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	395,356	3,950	SH		SOLE		3,389	0	561
Abbott Laboratories	Common Stock	002824100	1,848,107	16,952	SH		SOLE		11,573	0	5,379
Abbvie Inc.	Common Stock	00287Y109	1,040,116	7,720	SH		SOLE		4,834	0	2,886
Accenture PLC	Int'l Common Stock	G1151C101	1,192,970	3,866	SH		SOLE		2,135	0	1,731
Activision Blizzard Inc.	Common Stock	00507V109	650,459	7,716	SH		SOLE		7,516	0	200
Aflac Inc.	Common Stock	001055102	231,108	3,311	SH		SOLE		3,311	0	0
Air Products & Chemicals Inc	Common Stock	009158106	357,339	1,193	SH		SOLE		1,175	0	18
Alphabet Inc.	Common Stock	02079K107	3,046,025	25,180	SH		SOLE		18,926	600	5,654
Alphabet Inc.	Common Stock	02079K305	2,798,825	23,382	SH		SOLE		19,572	0	3,810
Amazon.com Inc	Common Stock	023135106	1,745,390	13,389	SH		SOLE		13,089	0	300
American Express Co.	Common Stock	025816109	306,069	1,757	SH		SOLE		1,662	0	95
Amgen Inc.	Common Stock	031162100	1,670,923	7,526	SH		SOLE		5,146	0	2,380
Analog Devices Inc.	Common Stock	032654105	708,914	3,639	SH		SOLE		2,056	0	1,583
Apple Inc.	Common Stock	037833100	7,345,256	37,868	SH		SOLE		28,419	250	9,199
Applied Materials	Common Stock	038222105	380,429	2,632	SH		SOLE		2,632	0	0
Automatic Data Processing	Common Stock	053015103	1,228,406	5,589	SH		SOLE		4,117	0	1,472
Bank of America Corp.	Common Stock	060505104	334,984	11,676	SH		SOLE		11,676	0	0
Becton Dickinson and Co.	Common Stock	075887109	655,009	2,481	SH		SOLE		2,481	0	0
Berkshire Hathaway Inc.	Common Stock	084670702	1,598,949	4,689	SH		SOLE		2,311	0	2,378
Blackrock Inc.	Common Stock	09247X101	357,319	517	SH		SOLE		467	0	50
Blackstone Inc.	Common Stock	09260D107	687,141	7,391	SH		SOLE		6,166	513	712
Boeing Co.	Common Stock	097023105	868,923	4,115	SH		SOLE		3,525	0	590
Booking Holdings Inc.	Common Stock	09857L108	202,525	75	SH		SOLE		45	20	10
BP PLC	Int'l Common Stock	055622104	292,131	8,278	SH		SOLE		8,278	0	0
Bristol-Myers Squibb Co	Common Stock	110122108	464,341	7,261	SH		SOLE		5,471	0	1,790
Broadcom Ltd.	Common Stock	11135F101	2,600,555	2,998	SH		SOLE		2,598	150	250
C H Robinson Worldwide Inc.	Common Stock	12541W209	596,292	6,320	SH		SOLE		6,170	0	150
Canadian Pacific Kansas City Limited	Int'l Common Stock	13646K108	330,834	4,096	SH		SOLE		2,172	0	1,924
Cardinal Health Inc.	Common Stock	14149Y108	758,262	8,018	SH		SOLE		7,092	0	926
Caterpillar Inc.	Common Stock	149123101	650,064	2,642	SH		SOLE		2,344	0	298
Chevron Corporation	Common Stock	166764100	3,138,503	19,946	SH		SOLE		19,840	0	106
Chubb Ltd	Common Stock	H1467J104	495,842	2,575	SH		SOLE		1,312	0	1,263
Cigna Group	Common Stock	125523100	305,293	1,088	SH		SOLE		1,088	0	0
Cincinnati Financial Corp	Common Stock	172062101	2,463,169	25,310	SH		SOLE		25,310	0	0
Cintas Corp.	Common Stock	172908105	578,601	1,164	SH		SOLE		1,164	0	0
Cisco Systems Inc.	Common Stock	17275R102	905,812	17,507	SH		SOLE		16,921	0	586
Coca-Cola Company	Common Stock	191216100	918,656	15,255	SH		SOLE		13,698	0	1,557
Comcast Corp.	Common Stock	20030N101	430,790	10,368	SH		SOLE		9,401	0	967
