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	350,232	3,741	SH		SOLE		3,572	0	169
Abbott Laboratories	Common Stock	002824100	1,544,951	15,952	SH		SOLE		10,863	0	5,089
Abbvie Inc.	Common Stock	00287Y109	1,076,213	7,220	SH		SOLE		4,386	0	2,834
Accenture PLC	Int'l Common Stock	G1151C101	1,147,056	3,735	SH		SOLE		2,135	0	1,600
Air Products & Chemicals Inc	Common Stock	009158106	338,096	1,193	SH		SOLE		1,175	0	18
Alphabet Inc.	Common Stock	02079K107	3,227,029	24,475	SH		SOLE		19,181	0	5,294
Alphabet Inc.	Common Stock	02079K305	3,020,118	23,079	SH		SOLE		19,769	0	3,310
Amazon.com Inc	Common Stock	023135106	1,702,010	13,389	SH		SOLE		13,089	0	300
American Express Co.	Common Stock	025816109	262,127	1,757	SH		SOLE		1,662	0	95
Amgen Inc.	Common Stock	031162100	1,956,035	7,278	SH		SOLE		4,998	0	2,280
Analog Devices Inc.	Common Stock	032654105	615,266	3,514	SH		SOLE		2,056	0	1,458
Apple Inc.	Common Stock	037833100	6,197,802	36,200	SH		SOLE		27,164	0	9,036
Applied Materials	Common Stock	038222105	225,950	1,632	SH		SOLE		1,632	0	0
Automatic Data Processing	Common Stock	053015103	1,224,312	5,089	SH		SOLE		3,677	0	1,412
Bank of America Corp.	Common Stock	060505104	317,635	11,601	SH		SOLE		11,601	0	0
Becton Dickinson and Co.	Common Stock	075887109	641,413	2,481	SH		SOLE		2,481	0	0
Berkshire Hathaway Inc.	Common Stock	084670702	1,625,042	4,639	SH		SOLE		2,336	0	2,303
Blackrock Inc.	Common Stock	09247X101	292,860	453	SH		SOLE		444	0	9
Blackstone Inc.	Common Stock	09260D107	775,051	7,234	SH		SOLE		6,722	0	512
Boeing Co.	Common Stock	097023105	808,890	4,220	SH		SOLE		3,730	0	490
Booking Holdings Inc.	Common Stock	09857L108	222,044	72	SH		SOLE		72	0	0
BP PLC	Int'l Common Stock	055622104	317,620	8,203	SH		SOLE		8,203	0	0
Bristol-Myers Squibb Co	Common Stock	110122108	342,900	5,908	SH		SOLE		5,558	0	350
Broadcom Ltd.	Common Stock	11135F101	2,297,384	2,766	SH		SOLE		2,566	0	200
C H Robinson Worldwide Inc.	Common Stock	12541W209	533,575	6,195	SH		SOLE		6,195	0	0
Canadian Pacific Kansas City Limited	Int'l Common Stock	13646K108	304,783	4,096	SH		SOLE		2,172	0	1,924
Cardinal Health Inc.	Common Stock	14149Y108	609,303	7,018	SH		SOLE		6,717	0	301
Caterpillar Inc.	Common Stock	149123101	700,791	2,567	SH		SOLE		2,317	0	250
Chevron Corporation	Common Stock	166764100	3,358,236	19,916	SH		SOLE		19,810	0	106
Chubb Ltd	Common Stock	H1467J104	671,172	3,224	SH		SOLE		2,081	0	1,143
Cigna Group	Common Stock	125523100	332,699	1,163	SH		SOLE		1,163	0	0
Cincinnati Financial Corp	Common Stock	172062101	2,588,960	25,310	SH		SOLE		25,310	0	0
Cintas Corp.	Common Stock	172908105	523,820	1,089	SH		SOLE		1,089	0	0
Cisco Systems Inc.	Common Stock	17275R102	882,040	16,407	SH		SOLE		15,821	0	586
Coca-Cola Company	Common Stock	191216100	854,703	15,268	SH		SOLE		13,711	0	1,557
Comcast Corp.	Common Stock	20030N101	367,047	8,278	SH		SOLE		7,551	0	727
Conocophillips	Common Stock	20825C104	267,993	2,237	SH		SOLE		2,172	0	65
Corning Inc.	Common Stock	219350105	379,961	12,470	SH		SOLE		12,470	0	0
Cullen Frost Bankers Inc	Common Stock	229899109	337,477	3,700	SH		SOLE		1,400	0	2,300
Cummins Inc.	Common Stock	231021106	255,190	1,117	SH		SOLE		1,117	0	0
Danaher Corp.	Common Stock	235851102	416,560	1,679	SH		SOLE		1,679	0	0
Deere & Co.	Common Stock	244199105	872,503	2,312	SH		SOLE		1,466	0	846
Diageo Plc Sponsored ADR	Int'l Common Stock	25243Q205	287,321	1,926	SH		SOLE		544	0	1,382
Disney Walt Co.	Common Stock	254687106	1,089,069	13,437	SH		SOLE		9,660	0	3,777
