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	624	3,143	SH		SOLE		2,393	0	750
Abbott Laboratories	Common Stock	002824100	2,043	17,624	SH		SOLE		11,595	150	5,879
Abbvie Inc.	Common Stock	00287Y109	684	6,072	SH		SOLE		3,138	0	2,934
Accenture PLC	Int'l Common Stock	G1151C101	1,162	3,941	SH		SOLE		2,146	0	1,795
Alibaba Group Holding Ltd	Int'l Common Stock	01609W102	557	2,455	SH		SOLE		2,205	0	250
Alphabet Inc.	Common Stock	02079K107	3,491	1,393	SH		SOLE		1,016	40	337
Alphabet Inc.	Common Stock	02079K305	3,296	1,350	SH		SOLE		1,122	0	228
Amazon.com Inc	Common Stock	023135106	2,105	612	SH		SOLE		587	0	25
American Express Co.	Common Stock	025816109	261	1,577	SH		SOLE		1,482	0	95
American Tower REIT	Common Stock	03027X100	213	790	SH		SOLE		427	0	363
Amgen Inc.	Common Stock	031162100	1,327	5,445	SH		SOLE		3,025	0	2,420
Analog Devices Inc.	Common Stock	032654105	597	3,469	SH		SOLE		1,836	0	1,633
Apple Inc.	Common Stock	037833100	4,882	35,644	SH		SOLE		24,482	300	10,862
AT&T Inc.	Common Stock	00206R102	913	31,707	SH		SOLE		26,858	0	4,849
Automatic Data Processing	Common Stock	053015103	1,089	5,481	SH		SOLE		3,969	0	1,512
Bank of America Corp.	Common Stock	060505104	478	11,598	SH		SOLE		10,327	0	1,271
Baxter International Inc.	Common Stock	071813109	588	7,310	SH		SOLE		3,705	0	3,605
Berkshire Hathaway Inc.	Common Stock	084670702	1,171	4,212	SH		SOLE		1,809	0	2,403
Blackrock Inc.	Common Stock	09247X101	771	881	SH		SOLE		646	100	135
Boeing Co.	Common Stock	097023105	661	2,759	SH		SOLE		2,269	0	490
Booking Holdings Inc.	Common Stock	09857L108	247	113	SH		SOLE		71	20	22
Bristol-Myers Squibb Co	Common Stock	110122108	606	9,071	SH		SOLE		5,880	0	3,191
Broadcom Ltd.	Common Stock	11135F101	1,467	3,076	SH		SOLE		2,417	200	459
C H Robinson Worldwide Inc.	Common Stock	12541W209	636	6,785	SH		SOLE		6,485	0	300
Cardinal Health Inc.	Common Stock	14149Y108	400	7,001	SH		SOLE		6,075	0	926
Caterpillar Inc.	Common Stock	149123101	516	2,370	SH		SOLE		2,027	0	343
Chevron Corporation	Common Stock	166764100	1,941	18,527	SH		SOLE		18,117	0	410
Chubb Ltd	Common Stock	H1467J104	239	1,506	SH		SOLE		243	0	1,263
Cigna Corp.	Common Stock	125523100	207	875	SH		SOLE		875	0	0
Cincinnati Financial Corp	Common Stock	172062101	3,068	26,306	SH		SOLE		26,306	0	0
Cintas Corp.	Common Stock	172908105	571	1,495	SH		SOLE		1,495	0	0
Cisco Systems Inc.	Common Stock	17275R102	815	15,376	SH		SOLE		14,590	0	786
Citigroup Inc.	Common Stock	172967424	536	7,574	SH		SOLE		6,206	700	668
Coca-Cola Company	Common Stock	191216100	940	17,377	SH		SOLE		15,579	0	1,798
Comcast Corp.	Common Stock	20030N101	295	5,177	SH		SOLE		4,100	0	1,077
Concentrix Corp	Common Stock	20602D101	219	1,364	SH		SOLE		1,364	0	0
CULLEN FROST BANKERS INC	Common Stock	229899109	302	2,700	SH		SOLE		400	0	2,300
CVS Health Corporation	Common Stock	126650100	290	3,477	SH		SOLE		2,827	0	650
Danaher Corp.	Common Stock	235851102	535	1,993	SH		SOLE		1,693	300	0
Deere & Co.	Common Stock	244199105	587	1,665	SH		SOLE		819	0	846
DIAGEO PLC SPONSORED A D R	Int'l Common Stock	25243Q205	376	1,959	SH		SOLE		577	0	1,382
Disney Walt Co.	Common Stock	254687106	2,545	14,478	SH		SOLE		10,066	0	4,412