Conocophillips	Common Stock	20825C104	252,498	2,437	SH		SOLE		2,372	0	65
Corning Inc.	Common Stock	219350105	359,861	10,270	SH		SOLE		10,270	0	0
Cullen Frost Bankers Inc	Common Stock	229899109	397,861	3,700	SH		SOLE		1,400	0	2,300
Cummins Inc.	Common Stock	231021106	270,657	1,104	SH		SOLE		1,104	0	0
CVS Health Corporation	Common Stock	126650100	222,460	3,218	SH		SOLE		2,968	0	250
Danaher Corp.	Common Stock	235851102	534,960	2,229	SH		SOLE		1,929	300	0
Deere & Co.	Common Stock	244199105	936,799	2,312	SH		SOLE		1,466	0	846
Diageo Plc Sponsored ADR	Int'l Common Stock	25243Q205	334,122	1,926	SH		SOLE		544	0	1,382
Disney Walt Co.	Common Stock	254687106	1,422,945	15,938	SH		SOLE		11,881	0	4,057
Dominion Energy Inc.	Common Stock	25746U109	250,819	4,843	SH		SOLE		4,643	0	200
Duke Energy Holding Corp.	Common Stock	26441C204	1,104,340	12,306	SH		SOLE		9,393	0	2,913
Eastman Chemical Company	Common Stock	277432100	448,907	5,362	SH		SOLE		5,362	0	0
Eaton Corp.	Int'l Common Stock	G29183103	1,324,244	6,585	SH		SOLE		5,724	0	861
Ecolab Inc.	Common Stock	278865100	231,309	1,239	SH		SOLE		1,239	0	0
Eli Lilly Co.	Common Stock	532457108	1,043,949	2,226	SH		SOLE		2,226	0	0
Eli Lilly Co.	Common Stock	532457108	70,347	150	SH		OTR		150	0	0
Emerson Electric Co.	Common Stock	291011104	851,383	9,419	SH		SOLE		8,419	500	500
Enbridge Inc.	Int'l Common Stock	29250N105	953,863	25,676	SH		SOLE		10,280	0	15,396
Energy Select Sector SPDR TR	Exchange Traded Fund	81369Y506	381,499	4,700	SH		SOLE		4,700	0	0
EOG Resources Inc.	Common Stock	26875P101	224,531	1,962	SH		SOLE		1,962	0	0
Exxon Mobil Corp.	Common Stock	30231G102	1,637,386	15,267	SH		SOLE		14,021	0	1,246
Fed Ex Corp.	Common Stock	31428X106	891,201	3,595	SH		SOLE		2,108	0	1,487
First Financial Bancorp	Common Stock	320209109	410,762	20,096	SH		SOLE		20,096	0	0
First Trust Long/Short Equity ETF	Exchange Traded Fund	33739P103	2,655,020	50,294	SH		SOLE		48,887	0	1,407
Fiserv Inc.	Common Stock	337738108	243,470	1,930	SH		SOLE		1,930	0	0
General Dynamics Corp.	Common Stock	369550108	287,225	1,335	SH		SOLE		1,335	0	0
General Electric Co	Common Stock	369604301	686,233	6,247	SH		SOLE		6,110	0	137
General Mills Inc.	Common Stock	370334104	636,227	8,295	SH		SOLE		7,281	0	1,014
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	291,102	15,293	SH		SOLE		12,472	2,821	0
Grainger W W Inc.	Common Stock	384802104	283,892	360	SH		SOLE		360	0	0
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,112,277	8,380	SH		SOLE		8,380	0	0
Hershey Company	Common Stock	427866108	2,151,915	8,618	SH		SOLE		8,618	0	0
Home Depot Inc.	Common Stock	437076102	865,754	2,787	SH		SOLE		2,723	0	64
Honeywell International Inc.	Common Stock	438516106	1,024,843	4,939	SH		SOLE		4,608	0	331
Illinois Tool Works Inc.	Common Stock	452308109	741,975	2,966	SH		SOLE		1,626	0	1,340
Intel Corp.	Common Stock	458140100	1,086,031	32,477	SH		SOLE		29,438	1,200	1,839
International Business Machines Corp.	Common Stock	459200101	472,349	3,530	SH		SOLE		3,175	0	355
