Common Stock | 742718109 | 223 | 1,600 | SH | OTR | 1,600 | 0 | 0 | ||
Prudential Financial Inc. | Common Stock | 744320102 | 457 | 5,860 | SH | SOLE | 5,035 | 200 | 625 | ||
Putnam Managed Municipal Income Trust | Fixed Income ETF | 746823103 | 163 | 20,565 | SH | SOLE | 20,565 | 0 | 0 | ||
Regions Financial Corp. | Common Stock | 7591EP100 | 171 | 10,604 | SH | SOLE | 9,604 | 0 | 1,000 | ||
Roku Inc. | Common Stock | 77543R102 | 375 | 1,130 | SH | SOLE | 1,130 | 0 | 0 | ||
Schwab US Large Cap Growth ETF | Exchange Traded Fund | 808524300 | 4,573 | 35,635 | SH | SOLE | 34,353 | 0 | 1,282 | ||
Schwab US Large Cap Value ETF | Exchange Traded Fund | 808524409 | 4,236 | 71,155 | SH | SOLE | 68,709 | 0 | 2,446 | ||
Southern Co. | Common Stock | 842587107 | 558 | 9,078 | SH | SOLE | 8,231 | 0 | 847 | ||
SPDR Gold TR | Exchange Traded Fund | 78463V107 | 1,854 | 10,392 | SH | SOLE | 9,455 | 0 | 937 | ||
SPDR S&P 500 Trust ETF | Exchange Traded Fund | 78462F103 | 3,600 | 9,628 | SH | SOLE | 9,628 | 0 | 0 | ||
SPDR S&P Mid Cap 400 ETF TR | Exchange Traded Fund | 78467Y107 | 819 | 1,950 | SH | SOLE | 1,850 | 0 | 100 | ||
Starbucks Corp. | Common Stock | 855244109 | 1,453 | 13,579 | SH | SOLE | 11,238 | 500 | 1,841 | ||
Stryker Corp. | Common Stock | 863667101 | 274 | 1,119 | SH | SOLE | 839 | 0 | 280 | ||
Sysco Corp. | Common Stock | 871829107 | 220 | 2,965 | SH | SOLE | 2,165 | 0 | 800 | ||
T Rowe Price Group Inc. | Common Stock | 74144T108 | 1,120 | 7,398 | SH | SOLE | 6,165 | 284 | 949 | ||
Technology Select Sector SPDR TR | Exchange Traded Fund | 81369Y803 | 1,757 | 13,510 | SH | SOLE | 13,510 | 0 | 0 | ||
Tesla Inc. | Common Stock | 88160R101 | 1,411 | 2,000 | SH | SOLE | 2,000 | 0 | 0 | ||
Texas Instruments Inc. | Common Stock | 882508104 | 401 | 2,441 | SH | SOLE | 1,868 | 0 | 573 | ||
TFS FINL CORP | Common Stock | 87240R107 | 229 | 13,000 | SH | SOLE | 13,000 | 0 | 0 | ||
TJX Companies Inc. | Common Stock | 872540109 | 1,203 | 17,609 | SH | SOLE | 7,194 | 0 | 10,415 | ||
Tractor Supply Co. | Common Stock | 892356106 | 363 | 2,580 | SH | SOLE | 2,320 | 0 | 260 | ||
U.S. Bancorp | Common Stock | 902973304 | 1,845 | 39,593 | SH | SOLE | 34,277 | 800 | 4,516 | ||
Union Pacific Corp. | Common Stock | 907818108 | 370 | 1,777 | SH | SOLE | 1,684 | 0 | 93 | ||
United Parcel Service Inc | Common Stock | 911312106 | 929 | 5,514 | SH | SOLE | 4,580 | 296 | 638 | ||
United/Raytheon Technologies Corp | Common Stock | 75513E101 | 500 | 6,989 | SH | SOLE | 5,054 | 287 | 1,648 | ||
V F Corp. | Common Stock | 918204108 | 296 | 3,469 | SH | SOLE | 2,044 | 0 | 1,425 | ||
Vanguard High Dividend Yield Fund | Exchange Traded Fund | 921946406 | 351 | 3,840 | SH | SOLE | 1,195 | 0 | 2,645 | ||
Vanguard Intermediate Term Bond Index Fund Inc. | Fixed Income ETF | 921937819 | 1,345 | 14,485 | SH | SOLE | 13,285 | 0 | 1,200 | ||
Vanguard International Equity Index Fund | International Equity ETF | 922042858 | 281 | 5,600 | SH | SOLE | 5,390 | 0 | 210 | ||
Verizon Communications Inc. | Common Stock | 92343V104 | 1,039 | 17,689 | SH | SOLE | 11,447 | 519 | 5,723 | ||
Verizon Communications Inc. | Common Stock | 92343V104 | 97 | 1,646 | SH | OTR | 1,646 | 0 | 0 | ||
Visa Inc | Common Stock | 92826C839 | 536 | 2,449 | SH | SOLE | 2,067 | 0 | 382 | ||
Walmart Inc. | Common Stock | 931142103 | 415 | 2,876 | SH | SOLE | 2,526 | 0 | 350 | ||
Welltower Inc. | Common Stock | 95040Q104 | 306 | 4,735 | SH | SOLE | 4,416 | 0 | 319 | ||
WestRock Co. | Common Stock | 96145D105 | 724 | 16,638 | SH | SOLE | 16,063 | 0 | 575 | ||
WisdomTree US Total Dividend Fund | Exchange Traded Fund | 97717W109 | 1,071 | 10,219 | SH | SOLE | 6,969 | 400 | 2,850 |