Dominion Energy Inc.	Common Stock	25746U109	218	2,963	SH		SOLE		2,763	0	200
Duke Energy Holding Corp.	Common Stock	26441C204	1,013	10,261	SH		SOLE		7,163	0	3,098
DuPont de Nemours Inc.	Common Stock	26614N102	205	2,642	SH		SOLE		2,609	0	33
Eaton Corp.	Int'l Common Stock	G29183103	1,136	7,664	SH		SOLE		6,528	0	1,136
Ecolab Inc.	Common Stock	278865100	200	972	SH		SOLE		915	0	57
Eli Lilly Co.	Common Stock	532457108	614	2,675	SH		SOLE		2,425	0	250
Emerson Electric Co.	Common Stock	291011104	727	7,552	SH		SOLE		6,552	0	1,000
Enbridge Inc.	Int'l Common Stock	29250N105	1,062	26,525	SH		SOLE		10,834	0	15,691
ESSA BANCORP INC	Common Stock	29667D104	246	15,000	SH		SOLE		15,000	0	0
Exxon Mobil Corp.	Common Stock	30231G102	763	12,096	SH		SOLE		10,550	0	1,546
Fed Ex Corp.	Common Stock	31428X106	882	2,958	SH		SOLE		1,421	0	1,537
Fifth Third Bancorp	Common Stock	316773100	205	5,350	SH		SOLE		496	0	4,854
Financial Select Sector SPDR TR	Exchange Traded Fund	81369Y605	420	11,450	SH		SOLE		11,450	0	0
First Financial Bancorp	Common Stock	320209109	489	20,696	SH		SOLE		20,696	0	0
Fiserv Inc.	Common Stock	337738108	232	2,175	SH		SOLE		2,175	0	0
General Dynamics Corp.	Common Stock	369550108	258	1,372	SH		SOLE		1,372	0	0
General Mills Inc.	Common Stock	370334104	978	16,048	SH		SOLE		13,834	700	1,514
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	925	52,572	SH		SOLE		50,665	0	1,907
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,049	8,325	SH		SOLE		8,325	0	0
Hershey Company	Common Stock	427866108	1,493	8,570	SH		SOLE		8,570	0	0
Home Depot Inc.	Common Stock	437076102	966	3,028	SH		SOLE		2,879	0	149
Honeywell International Inc.	Common Stock	438516106	1,116	5,086	SH		SOLE		4,600	0	486
Illinois Tool Works Inc.	Common Stock	452308109	624	2,793	SH		SOLE		1,453	0	1,340
Intel Corp.	Common Stock	458140100	2,075	36,967	SH		SOLE		30,786	800	5,381
International Business Machines Corp.	Common Stock	459200101	368	2,511	SH		SOLE		2,036	0	475
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	626	1,767	SH		SOLE		1,767	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	6,222	41,280	SH		SOLE		34,910	3,000	3,370
INVESTORS BANCORP INC NEW	Common Stock	46146L101	149	10,455	SH		SOLE		10,455	0	0
IShares Biotechnology ETF	Exchange Traded Fund	464287556	584	3,570	SH		SOLE		3,320	250	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	917	2,133	SH		SOLE		2,133	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	315	2,729	SH		SOLE		2,729	0	0
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	1,230	16,711	SH		SOLE		14,186	0	2,525
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	3,327	49,662	SH		SOLE		46,712	0	2,950
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	13,463	179,836	SH		SOLE		164,998	3,264	11,574
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	254	1,720	SH		SOLE		1,720	0	0
IShares S&P Small Cap 600 Value ETF	Exchange Traded Fund	464287879	270	2,560	SH		SOLE		2,560	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	2,792	10,388	SH		SOLE		9,038	0	1,350
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	2,050	18,147	SH		SOLE		16,577	650	920
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	3,280	33,210	SH		SOLE		32,460	0	750
