LCNB (LCNB) 13F-HR Quarterly holdings report by institutional manager

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

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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	567	2,943	SH		SOLE		2,193	0	750
Abbott Laboratories	Common Stock	002824100	2,088	17,424	SH		SOLE		11,695	150	5,579
Abbvie Inc.	Common Stock	00287Y109	657	6,072	SH		SOLE		3,138	0	2,934
Accenture PLC	Int'l Common Stock	G1151C101	1,090	3,945	SH		SOLE		2,150	0	1,795
Alibaba Group Holding Ltd	Int'l Common Stock	01609W102	301	1,329	SH		SOLE		1,325	0	4
Alphabet Inc.	Common Stock	02079K107	2,830	1,368	SH		SOLE		986	40	342
Alphabet Inc.	Common Stock	02079K305	2,778	1,347	SH		SOLE		1,129	0	218
Amazon.com Inc	Common Stock	023135106	1,949	630	SH		SOLE		595	0	35
American Express Co.	Common Stock	025816109	223	1,577	SH		SOLE		1,482	0	95
Amgen Inc.	Common Stock	031162100	1,305	5,245	SH		SOLE		2,825	0	2,420
Analog Devices Inc.	Common Stock	032654105	538	3,469	SH		SOLE		1,836	0	1,633
Apple Inc.	Common Stock	037833100	4,307	35,257	SH		SOLE		24,270	300	10,687
AT&T Inc.	Common Stock	00206R102	945	31,235	SH		SOLE		26,546	0	4,689
Automatic Data Processing	Common Stock	053015103	1,042	5,531	SH		SOLE		4,019	0	1,512
Bank of America Corp.	Common Stock	060505104	420	10,848	SH		SOLE		10,327	0	521
Baxter International Inc.	Common Stock	071813109	617	7,310	SH		SOLE		3,705	0	3,605
Berkshire Hathaway Inc.	Common Stock	084670702	1,149	4,499	SH		SOLE		1,809	0	2,690
Blackrock Inc.	Common Stock	09247X101	668	886	SH		SOLE		651	100	135
Boeing Co.	Common Stock	097023105	652	2,559	SH		SOLE		2,069	0	490
Booking Holdings Inc.	Common Stock	09857L108	261	112	SH		SOLE		72	20	20
Bristol-Myers Squibb Co	Common Stock	110122108	566	8,971	SH		SOLE		5,880	0	3,091
Broadcom Ltd.	Common Stock	11135F101	1,429	3,081	SH		SOLE		2,472	200	409
C H Robinson Worldwide Inc.	Common Stock	12541W209	652	6,835	SH		SOLE		6,535	0	300
Cardinal Health Inc.	Common Stock	14149Y108	389	6,401	SH		SOLE		5,475	0	926
Caterpillar Inc.	Common Stock	149123101	508	2,190	SH		SOLE		2,042	0	148
Chevron Corporation	Common Stock	166764100	1,948	18,589	SH		SOLE		18,004	0	585
Chubb Ltd	Common Stock	H1467J104	238	1,506	SH		SOLE		243	0	1,263
Cincinnati Financial Corp	Common Stock	172062101	2,680	25,996	SH		SOLE		25,996	0	0
Cintas Corp.	Common Stock	172908105	512	1,500	SH		SOLE		1,500	0	0
Cisco Systems Inc.	Common Stock	17275R102	764	14,776	SH		SOLE		13,990	0	786
Citigroup Inc.	Common Stock	172967424	416	5,724	SH		SOLE		4,606	700	418
Coca-Cola Company	Common Stock	191216100	903	17,127	SH		SOLE		15,479	0	1,648
Comcast Corp.	Common Stock	20030N101	286	5,277	SH		SOLE		4,200	0	1,077
Concentrix Corp	Common Stock	20602D101	204	1,364	SH		SOLE		1,364	0	0
CULLEN FROST BANKERS INC	Common Stock	229899109	294	2,700	SH		SOLE		400	0	2,300
CVS Health Corporation	Common Stock	126650100	275	3,652	SH		SOLE		3,002	0	650
Danaher Corp.	Common Stock	235851102	488	2,168	SH		SOLE		1,868	300	0
DBX Xtrackers MSCI EAFE Hedged Equity ETF TR	International Equity ETF	233051200	916	25,216	SH		SOLE		21,655	1,150	2,411
Deere & Co.	Common Stock	244199105	653	1,744	SH		SOLE		819	0	925
