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 |
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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 | 401 | 2,568 | SH | SOLE | 1,720 | 0 | 848 | ||
Abbott Laboratories | Common Stock | 002824100 | 1,670 | 18,264 | SH | SOLE | 12,085 | 150 | 6,029 | ||
Abbvie Inc. | Common Stock | 00287Y109 | 619 | 6,304 | SH | SOLE | 3,198 | 0 | 3,106 | ||
Accenture PLC | Int'l Common Stock | G1151C101 | 905 | 4,217 | SH | SOLE | 2,220 | 0 | 1,997 | ||
Adobe Inc. | Common Stock | 00724F101 | 216 | 497 | SH | SOLE | 253 | 0 | 244 | ||
Alphabet Inc. | Common Stock | 02079K107 | 1,931 | 1,366 | SH | SOLE | 983 | 40 | 343 | ||
Alphabet Inc. | Common Stock | 02079K305 | 1,499 | 1,057 | SH | SOLE | 794 | 0 | 263 | ||
Amazon.com Inc | Common Stock | 023135106 | 944 | 342 | SH | SOLE | 287 | 0 | 55 | ||
American Tower REIT | Common Stock | 03027X100 | 204 | 790 | SH | SOLE | 427 | 0 | 363 | ||
Amgen Inc. | Common Stock | 031162100 | 1,212 | 5,137 | SH | SOLE | 2,662 | 0 | 2,475 | ||
Analog Devices Inc. | Common Stock | 032654105 | 421 | 3,432 | SH | SOLE | 1,799 | 0 | 1,633 | ||
Apple Inc. | Common Stock | 037833100 | 4,053 | 11,111 | SH | SOLE | 7,874 | 100 | 3,137 | ||
AT&T Inc. | Common Stock | 00206R102 | 843 | 27,887 | SH | SOLE | 22,648 | 0 | 5,239 | ||
Automatic Data Processing | Common Stock | 053015103 | 754 | 5,061 | SH | SOLE | 3,533 | 0 | 1,528 | ||
Bank of America Corp. | Common Stock | 060505104 | 258 | 10,848 | SH | SOLE | 10,327 | 0 | 521 | ||
Baxter International Inc. | Common Stock | 071813109 | 647 | 7,510 | SH | SOLE | 3,905 | 0 | 3,605 | ||
Berkshire Hathaway Inc. | Common Stock | 084670702 | 794 | 4,449 | SH | SOLE | 1,559 | 0 | 2,890 | ||
Blackrock Inc. | Common Stock | 09247X101 | 479 | 881 | SH | SOLE | 646 | 100 | 135 | ||
Boeing Co. | Common Stock | 097023105 | 288 | 1,572 | SH | SOLE | 1,082 | 0 | 490 | ||
Bristol-Myers Squibb Co | Common Stock | 110122108 | 589 | 10,011 | SH | SOLE | 6,500 | 0 | 3,511 | ||
Broadcom Ltd. | Common Stock | 11135F101 | 910 | 2,883 | SH | SOLE | 2,224 | 200 | 459 | ||
C H Robinson Worldwide Inc. | Common Stock | 12541W209 | 490 | 6,203 | SH | SOLE | 5,903 | 0 | 300 | ||
Cardinal Health Inc. | Common Stock | 14149Y108 | 215 | 4,117 | SH | SOLE | 3,191 | 0 | 926 | ||
Caterpillar Inc. | Common Stock | 149123101 | 312 | 2,465 | SH | SOLE | 2,167 | 0 | 298 | ||
Chevron Corporation | Common Stock | 166764100 | 1,832 | 20,527 | SH | SOLE | 19,342 | 250 | 935 | ||
Cincinnati Financial Corp | Common Stock | 172062101 | 1,766 | 27,582 | SH | SOLE | 27,582 | 0 | 0 | ||
Cintas Corp. | Common Stock | 172908105 | 420 | 1,575 | SH | SOLE | 1,575 | 0 | 0 | ||
Cisco Systems Inc. | Common Stock | 17275R102 | 759 | 16,265 | SH | SOLE | 15,479 | 0 | 786 | ||
Citigroup Inc. | Common Stock | 172967424 | 280 | 5,474 | SH | SOLE | 4,106 | 700 | 668 | ||
Clorox Co. | Common Stock | 189054109 | 227 | 1,035 | SH | SOLE | 1,035 | 0 | 0 | ||