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	961	12,185	SH		SOLE		10,770	0	1,415
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	339	6,141	SH		SOLE		6,141	0	0
ISHARES TR RUS 1000 GRW ETF	Exchange Traded Fund	464287614	348	1,284	SH		SOLE		326	0	958
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	756	3,295	SH		SOLE		3,120	0	175
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	2,973	11,617	SH		SOLE		11,217	100	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,161	14,655	SH		SOLE		11,434	0	3,221
IShares TR Russell Mid Cap Growth ETF	Exchange Traded Fund	464287481	564	4,980	SH		SOLE		4,980	0	0
IShares TR Russell Mid Cap Value ETF	Exchange Traded Fund	464287473	328	2,853	SH		SOLE		2,853	0	0
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	257	2,203	SH		SOLE		1,549	0	654
IShares TR TIPS Bond ETF	Fixed Income ETF	464287176	625	4,880	SH		SOLE		4,880	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	338	4,885	SH		SOLE		3,185	1,000	700
IShares TR US Real Estate ETF	Exchange Traded Fund	464287739	276	2,707	SH		SOLE		2,707	0	0
Johnson & Johnson	Common Stock	478160104	2,689	16,325	SH		SOLE		13,483	250	2,592
JP Morgan Chase Co.	Common Stock	46625H100	2,098	13,490	SH		SOLE		11,636	0	1,854
Kansas City Southern	Common Stock	485170302	220	776	SH		SOLE		126	0	650
Kroger Co.	Common Stock	501044101	588	15,350	SH		SOLE		13,675	0	1,675
Lam Research Corp.	Common Stock	512807108	1,417	2,178	SH		SOLE		1,910	100	168
LCNB Corp.	Common Stock	50181P100	4,115	251,348	SH		SOLE		241,148	0	10,200
LCNB Corp.	Common Stock	50181P100	4,516	275,840	SH		OTR		275,840	0	0
Linde PLC	Int'l Common Stock	G5494J103	557	1,927	SH		SOLE		444	0	1,483
Lockheed Martin Corp.	Common Stock	539830109	1,106	2,924	SH		SOLE		2,717	100	107
Lowes Co Inc.	Common Stock	548661107	2,174	11,206	SH		SOLE		8,305	0	2,901
Mastercard Inc.	Common Stock	57636Q104	815	2,231	SH		SOLE		1,065	0	1,166
McCormick Co Inc.	Common Stock	579780206	428	4,850	SH		SOLE		4,350	0	500
McDonalds Corp.	Common Stock	580135101	1,239	5,363	SH		SOLE		4,380	0	983
Medtronic PLC	Int'l Common Stock	G5960L103	623	5,019	SH		SOLE		3,755	0	1,264
Merck and Co Inc.	Common Stock	58933Y105	884	11,369	SH		SOLE		10,511	0	858
Microsoft Corp.	Common Stock	594918104	7,996	29,517	SH		SOLE		21,929	0	7,588
Mondelez International Inc	Common Stock	609207105	431	6,903	SH		SOLE		6,159	0	744
Morgan Stanley	Common Stock	617446448	206	2,244	SH		SOLE		2,244	0	0
NextEra Energy Inc.	Common Stock	65339F101	718	9,792	SH		SOLE		8,542	0	1,250
Nike Inc.	Common Stock	654106103	1,860	12,041	SH		SOLE		9,878	0	2,163
Norfolk Southern Corp.	Common Stock	655844108	538	2,028	SH		SOLE		1,408	0	620
Novartis AG ADR	Int'l Common Stock	66987V109	1,102	12,073	SH		SOLE		9,407	450	2,216
Nvidia Corp	Common Stock	67066G104	622	778	SH		SOLE		728	0	50
NXP Semiconductors	Int'l Common Stock	N6596X109	218	1,060	SH		SOLE		1,060	0	0
Oracle Corporation	Common Stock	68389X105	613	7,871	SH		SOLE		6,783	0	1,088
PayPal Holdings Inc.	Common Stock	70450Y103	762	2,613	SH		SOLE		2,163	300	150
Pepsico Inc.	Common Stock	713448108	2,138	14,428	SH		SOLE		11,794	0	2,634
Pfizer Inc.	Common Stock	717081103	1,278	32,646	SH		SOLE		28,262	1,000	3,384