DIAGEO PLC SPONSORED A D R	Int'l Common Stock	25243Q205	335	2,039	SH		SOLE		577	0	1,462
Disney Walt Co.	Common Stock	254687106	2,516	13,633	SH		SOLE		9,496	0	4,137
Dominion Energy Inc.	Common Stock	25746U109	225	2,963	SH		SOLE		2,763	0	200
Duke Energy Holding Corp.	Common Stock	26441C204	875	9,061	SH		SOLE		5,963	0	3,098
Eaton Corp.	Common Stock	G29183103	1,032	7,464	SH		SOLE		6,578	0	886
ECOLAB INC	Common Stock	278865100	208	972	SH		SOLE		915	0	57
Eli Lilly Co.	Common Stock	532457108	486	2,600	SH		SOLE		2,450	0	150
Emerson Electric Co.	Common Stock	291011104	641	7,102	SH		SOLE		6,452	0	650
Enbridge Inc.	Int'l Common Stock	29250N105	995	27,342	SH		SOLE		11,651	0	15,691
ESSA BANCORP INC	Common Stock	29667D104	240	15,000	SH		SOLE		15,000	0	0
Exxon Mobil Corp.	Common Stock	30231G102	673	12,054	SH		SOLE		10,708	0	1,346
Fed Ex Corp.	Common Stock	31428X106	856	3,013	SH		SOLE		1,476	0	1,537
Financial Select Sector SPDR TR	Exchange Traded Fund	81369Y605	339	9,950	SH		SOLE		9,950	0	0
First Financial Bancorp	Common Stock	320209109	497	20,696	SH		SOLE		20,696	0	0
Fiserv Inc.	Common Stock	337738108	259	2,175	SH		SOLE		2,175	0	0
General Dynamics Corp.	Common Stock	369550108	249	1,372	SH		SOLE		1,372	0	0
General Mills Inc.	Common Stock	370334104	979	15,973	SH		SOLE		13,859	700	1,414
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	972	8,325	SH		SOLE		8,325	0	0
Hershey Company	Common Stock	427866108	1,355	8,570	SH		SOLE		8,570	0	0
Home Depot Inc.	Common Stock	437076102	938	3,073	SH		SOLE		2,924	0	149
Honeywell International Inc.	Common Stock	438516106	1,088	5,011	SH		SOLE		4,525	0	486
Illinois Tool Works Inc.	Common Stock	452308109	630	2,843	SH		SOLE		1,503	0	1,340
Intel Corp.	Common Stock	458140100	2,208	34,497	SH		SOLE		28,791	800	4,906
International Business Machines Corp.	Common Stock	459200101	325	2,441	SH		SOLE		2,036	0	405
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	564	1,767	SH		SOLE		1,767	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	4,813	33,976	SH		SOLE		28,854	3,000	2,122
INVESTORS BANCORP INC NEW	Common Stock	46146L101	154	10,455	SH		SOLE		10,455	0	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	853	2,143	SH		SOLE		2,143	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	288	2,529	SH		SOLE		2,529	0	0
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	1,752	25,324	SH		SOLE		22,667	0	2,657
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	3,169	49,243	SH		SOLE		46,229	0	3,014
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	11,649	161,680	SH		SOLE		150,236	2,700	8,744
IShares MSCI EAFE Min Volatility	Exchange Traded Fund	46429B689	568	7,788	SH		SOLE		6,858	0	930
IShares NASDAQ Biotechnology TR	Exchange Traded Fund	464287556	537	3,570	SH		SOLE		3,320	250	0
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	243	1,720	SH		SOLE		1,720	0	0
IShares S&P Small Cap 600 Value ETF	Exchange Traded Fund	464287879	258	2,560	SH		SOLE		2,560	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	2,535	9,740	SH		SOLE		9,175	0	565
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,945	17,924	SH		SOLE		16,554	650	720
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	3,042	33,210	SH		SOLE		32,460	0	750