Coca-Cola Company | Common Stock | 191216100 | 790 | 17,674 | SH | SOLE | 15,987 | 0 | 1,687 | ||
Comcast Corp. | Common Stock | 20030N101 | 220 | 5,654 | SH | SOLE | 4,317 | 0 | 1,337 | ||
Costco Wholesale Corp | Common Stock | 22160K105 | 202 | 666 | SH | SOLE | 416 | 0 | 250 | ||
CULLEN FROST BANKERS INC | Common Stock | 229899109 | 208 | 2,790 | SH | SOLE | 400 | 0 | 2,390 | ||
CVS Health Corporation | Common Stock | 126650100 | 279 | 4,289 | SH | SOLE | 3,289 | 0 | 1,000 | ||
Danaher Corp. | Common Stock | 235851102 | 547 | 3,093 | SH | SOLE | 2,643 | 450 | 0 | ||
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR | International Equity ETF | 233051200 | 844 | 27,931 | SH | SOLE | 23,435 | 1,150 | 3,346 | ||
Deere & Co. | Common Stock | 244199105 | 321 | 2,044 | SH | SOLE | 869 | 0 | 1,175 | ||
DIAGEO PLC SPONSORED A D R | Int'l Common Stock | 25243Q205 | 274 | 2,039 | SH | SOLE | 577 | 0 | 1,462 | ||
Disney Walt Co. | Common Stock | 254687106 | 1,582 | 14,183 | SH | SOLE | 9,846 | 0 | 4,337 | ||
Dominion Energy Inc. | Common Stock | 25746U109 | 259 | 3,195 | SH | SOLE | 2,995 | 0 | 200 | ||
Duke Energy Holding Corp. | Common Stock | 26441C204 | 829 | 10,371 | SH | SOLE | 7,170 | 0 | 3,201 | ||
Eaton Corp. | Common Stock | G29183103 | 721 | 8,238 | SH | SOLE | 7,102 | 0 | 1,136 | ||
Eli Lilly Co. | Common Stock | 532457108 | 588 | 3,583 | SH | SOLE | 3,433 | 0 | 150 | ||
Emerson Electric Co. | Common Stock | 291011104 | 425 | 6,845 | SH | SOLE | 6,195 | 0 | 650 | ||
Enbridge Inc. | Int'l Common Stock | 29250N105 | 841 | 27,654 | SH | SOLE | 11,963 | 0 | 15,691 | ||
ESSA BANCORP INC | Common Stock | 29667D104 | 209 | 15,000 | SH | SOLE | 15,000 | 0 | 0 | ||
Exxon Mobil Corp. | Common Stock | 30231G102 | 1,000 | 22,359 | SH | SOLE | 18,002 | 450 | 3,907 | ||
Fed Ex Corp. | Common Stock | 31428X106 | 472 | 3,365 | SH | SOLE | 1,728 | 0 | 1,637 | ||
First Financial Bancorp | Common Stock | 320209109 | 242 | 17,446 | SH | SOLE | 17,446 | 0 | 0 | ||
Fiserv Inc. | Common Stock | 337738108 | 213 | 2,185 | SH | SOLE | 2,185 | 0 | 0 | ||
General Dynamics Corp. | Common Stock | 369550108 | 205 | 1,372 | SH | SOLE | 1,372 | 0 | 0 | ||
General Mills Inc. | Common Stock | 370334104 | 941 | 15,258 | SH | SOLE | 12,794 | 700 | 1,764 | ||
Health Care Select Sector SPDR TR | Exchange Traded Fund | 81369Y209 | 841 | 8,408 | SH | SOLE | 8,408 | 0 | 0 | ||
Hershey Company | Common Stock | 427866108 | 1,111 | 8,570 | SH | SOLE | 8,570 | 0 | 0 | ||
Home Depot Inc. | Common Stock | 437076102 | 789 | 3,148 | SH | SOLE | 2,942 | 0 | 206 | ||
Honeywell International Inc. | Common Stock | 438516106 | 766 | 5,300 | SH | SOLE | 4,594 | 0 | 706 | ||
Illinois Tool Works Inc. | Common Stock | 452308109 | 454 | 2,598 | SH | SOLE | 1,028 | 0 | 1,570 | ||
Intel Corp. | Common Stock | 458140100 | 2,652 | 44,333 | SH | SOLE | 31,739 | 800 | 11,794 | ||
International Business Machines Corp. | Common Stock | 459200101 | 245 | 2,027 | SH | SOLE | 1,547 | 0 | 480 | ||