Phillips 66	Common Stock	718546104	248	2,890	SH		SOLE		2,730	0	160
PNC Financial Services Group Inc.	Common Stock	693475105	449	2,356	SH		SOLE		2,113	0	243
Procter & Gamble Co.	Common Stock	742718109	7,261	53,816	SH		SOLE		50,702	400	2,714
Procter & Gamble Co.	Common Stock	742718109	216	1,600	SH		OTR		1,600	0	0
Prudential Financial Inc.	Common Stock	744320102	643	6,275	SH		SOLE		5,650	200	425
Putnam Managed Municipal Income Trust	Fixed Income ETF	746823103	180	20,565	SH		SOLE		20,565	0	0
Regions Financial Corp.	Common Stock	7591EP100	226	11,204	SH		SOLE		10,204	0	1,000
Roku Inc.	Common Stock	77543R102	485	1,055	SH		SOLE		1,055	0	0
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	6,808	46,644	SH		SOLE		45,270	0	1,374
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	5,771	84,411	SH		SOLE		81,841	0	2,570
Southern Co.	Common Stock	842587107	540	8,918	SH		SOLE		8,071	0	847
SPDR Gold TR	Exchange Traded Fund	78463V107	1,493	9,017	SH		SOLE		7,730	300	987
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	4,271	9,978	SH		SOLE		9,978	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	965	1,965	SH		SOLE		1,865	0	100
Starbucks Corp.	Common Stock	855244109	1,490	13,323	SH		SOLE		11,183	500	1,640
Stryker Corp.	Common Stock	863667101	262	1,007	SH		SOLE		827	0	180
Sysco Corp.	Common Stock	871829107	232	2,990	SH		SOLE		2,240	0	750
T Rowe Price Group Inc.	Common Stock	74144T108	1,474	7,448	SH		SOLE		6,365	284	799
Target Corporation	Common Stock	87612E106	240	993	SH		SOLE		881	0	112
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	1,814	12,285	SH		SOLE		12,285	0	0
Tesla Inc.	Common Stock	88160R101	1,223	1,800	SH		SOLE		1,800	0	0
Texas Instruments Inc.	Common Stock	882508104	442	2,299	SH		SOLE		1,843	0	456
TFS FINL CORP	Common Stock	87240R107	264	13,000	SH		SOLE		13,000	0	0
TJX Companies Inc.	Common Stock	872540109	1,283	19,029	SH		SOLE		8,614	0	10,415
Tractor Supply Co.	Common Stock	892356106	476	2,560	SH		SOLE		2,420	0	140
U.S. Bancorp	Common Stock	902973304	2,358	41,393	SH		SOLE		36,777	800	3,816
Union Pacific Corp.	Common Stock	907818108	391	1,777	SH		SOLE		1,684	0	93
United Parcel Service Inc	Common Stock	911312106	1,122	5,394	SH		SOLE		4,580	296	518
United/Raytheon Technologies Corp	Common Stock	75513E101	599	7,024	SH		SOLE		5,054	287	1,683
V F Corp.	Common Stock	918204108	285	3,469	SH		SOLE		2,044	0	1,425
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	436	4,165	SH		SOLE		1,520	0	2,645
Vanguard Intermediate Term Bond Index Fund Inc.	Fixed Income ETF	921937819	1,227	13,635	SH		SOLE		13,535	0	100
Vanguard International Equity Index Fund	International Equity ETF	922042858	301	5,545	SH		SOLE		5,390	0	155
Verizon Communications Inc.	Common Stock	92343V104	908	16,206	SH		SOLE		9,964	519	5,723
Verizon Communications Inc.	Common Stock	92343V104	92	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	341	1,459	SH		SOLE		1,077	0	382
Walmart Inc.	Common Stock	931142103	538	3,816	SH		SOLE		3,466	0	350
Welltower Inc.	Common Stock	95040Q104	393	4,735	SH		SOLE		4,416	0	319
WestRock Co.	Common Stock	96145D105	1,021	19,188	SH		SOLE		18,613	0	575
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,116	9,419	SH		SOLE		6,919	400	2,100