Duke Energy Holding Corp.	Common Stock	26441C204	1,074,654	12,176	SH		SOLE		9,976	0	2,200
Eastman Chemical Company	Common Stock	277432100	408,304	5,322	SH		SOLE		5,322	0	0
Eaton Corp.	Int'l Common Stock	G29183103	1,380,775	6,474	SH		SOLE		5,763	0	711
Eli Lilly Co.	Common Stock	532457108	1,171,481	2,181	SH		SOLE		2,181	0	0
Eli Lilly Co.	Common Stock	532457108	80,570	150	SH		OTR		150	0	0
Emerson Electric Co.	Common Stock	291011104	919,250	9,519	SH		SOLE		9,319	0	200
Enbridge Inc.	Int'l Common Stock	29250N105	819,162	24,681	SH		SOLE		11,891	0	12,790
Energy Select Sector SPDR TR	Exchange Traded Fund	81369Y506	424,833	4,700	SH		SOLE		4,700	0	0
EOG Resources Inc.	Common Stock	26875P101	263,534	2,079	SH		SOLE		2,079	0	0
Exxon Mobil Corp.	Common Stock	30231G102	1,677,514	14,267	SH		SOLE		13,021	0	1,246
Fed Ex Corp.	Common Stock	31428X106	935,168	3,530	SH		SOLE		2,108	0	1,422
Fifth Third Bancorp	Common Stock	316773100	475,140	18,758	SH		SOLE		13,751	0	5,007
First Financial Bancorp	Common Stock	320209109	344,882	17,596	SH		SOLE		17,596	0	0
First Trust Long/Short Equity ETF	Exchange Traded Fund	33739P103	4,375,946	82,332	SH		SOLE		79,503	0	2,829
Fiserv Inc.	Common Stock	337738108	218,013	1,930	SH		SOLE		1,930	0	0
General Dynamics Corp.	Common Stock	369550108	324,163	1,467	SH		SOLE		1,467	0	0
General Mills Inc.	Common Stock	370334104	501,746	7,841	SH		SOLE		7,191	0	650
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	274,522	14,993	SH		SOLE		14,993	0	0
Grainger W W Inc.	Common Stock	384802104	238,685	345	SH		SOLE		345	0	0
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,046,656	8,130	SH		SOLE		8,130	0	0
Hershey Company	Common Stock	427866108	1,724,289	8,618	SH		SOLE		8,618	0	0
Home Depot Inc.	Common Stock	437076102	840,005	2,780	SH		SOLE		2,723	0	57
Honeywell International Inc.	Common Stock	438516106	835,764	4,524	SH		SOLE		4,393	0	131
Illinois Tool Works Inc.	Common Stock	452308109	634,734	2,756	SH		SOLE		1,626	0	1,130
Intel Corp.	Common Stock	458140100	1,132,516	31,857	SH		SOLE		30,748	0	1,109
International Business Machines Corp.	Common Stock	459200101	492,453	3,510	SH		SOLE		3,235	0	275
Interpublic Group of Companies	Common Stock	460690100	295,542	10,312	SH		SOLE		9,949	0	363
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	633,063	1,767	SH		SOLE		1,767	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	6,236,202	44,013	SH		SOLE		41,077	0	2,936
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	70,845	500	SH		OTR		500	0	0
IShares 1-3 Year Treasury Bond ETF	Fixed Income ETF	464287457	2,291,775	28,304	SH		SOLE		27,740	0	564
IShares Biotechnology ETF	Exchange Traded Fund	464287556	272,707	2,230	SH		SOLE		2,230	0	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	957,199	2,229	SH		SOLE		2,229	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	1,794,753	19,085	SH		SOLE		15,190	0	3,895
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	465,042	6,425	SH		SOLE		6,425	0	0
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	6,517,022	136,941	SH		SOLE		133,248	0	3,693
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	13,556,679	210,671	SH		SOLE		205,265	0	5,406
IShares Intermediate Government-Credit Bond ETF	Fixed Income ETF	464288612	506,650	5,000	SH		SOLE		5,000	0	0
IShares JP Morgan Emerging Markets Bond ETF	Fixed Income ETF	464288281	3,186,757	38,618	SH		SOLE		36,421	0	2,197
IShares MSCI India ETF	International Equity ETF	46429B598	2,222,276	50,255	SH		SOLE		47,285	0	2,970
iShares Russell 1000 ETF	Exchange Traded Fund	464287622	250,179	1,065	SH		SOLE		1,065	0	0