INVESTORS BANCORP INC NEW | Common Stock | 46146L101 | 89 | 10,455 | SH | SOLE | 10,455 | 0 | 0 | ||
IShares Core S&P 500 ETF | Exchange Traded Fund | 464287200 | 1,012 | 3,268 | SH | SOLE | 2,293 | 0 | 975 | ||
IShares Core US Aggregate Bond Fund | Fixed Income ETF | 464287226 | 449 | 3,801 | SH | SOLE | 3,651 | 0 | 150 | ||
IShares Inc. Core MSCI Emerging Markets ETF | International Equity ETF | 46434G103 | 2,604 | 54,708 | SH | SOLE | 50,369 | 0 | 4,339 | ||
IShares Inc. TR Core MSCI EAFE ETF | International Equity ETF | 46432F842 | 9,479 | 165,838 | SH | SOLE | 152,862 | 3,075 | 9,901 | ||
IShares NASDAQ Biotechnology TR | Exchange Traded Fund | 464287556 | 516 | 3,775 | SH | SOLE | 3,525 | 250 | 0 | ||
IShares S&P Small Cap 600 Value ETF | Exchange Traded Fund | 464287879 | 213 | 1,768 | SH | SOLE | 1,568 | 0 | 200 | ||
IShares TR Core S&P Mid Cap ETF | Exchange Traded Fund | 464287507 | 2,074 | 11,663 | SH | SOLE | 9,763 | 0 | 1,900 | ||
IShares TR Core S&P Small Cap ETF | Exchange Traded Fund | 464287804 | 1,243 | 18,195 | SH | SOLE | 16,605 | 650 | 940 | ||
IShares TR Core S&P Total US Stock Market ETF | Exchange Traded Fund | 464287150 | 2,290 | 32,980 | SH | SOLE | 31,460 | 0 | 1,520 | ||
IShares TR Min Vol USA ETF | Exchange Traded Fund | 46429B697 | 4,174 | 68,843 | SH | SOLE | 62,323 | 3,000 | 3,520 | ||
IShares TR MSCI EAFE ETF | International Equity ETF | 464287465 | 886 | 14,558 | SH | SOLE | 13,143 | 0 | 1,415 | ||
IShares TR MSCI Emerging Markets ETF | International Equity ETF | 464287234 | 242 | 6,041 | SH | SOLE | 6,041 | 0 | 0 | ||
IShares TR MSCI Min Vol EAFE ETF | Exchange Traded Fund | 46429B689 | 525 | 7,950 | SH | SOLE | 7,022 | 0 | 928 | ||
ISHARES TR RUS 1000 GRW ETF | Exchange Traded Fund | 464287614 | 246 | 1,284 | SH | SOLE | 326 | 0 | 958 | ||
IShares TR Russell 2000 ETF | Exchange Traded Fund | 464287655 | 624 | 4,360 | SH | SOLE | 4,185 | 0 | 175 | ||
IShares TR Russell 3000 ETF | Exchange Traded Fund | 464287689 | 2,573 | 14,287 | SH | SOLE | 12,887 | 1,100 | 300 | ||
IShares TR Russell Mid Cap ETF | Exchange Traded Fund | 464287499 | 835 | 15,572 | SH | SOLE | 12,027 | 0 | 3,545 | ||
IShares TR Russell Mid Cap Growth ETF | Exchange Traded Fund | 464287481 | 633 | 4,003 | SH | SOLE | 4,003 | 0 | 0 | ||
IShares TR Russell Mid Cap Value ETF | Exchange Traded Fund | 464287473 | 378 | 4,945 | SH | SOLE | 4,945 | 0 | 0 | ||
IShares TR Select Dividend ETF | Exchange Traded Fund | 464287168 | 218 | 2,703 | SH | SOLE | 2,049 | 0 | 654 | ||
IShares TR TIPS Bond ETF | Fixed Income ETF | 464287176 | 582 | 4,730 | SH | SOLE | 4,730 | 0 | 0 | ||
IShares TR US Home Construction ETF | Exchange Traded Fund | 464288752 | 216 | 4,885 | SH | SOLE | 3,185 | 1,000 | 700 | ||
Johnson & Johnson | Common Stock | 478160104 | 2,345 | 16,673 | SH | SOLE | 13,781 | 250 | 2,642 | ||
JP Morgan Chase Co. | Common Stock | 46625H100 | 1,324 | 14,077 | SH | SOLE | 12,198 | 0 | 1,879 | ||
KEYCORP NEW | Common Stock | 493267108 | 403 | 33,116 | SH | SOLE | 33,116 | 0 | 0 | ||