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	958	12,625	SH		SOLE		11,210	0	1,415
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	336	6,291	SH		SOLE		6,291	0	0
ISHARES TR RUS 1000 GRW ETF	Exchange Traded Fund	464287614	312	1,284	SH		SOLE		326	0	958
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	618	2,795	SH		SOLE		2,620	0	175
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	2,797	11,792	SH		SOLE		11,392	100	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,109	15,004	SH		SOLE		11,459	0	3,545
IShares TR Russell Mid Cap Growth ETF	Exchange Traded Fund	464287481	508	4,980	SH		SOLE		4,980	0	0
IShares TR Russell Mid Cap Value ETF	Exchange Traded Fund	464287473	312	2,853	SH		SOLE		2,853	0	0
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	251	2,203	SH		SOLE		1,549	0	654
IShares TR TIPS Bond ETF	Fixed Income ETF	464287176	612	4,880	SH		SOLE		4,880	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	332	4,885	SH		SOLE		3,185	1,000	700
IShares TR US Real Estate ETF	Exchange Traded Fund	464287739	249	2,707	SH		SOLE		2,707	0	0
Johnson & Johnson	Common Stock	478160104	2,574	15,660	SH		SOLE		12,968	250	2,442
JP Morgan Chase Co.	Common Stock	46625H100	2,054	13,490	SH		SOLE		11,636	0	1,854
Kansas City Southern	Common Stock	485170302	205	776	SH		SOLE		126	0	650
Kroger Co.	Common Stock	501044101	516	14,350	SH		SOLE		12,675	0	1,675
Lam Research Corp.	Common Stock	512807108	1,368	2,298	SH		SOLE		2,030	100	168
LCNB Corp.	Common Stock	50181P100	4,412	252,110	SH		SOLE		241,910	0	10,200
LCNB Corp.	Common Stock	50181P100	4,827	275,840	SH		OTR		275,840	0	0
Linde PLC	Int'l Common Stock	G5494J103	540	1,927	SH		SOLE		444	0	1,483
Lockheed Martin Corp.	Common Stock	539830109	979	2,649	SH		SOLE		2,442	100	107
Lowes Co Inc.	Common Stock	548661107	2,213	11,636	SH		SOLE		8,380	0	3,256
Mastercard Inc.	Common Stock	57636Q104	794	2,231	SH		SOLE		1,065	0	1,166
McCormick Co Inc.	Common Stock	579780206	466	5,230	SH		SOLE		4,730	0	500
McDonalds Corp.	Common Stock	580135101	1,204	5,373	SH		SOLE		4,390	0	983
Medtronic PLC	Int'l Common Stock	G5960L103	575	4,869	SH		SOLE		3,755	0	1,114
Merck and Co Inc.	Common Stock	58933Y105	761	9,869	SH		SOLE		9,111	0	758
Microsoft Corp.	Common Stock	594918104	6,984	29,622	SH		SOLE		22,301	0	7,321
Mondelez International Inc	Common Stock	609207105	399	6,813	SH		SOLE		6,069	0	744
NextEra Energy Inc.	Common Stock	65339F101	759	10,042	SH		SOLE		8,342	0	1,700
Nike Inc.	Common Stock	654106103	1,614	12,146	SH		SOLE		9,928	0	2,218
Norfolk Southern Corp.	Common Stock	655844108	598	2,228	SH		SOLE		1,508	0	720
Novartis AG ADR	Int'l Common Stock	66987V109	1,042	12,187	SH		SOLE		9,446	450	2,291
NVIDIA Corp.	Common Stock	67066G104	415	778	SH		SOLE		728	0	50
NXP Semiconductors	Int'l Common Stock	N6596X109	200	994	SH		SOLE		994	0	0
Oracle Corporation	Common Stock	68389X105	535	7,621	SH		SOLE		6,733	0	888
PayPal Holdings Inc.	Common Stock	70450Y103	653	2,688	SH		SOLE		2,188	300	200
PEOPLES UNITED FINANCIAL INC	Common Stock	712704105	243	13,595	SH		SOLE		13,595	0	0
Pepsico Inc.	Common Stock	713448108	2,061	14,567	SH		SOLE		11,933	0	2,634