iShares Russell 1000 Growth ETF	Exchange Traded Fund	464287614	292,198	1,099	SH		SOLE		308	0	791
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	264,605	1,720	SH		SOLE		1,720	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	1,783,102	7,151	SH		SOLE		6,047	0	1,104
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,127,338	11,951	SH		SOLE		11,551	0	400
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	3,287,231	34,900	SH		SOLE		34,900	0	0
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	666,870	9,676	SH		SOLE		8,576	0	1,100
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	233,127	6,143	SH		SOLE		6,143	0	0
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	928,062	5,251	SH		SOLE		5,101	0	150
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	5,676,325	23,163	SH		SOLE		22,863	0	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,628,685	23,519	SH		SOLE		20,867	0	2,652
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	220,554	2,049	SH		SOLE		1,549	0	500
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	242,142	3,085	SH		SOLE		3,085	0	0
IShares US Healthcare ETF	Exchange Traded Fund	464287762	411,857	1,525	SH		SOLE		1,525	0	0
Johnson & Johnson	Common Stock	478160104	2,278,778	14,631	SH		SOLE		12,672	0	1,959
JP Morgan Chase Co.	Common Stock	46625H100	1,937,467	13,360	SH		SOLE		12,006	0	1,354
Kroger Co.	Common Stock	501044101	842,240	18,821	SH		SOLE		18,521	0	300
Lam Research Corp.	Common Stock	512807108	1,561,911	2,492	SH		SOLE		2,449	0	43
LCNB Corp.	Common Stock	50181P100	3,118,880	218,562	SH		SOLE		218,562	0	0
LCNB Corp.	Common Stock	50181P100	3,936,237	275,840	SH		OTR		275,840	0	0
Lockheed Martin Corp.	Common Stock	539830109	1,136,091	2,778	SH		SOLE		2,703	0	75
Lowes Co Inc.	Common Stock	548661107	2,324,898	11,186	SH		SOLE		9,190	0	1,996
Marathon Petroleum Corp.	Common Stock	56585A102	300,561	1,986	SH		SOLE		1,986	0	0
Mastercard Inc.	Common Stock	57636Q104	1,063,810	2,687	SH		SOLE		1,746	0	941
McCormick Co Inc.	Common Stock	579780206	329,034	4,350	SH		SOLE		3,850	0	500
McDonalds Corp.	Common Stock	580135101	1,330,372	5,050	SH		SOLE		4,067	0	983
Medtronic PLC	Int'l Common Stock	G5960L103	673,739	8,598	SH		SOLE		7,386	0	1,212
Merck and Co Inc.	Common Stock	58933Y105	2,100,798	20,406	SH		SOLE		19,963	0	443
Microsoft Corp.	Common Stock	594918104	8,584,611	27,188	SH		SOLE		21,645	0	5,543
Mondelez International Inc	Common Stock	609207105	754,725	10,875	SH		SOLE		10,465	0	410
New Linde PLC	Int'l Common Stock	G54950103	667,251	1,792	SH		SOLE		454	0	1,338
NextEra Energy Inc.	Common Stock	65339F101	500,371	8,734	SH		SOLE		8,234	0	500
Nike Inc.	Common Stock	654106103	992,153	10,376	SH		SOLE		8,442	0	1,934
Norfolk Southern Corp.	Common Stock	655844108	381,060	1,935	SH		SOLE		1,515	0	420
Novartis AG ADR	Int'l Common Stock	66987V109	1,177,400	11,559	SH		SOLE		9,793	0	1,766
Nvidia Corp	Common Stock	67066G104	1,639,912	3,770	SH		SOLE		3,570	0	200
NXP Semiconductors	Int'l Common Stock	N6596X109	282,887	1,415	SH		SOLE		1,415	0	0
Oracle Corporation	Common Stock	68389X105	581,501	5,490	SH		SOLE		5,279	0	211
PayPal Holdings Inc.	Common Stock	70450Y103	642,475	10,990	SH		SOLE		10,840	0	150
Pepsico Inc.	Common Stock	713448108	2,550,072	15,050	SH		SOLE		12,866	0	2,184
Pfizer Inc.	Common Stock	717081103	1,155,079	34,823	SH		SOLE		33,093	0	1,730
Phillips 66	Common Stock	718546104	343,028	2,855	SH		SOLE		2,855	0	0
Pioneer Natural Resources Co.	Common Stock	723787107	342,489	1,492	SH		SOLE		1,322	0	170