Kroger Co. | Common Stock | 501044101 | 339 | 10,026 | SH | SOLE | 7,851 | 0 | 2,175 | ||
Lam Research Corp. | Common Stock | 512807108 | 866 | 2,678 | SH | SOLE | 2,340 | 150 | 188 | ||
LCNB Corp. | Common Stock | 50181P100 | 4,421 | 277,010 | SH | SOLE | 266,810 | 0 | 10,200 | ||
LCNB Corp. | Common Stock | 50181P100 | 4,402 | 275,840 | SH | OTR | 275,840 | 0 | 0 | ||
Linde PLC | Int'l Common Stock | G5494J103 | 495 | 2,332 | SH | SOLE | 699 | 0 | 1,633 | ||
Lockheed Martin Corp. | Common Stock | 539830109 | 1,108 | 3,037 | SH | SOLE | 2,830 | 100 | 107 | ||
Lowes Co Inc. | Common Stock | 548661107 | 1,659 | 12,276 | SH | SOLE | 8,330 | 0 | 3,946 | ||
Mastercard Inc. | Common Stock | 57636Q104 | 776 | 2,624 | SH | SOLE | 1,245 | 0 | 1,379 | ||
McCormick Co Inc. | Common Stock | 579780206 | 478 | 2,665 | SH | SOLE | 2,415 | 0 | 250 | ||
McDonalds Corp. | Common Stock | 580135101 | 1,084 | 5,874 | SH | SOLE | 4,891 | 0 | 983 | ||
Medtronic PLC | Int'l Common Stock | G5960L103 | 520 | 5,669 | SH | SOLE | 4,255 | 0 | 1,414 | ||
Merck and Co Inc. | Common Stock | 58933Y105 | 818 | 10,580 | SH | SOLE | 9,722 | 0 | 858 | ||
Microsoft Corp. | Common Stock | 594918104 | 6,764 | 33,237 | SH | SOLE | 25,153 | 0 | 8,084 | ||
Mondelez International Inc | Common Stock | 609207105 | 368 | 7,207 | SH | SOLE | 6,463 | 0 | 744 | ||
NextEra Energy Inc. | Common Stock | 65339F101 | 659 | 2,743 | SH | SOLE | 2,283 | 0 | 460 | ||
Nike Inc. | Common Stock | 654106103 | 1,303 | 13,290 | SH | SOLE | 11,072 | 0 | 2,218 | ||
Norfolk Southern Corp. | Common Stock | 655844108 | 413 | 2,355 | SH | SOLE | 1,635 | 0 | 720 | ||
Novartis AG ADR | Int'l Common Stock | 66987V109 | 1,125 | 12,879 | SH | SOLE | 10,046 | 450 | 2,383 | ||
NVIDIA Corp. | Common Stock | 67066G104 | 293 | 771 | SH | SOLE | 721 | 0 | 50 | ||
Oracle Corporation | Common Stock | 68389X105 | 511 | 9,239 | SH | SOLE | 7,641 | 0 | 1,598 | ||
PayPal Holdings Inc. | Common Stock | 70450Y103 | 512 | 2,938 | SH | SOLE | 2,338 | 400 | 200 | ||
PEOPLES UNITED FINANCIAL INC | Common Stock | 712704105 | 157 | 13,595 | SH | SOLE | 13,595 | 0 | 0 | ||
Pepsico Inc. | Common Stock | 713448108 | 2,045 | 15,463 | SH | SOLE | 12,729 | 0 | 2,734 | ||
Pfizer Inc. | Common Stock | 717081103 | 1,119 | 34,222 | SH | SOLE | 29,328 | 1,000 | 3,894 | ||
Phillips 66 | Common Stock | 718546104 | 264 | 3,675 | SH | SOLE | 3,515 | 0 | 160 | ||
PNC Financial Services Group Inc. | Common Stock | 693475105 | 248 | 2,356 | SH | SOLE | 2,113 | 0 | 243 | ||
Procter & Gamble Co. | Common Stock | 742718109 | 7,832 | 65,501 | SH | SOLE | 62,477 | 400 | 2,624 | ||
Procter & Gamble Co. | Common Stock | 742718109 | 191 | 1,600 | SH | OTR | 1,600 | 0 | 0 | ||
Prudential Financial Inc. | Common Stock | 744320102 | 232 | 3,810 | SH | SOLE | 2,985 | 200 | 625 | ||
Regions Financial Corp. | Common Stock | 7591EP100 | 118 | 10,604 | SH | SOLE | 9,604 | 0 | 1,000 | ||