Pfizer Inc.	Common Stock	717081103	1,155	31,871	SH		SOLE		27,687	1,000	3,184
Phillips 66	Common Stock	718546104	236	2,890	SH		SOLE		2,730	0	160
PNC Financial Services Group Inc.	Common Stock	693475105	413	2,356	SH		SOLE		2,113	0	243
Procter & Gamble Co.	Common Stock	742718109	7,268	53,666	SH		SOLE		50,752	400	2,514
Procter & Gamble Co.	Common Stock	742718109	217	1,600	SH		OTR		1,600	0	0
Prudential Financial Inc.	Common Stock	744320102	567	6,225	SH		SOLE		5,600	200	425
Putnam Managed Municipal Income Trust	Fixed Income ETF	746823103	168	20,565	SH		SOLE		20,565	0	0
Regions Financial Corp.	Common Stock	7591EP100	219	10,604	SH		SOLE		9,604	0	1,000
Roku Inc.	Common Stock	77543R102	368	1,130	SH		SOLE		1,130	0	0
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	4,903	37,779	SH		SOLE		36,413	0	1,366
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	4,912	75,240	SH		SOLE		72,636	0	2,604
Southern Co.	Common Stock	842587107	558	8,978	SH		SOLE		8,131	0	847
SPDR Gold TR	Exchange Traded Fund	78463V107	1,328	8,299	SH		SOLE		7,362	0	937
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	4,111	10,373	SH		SOLE		10,373	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	945	1,985	SH		SOLE		1,885	0	100
Starbucks Corp.	Common Stock	855244109	1,451	13,279	SH		SOLE		11,238	500	1,541
Stryker Corp.	Common Stock	863667101	248	1,019	SH		SOLE		839	0	180
Sysco Corp.	Common Stock	871829107	226	2,865	SH		SOLE		2,290	0	575
T Rowe Price Group Inc.	Common Stock	74144T108	1,312	7,648	SH		SOLE		6,565	284	799
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	1,682	12,663	SH		SOLE		12,663	0	0
Tesla Inc.	Common Stock	88160R101	1,202	1,800	SH		SOLE		1,800	0	0
Texas Instruments Inc.	Common Stock	882508104	439	2,324	SH		SOLE		1,868	0	456
TFS FINL CORP	Common Stock	87240R107	265	13,000	SH		SOLE		13,000	0	0
TJX Companies Inc.	Common Stock	872540109	1,226	18,529	SH		SOLE		8,114	0	10,415
Tractor Supply Co.	Common Stock	892356106	436	2,460	SH		SOLE		2,320	0	140
U.S. Bancorp	Common Stock	902973304	2,218	40,093	SH		SOLE		35,477	800	3,816
Union Pacific Corp.	Common Stock	907818108	392	1,777	SH		SOLE		1,684	0	93
United Parcel Service Inc	Common Stock	911312106	920	5,414	SH		SOLE		4,580	296	538
United/Raytheon Technologies Corp	Common Stock	75513E101	540	6,989	SH		SOLE		5,054	287	1,648
V F Corp.	Common Stock	918204108	277	3,469	SH		SOLE		2,044	0	1,425
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	388	3,840	SH		SOLE		1,195	0	2,645
Vanguard Intermediate Term Bond Index Fund Inc.	Fixed Income ETF	921937819	1,188	13,385	SH		SOLE		13,285	0	100
Vanguard International Equity Index Fund	International Equity ETF	922042858	291	5,600	SH		SOLE		5,390	0	210
Verizon Communications Inc.	Common Stock	92343V104	938	16,124	SH		SOLE		9,882	519	5,723
Verizon Communications Inc.	Common Stock	92343V104	96	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	312	1,474	SH		SOLE		1,092	0	382
Walmart Inc.	Common Stock	931142103	467	3,441	SH		SOLE		3,091	0	350
Welltower Inc.	Common Stock	95040Q104	339	4,735	SH		SOLE		4,416	0	319
WestRock Co.	Common Stock	96145D105	968	18,588	SH		SOLE		18,013	0	575
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,087	9,619	SH		SOLE		6,869	400	2,350