PNC Financial Services Group Inc.	Common Stock	693475105	287,650	2,343	SH		SOLE		2,100	0	243
Polaris Inc	Common Stock	731068102	261,704	2,513	SH		SOLE		2,513	0	0
Procter & Gamble Co.	Common Stock	742718109	9,604,881	65,850	SH		SOLE		63,737	0	2,113
Procter & Gamble Co.	Common Stock	742718109	233,376	1,600	SH		OTR		1,600	0	0
Prudential Financial Inc.	Common Stock	744320102	519,713	5,477	SH		SOLE		5,352	0	125
RTX Corporation	Common Stock	75513E101	499,717	6,943	SH		SOLE		5,345	0	1,598
Schwab Strategic US TIPS ETF	Fixed Income ETF	808524870	1,088,817	21,565	SH		SOLE		21,311	0	254
Schwab US Dividend Equity ETF	Exchange Traded Fund	808524797	483,432	6,832	SH		SOLE		6,057	0	775
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	10,051,140	138,217	SH		SOLE		131,027	0	7,190
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	9,165,954	142,196	SH		SOLE		135,696	0	6,500
Schwab US Large-Cap	Exchange Traded Fund	808524201	356,325	7,042	SH		SOLE		7,042	0	0
Skyworks Solutions Inc	Common Stock	83088M102	419,500	4,255	SH		SOLE		4,200	0	55
Southern Co.	Common Stock	842587107	409,095	6,321	SH		SOLE		6,021	0	300
SPDR Gold TR	Exchange Traded Fund	78463V107	1,089,908	6,357	SH		SOLE		5,820	0	537
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	4,500,509	10,528	SH		SOLE		10,528	0	0
SPDR S&P 500 Value	Exchange Traded Fund	78464A508	206,300	5,000	SH		OTR		5,000	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	810,536	1,775	SH		SOLE		1,775	0	0
Starbucks Corp.	Common Stock	855244109	1,019,851	11,174	SH		SOLE		10,484	0	690
Stryker Corp.	Common Stock	863667101	265,618	972	SH		SOLE		892	0	80
Sysco Corp.	Common Stock	871829107	358,850	5,433	SH		SOLE		5,158	0	275
T Rowe Price Group Inc.	Common Stock	74144T108	638,553	6,089	SH		SOLE		5,964	0	125
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	1,965,521	11,990	SH		SOLE		11,990	0	0
Tesla Inc.	Common Stock	88160R101	1,068,439	4,270	SH		SOLE		4,270	0	0
Texas Instruments Inc.	Common Stock	882508104	372,401	2,342	SH		SOLE		2,126	0	216
TJX Companies Inc.	Common Stock	872540109	1,898,743	21,363	SH		SOLE		12,088	0	9,275
U.S. Bancorp	Common Stock	902973304	1,997,915	60,433	SH		SOLE		56,427	0	4,006
United Health Group Inc.	Common Stock	91324P102	223,860	444	SH		SOLE		415	0	29
United Parcel Service Inc	Common Stock	911312106	913,554	5,861	SH		SOLE		5,702	0	159
Vanguard FTSE Developed Markets ETF	International Equity ETF	921943858	246,974	5,649	SH		SOLE		5,649	0	0
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	393,795	3,811	SH		SOLE		1,395	0	2,416
Vanguard Intermediate-Term Treasury	Fixed Income ETF	92206C706	993,381	17,382	SH		SOLE		0	0	17,382
Vanguard Long-Term Corporate Bond	Fixed Income ETF	92206C813	312,120	4,358	SH		SOLE		0	0	4,358
Vanguard Short Term Treasury ETF	Fixed Income ETF	92206C102	230,400	4,000	SH		SOLE		4,000	0	0
Vanguard Total Stock Market Index	Exchange Traded Fund	922908769	265,513	1,250	SH		SOLE		1,250	0	0
Verizon Communications Inc.	Common Stock	92343V104	343,384	10,595	SH		SOLE		9,510	0	1,085
Verizon Communications Inc.	Common Stock	92343V104	53,347	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	298,553	1,298	SH		SOLE		1,202	0	96
Walmart Inc.	Common Stock	931142103	841,872	5,264	SH		SOLE		4,914	0	350
Welltower Inc.	Common Stock	95040Q104	329,564	4,023	SH		SOLE		3,904	0	119
WestRock Co.	Common Stock	96145D105	683,959	19,105	SH		SOLE		18,780	0	325
Whirlpool Corp.	Common Stock	963320106	383,318	2,867	SH		SOLE		2,867	0	0
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,636,383	27,196	SH		SOLE		24,996	0	2,200