Schwab US Large Cap Growth ETF | Exchange Traded Fund | 808524300 | 3,273 | 32,234 | SH | SOLE | 31,124 | 0 | 1,110 | ||
Schwab US Large Cap Value ETF | Exchange Traded Fund | 808524409 | 2,990 | 59,678 | SH | SOLE | 57,634 | 0 | 2,044 | ||
Southern Co. | Common Stock | 842587107 | 467 | 9,003 | SH | SOLE | 8,156 | 0 | 847 | ||
SPDR Gold TR | Exchange Traded Fund | 78463V107 | 1,021 | 6,102 | SH | SOLE | 5,665 | 0 | 437 | ||
SPDR S&P 500 Trust ETF | Exchange Traded Fund | 78462F103 | 3,133 | 10,161 | SH | SOLE | 10,161 | 0 | 0 | ||
SPDR S&P Mid Cap 400 ETF TR | Exchange Traded Fund | 78467Y107 | 553 | 1,705 | SH | SOLE | 1,600 | 0 | 105 | ||
Starbucks Corp. | Common Stock | 855244109 | 1,049 | 14,255 | SH | SOLE | 11,714 | 500 | 2,041 | ||
Stryker Corp. | Common Stock | 863667101 | 221 | 1,229 | SH | SOLE | 839 | 0 | 390 | ||
T Rowe Price Group Inc. | Common Stock | 74144T108 | 980 | 7,934 | SH | SOLE | 6,551 | 284 | 1,099 | ||
Technology Select Sector SPDR TR | Exchange Traded Fund | 81369Y803 | 1,485 | 14,210 | SH | SOLE | 14,210 | 0 | 0 | ||
Texas Instruments Inc. | Common Stock | 882508104 | 345 | 2,719 | SH | SOLE | 2,046 | 0 | 673 | ||
TFS FINL CORP | Common Stock | 87240R107 | 283 | 19,800 | SH | SOLE | 19,800 | 0 | 0 | ||
TJX Companies Inc. | Common Stock | 872540109 | 915 | 18,106 | SH | SOLE | 7,691 | 0 | 10,415 | ||
Tractor Supply Co. | Common Stock | 892356106 | 362 | 2,745 | SH | SOLE | 2,360 | 0 | 385 | ||
U.S. Bancorp | Common Stock | 902973304 | 1,501 | 40,757 | SH | SOLE | 34,571 | 800 | 5,386 | ||
Union Pacific Corp. | Common Stock | 907818108 | 300 | 1,777 | SH | SOLE | 1,684 | 0 | 93 | ||
United Parcel Service Inc | Common Stock | 911312106 | 631 | 5,676 | SH | SOLE | 4,690 | 296 | 690 | ||
United Technologies Corp | Common Stock | 75513E101 | 545 | 8,842 | SH | SOLE | 5,397 | 287 | 3,158 | ||
V F Corp. | Common Stock | 918204108 | 214 | 3,509 | SH | SOLE | 2,044 | 0 | 1,465 | ||
Vanguard High Dividend Yield Fund | Exchange Traded Fund | 921946406 | 303 | 3,840 | SH | SOLE | 1,195 | 0 | 2,645 | ||
Vanguard Intermediate Term Bond Index Fund Inc. | Fixed Income ETF | 921937819 | 1,364 | 14,635 | SH | SOLE | 13,435 | 0 | 1,200 | ||
Vanguard International Equity Index Fund | International Equity ETF | 922042858 | 222 | 5,600 | SH | SOLE | 5,390 | 0 | 210 | ||
Verizon Communications Inc. | Common Stock | 92343V104 | 1,020 | 18,509 | SH | SOLE | 12,267 | 519 | 5,723 | ||
Verizon Communications Inc. | Common Stock | 92343V104 | 91 | 1,646 | SH | OTR | 1,646 | 0 | 0 | ||
Visa Inc | Common Stock | 92826C839 | 468 | 2,425 | SH | SOLE | 2,032 | 0 | 393 | ||
Walmart Inc. | Common Stock | 931142103 | 361 | 3,015 | SH | SOLE | 2,665 | 0 | 350 | ||
Welltower Inc. | Common Stock | 95040Q104 | 245 | 4,735 | SH | SOLE | 4,416 | 0 | 319 | ||
WestRock Co. | Common Stock | 96145D105 | 391 | 13,830 | SH | SOLE | 13,455 | 0 | 375 | ||
WisdomTree US Total Dividend Fund | Exchange Traded Fund | 97717W109 | 1,001 | 11,104 | SH | SOLE | 7,459 | 750 | 2,895 |