Interpublic Group of Companies	Common Stock	460690100	372,413	9,653	SH		SOLE		9,008	0	645
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	652,765	1,767	SH		SOLE		1,767	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	6,425,093	42,937	SH		SOLE		36,998	2,700	3,239
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	74,820	500	SH		OTR		500	0	0
IShares 1-3 Year Treasury Bond ETF	Fixed Income ETF	464287457	2,365,509	29,175	SH		SOLE		27,603	539	1,033
IShares Biotechnology ETF	Exchange Traded Fund	464287556	308,513	2,430	SH		SOLE		2,180	250	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	1,022,459	2,294	SH		SOLE		2,294	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	1,023,088	10,445	SH		SOLE		6,959	0	3,486
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	606,904	8,165	SH		SOLE		6,640	0	1,525
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	5,356,640	108,676	SH		SOLE		102,729	1,249	4,698
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	14,209,695	210,514	SH		SOLE		199,696	2,500	8,318
IShares Intermediate Government-Credit Bond ETF	Fixed Income ETF	464288612	257,250	2,500	SH		SOLE		2,500	0	0
IShares JP Morgan Emerging Markets Bond ETF	Fixed Income ETF	464288281	3,341,656	38,614	SH		SOLE		34,630	990	2,994
IShares MSCI India ETF	International Equity ETF	46429B598	1,549,427	35,456	SH		SOLE		31,289	1,680	2,487
iShares Russell 1000 ETF	Exchange Traded Fund	464287622	299,800	1,230	SH		SOLE		1,230	0	0
iShares Russell 1000 Growth ETF	Exchange Traded Fund	464287614	332,012	1,207	SH		SOLE		308	0	899
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	277,247	1,720	SH		SOLE		1,720	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	1,786,170	6,831	SH		SOLE		5,727	0	1,104
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,202,377	12,066	SH		SOLE		11,166	500	400
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	3,414,616	34,900	SH		SOLE		34,900	0	0
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	731,598	10,091	SH		SOLE		8,676	0	1,415
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	227,193	5,743	SH		SOLE		5,743	0	0
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	856,948	4,576	SH		SOLE		4,426	0	150
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	5,903,427	23,198	SH		SOLE		22,898	0	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,718,755	23,535	SH		SOLE		20,819	0	2,716
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	232,152	2,049	SH		SOLE		1,549	0	500
IShares TR TIPS Bond ETF	Fixed Income ETF	464287176	435,431	4,046	SH		SOLE		4,046	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	263,582	3,085	SH		SOLE		2,085	1,000	0
IShares US Healthcare ETF	Exchange Traded Fund	464287762	371,334	1,325	SH		SOLE		1,325	0	0
Johnson & Johnson	Common Stock	478160104	2,702,445	16,327	SH		SOLE		13,835	250	2,242
JP Morgan Chase Co.	Common Stock	46625H100	2,073,974	14,260	SH		SOLE		12,631	0	1,629
Kroger Co.	Common Stock	501044101	957,437	20,371	SH		SOLE		19,271	0	1,100
Lam Research Corp.	Common Stock	512807108	1,618,079	2,517	SH		SOLE		2,299	75	143
LCNB Corp.	Common Stock	50181P100	3,344,055	226,562	SH		SOLE		225,362	0	1,200
LCNB Corp.	Common Stock	50181P100	4,071,398	275,840	SH		OTR		275,840	0	0
Lockheed Martin Corp.	Common Stock	539830109	1,278,936	2,778	SH		SOLE		2,571	100	107
Lowes Co Inc.	Common Stock	548661107	2,629,179	11,649	SH		SOLE		9,223	0	2,426
Marathon Petroleum Corp.	Common Stock	56585A102	231,568	1,986	SH		SOLE		1,986	0	0
Mastercard Inc.	Common Stock	57636Q104	1,119,332	2,846	SH		SOLE		1,824	0	1,022
McCormick Co Inc.	Common Stock	579780206	379,451	4,350	SH		SOLE		3,850	0	500
McDonalds Corp.	Common Stock	580135101	1,611,712	5,401	SH		SOLE		4,418	0	983
Medtronic PLC	Int'l Common Stock	G5960L103	772,461	8,768	SH		SOLE		7,064	182	1,522
Merck and Co Inc.	Common Stock	58933Y105	2,372,765	20,563	SH		SOLE		19,748	0	815
Microsoft Corp.	Common Stock	594918104	9,487,444	27,860	SH		SOLE		21,607	135	6,118
Mondelez International Inc	Common Stock	609207105	795,630	10,908	SH		SOLE		10,265	0	643
New Linde PLC	Int'l Common Stock	G54950103	705,760	1,852	SH		SOLE		454	0	1,398
NextEra Energy Inc.	Common Stock	65339F101	678,856	9,149	SH		SOLE		8,529	0	620
Nike Inc.	Common Stock	654106103	1,248,947	11,316	SH		SOLE		9,242	0	2,074
Norfolk Southern Corp.	Common Stock	655844108	438,781	1,935	SH		SOLE		1,515	0	420
Novartis AG ADR	Int'l Common Stock	66987V109	1,205,269	11,944	SH		SOLE		9,728	450	1,766
Nvidia Corp	Common Stock	67066G104	1,648,086	3,896	SH		SOLE		3,696	0	200
NXP Semiconductors	Int'l Common Stock	N6596X109	289,622	1,415	SH		SOLE		1,415	0	0
Oracle Corporation	Common Stock	68389X105	698,463	5,865	SH		SOLE		5,654	0	211
PayPal Holdings Inc.	Common Stock	70450Y103	718,348	10,765	SH		SOLE		9,415	600	750
Pepsico Inc.	Common Stock	713448108	2,903,324	15,675	SH		SOLE		13,166	0	2,509
Pfizer Inc.	Common Stock	717081103	1,277,418	34,826	SH		SOLE		31,216	1,000	2,610
Phillips 66	Common Stock	718546104	305,502	3,203	SH		SOLE		3,203	0	0
Pioneer Natural Resources Co.	Common Stock	723787107	309,113	1,492	SH		SOLE		1,322	0	170
PNC Financial Services Group Inc.	Common Stock	693475105	299,131	2,375	SH		SOLE		2,132	0	243
Polaris Inc	Common Stock	731068102	303,897	2,513	SH		SOLE		2,313	0	200
Procter & Gamble Co.	Common Stock	742718109	242,784	1,600	SH		OTR		1,600	0	0
Procter & Gamble Co.	Common Stock	742718109	7,798,829	51,396	SH		SOLE		48,679	400	2,317
Prudential Financial Inc.	Common Stock	744320102	662,532	7,510	SH		SOLE		6,985	200	325
Regions Financial Corp.	Common Stock	7591EP100	253,115	14,204	SH		SOLE		13,204	0	1,000
RTX Corporation	Common Stock	75513E101	718,870	7,338	SH		SOLE		5,453	287	1,598
Schwab US Dividend Equity ETF	Exchange Traded Fund	808524797	496,140	6,832	SH		SOLE		6,057	0	775
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	10,317,842	137,663	SH		SOLE		127,978	0	9,685
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	8,626,298	128,578	SH		SOLE		120,133	0	8,445
Schwab US Large-Cap	Exchange Traded Fund	808524201	368,790	7,042	SH		SOLE		7,042	0	0
Skyworks Solutions Inc	Common Stock	83088M102	470,986	4,255	SH		SOLE		3,974	0	281
Southern Co.	Common Stock	842587107	458,100	6,521	SH		SOLE		5,721	0	800
SPDR Gold TR	Exchange Traded Fund	78463V107	1,133,262	6,357	SH		SOLE		5,620	0	737
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	4,589,278	10,353	SH		SOLE		10,353	0	0
SPDR S&P 500 Value	Exchange Traded Fund	78464A508	216,000	5,000	SH		OTR		5,000	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	857,249	1,790	SH		SOLE		1,790	0	0
Starbucks Corp.	Common Stock	855244109	1,204,966	12,164	SH		SOLE		10,624	500	1,040
Stryker Corp.	Common Stock	863667101	510,110	1,672	SH		SOLE		1,492	0	180
Sysco Corp.	Common Stock	871829107	477,329	6,433	SH		SOLE		5,983	0	450
T Rowe Price Group Inc.	Common Stock	74144T108	872,412	7,788	SH		SOLE		6,864	284	640
Target Corporation	Common Stock	87612E106	281,475	2,134	SH		SOLE		2,122	0	12
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	2,084,581	11,990	SH		SOLE		11,990	0	0
Tesla Inc.	Common Stock	88160R101	1,117,758	4,270	SH		SOLE		4,270	0	0
Texas Instruments Inc.	Common Stock	882508104	439,609	2,442	SH		SOLE		2,026	0	416
The JM Smucker Co.	Common Stock	832696405	232,876	1,577	SH		SOLE		1,577	0	0
TJX Companies Inc.	Common Stock	872540109	1,844,776	21,757	SH		SOLE		11,887	0	9,870
Toll Brothers Inc.	Common Stock	889478103	201,629	2,550	SH		SOLE		2,550	0	0
U.S. Bancorp	Common Stock	902973304	2,003,975	60,653	SH		SOLE		54,347	1,900	4,406
United Health Group Inc.	Common Stock	91324P102	218,691	455	SH		SOLE		426	0	29
United Parcel Service Inc	Common Stock	911312106	1,055,245	5,887	SH		SOLE		5,304	296	287
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	404,277	3,811	SH		SOLE		1,395	0	2,416
Vanguard Intermediate Term Bond Index Fund	Fixed Income ETF	921937819	1,544,472	20,530	SH		SOLE		20,530	0	0
Vanguard Intermediate-Term Treasury	Fixed Income ETF	92206C706	1,019,628	17,382	SH		SOLE		0	0	17,382
Vanguard Long-Term Corporate Bond	Fixed Income ETF	92206C813	366,391	4,668	SH		SOLE		310	0	4,358
Vanguard Short Term Treasury ETF	Fixed Income ETF	92206C102	230,920	4,000	SH		SOLE		4,000	0	0
Vanguard Total Stock Market Index	Exchange Traded Fund	922908769	275,350	1,250	SH		SOLE		1,250	0	0
Verizon Communications Inc.	Common Stock	92343V104	61,215	1,646	SH		OTR		1,646	0	0
Verizon Communications Inc.	Common Stock	92343V104	421,251	11,327	SH		SOLE		9,862	0	1,465
Visa Inc	Common Stock	92826C839	473,298	1,993	SH		SOLE		1,774	0	219
Walmart Inc.	Common Stock	931142103	827,396	5,264	SH		SOLE		4,764	0	500
WEC Energy Group Inc.	Common Stock	92939U106	209,217	2,371	SH		SOLE		2,271	0	100
Welltower Inc.	Common Stock	95040Q104	399,192	4,935	SH		SOLE		4,616	0	319
WestRock Co.	Common Stock	96145D105	553,493	19,040	SH		SOLE		18,465	0	575
Whirlpool Corp.	Common Stock	963320106	426,581	2,867	SH		SOLE		2,767	0	100
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,719,645	27,696	SH		SOLE		22,696	800	4,200