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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OMB Number:		3235-0006
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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	393,115	3,596	SH		SOLE		3,596	0	0
Abbott Laboratories	Common Stock	002824100	1,756,717	15,960	SH		SOLE		10,091	0	5,869
Abbvie Inc.	Common Stock	00287Y109	1,127,097	7,273	SH		SOLE		3,732	0	3,541
Accenture PLC	Int'l Common Stock	G1151C101	1,330,651	3,792	SH		SOLE		1,891	0	1,901
Air Products & Chemicals Inc	Common Stock	009158106	326,643	1,193	SH		SOLE		1,101	0	92
Alphabet Inc.	Common Stock	02079K107	3,415,016	24,232	SH		SOLE		18,918	0	5,314
Alphabet Inc.	Common Stock	02079K305	3,367,367	24,106	SH		SOLE		21,017	0	3,089
Amazon.com Inc	Common Stock	023135106	1,978,715	13,023	SH		SOLE		13,023	0	0
American Express Co.	Common Stock	025816109	329,156	1,757	SH		SOLE		1,545	0	212
Amgen Inc.	Common Stock	031162100	2,106,578	7,314	SH		SOLE		4,809	0	2,505
Analog Devices Inc.	Common Stock	032654105	691,783	3,484	SH		SOLE		1,776	0	1,708
Apple Inc.	Common Stock	037833100	6,794,191	35,289	SH		SOLE		23,248	0	12,041
Applied Materials	Common Stock	038222105	265,795	1,640	SH		SOLE		1,640	0	0
Automatic Data Processing	Common Stock	053015103	1,197,000	5,138	SH		SOLE		3,286	0	1,852
Bank of America Corp.	Common Stock	060505104	395,656	11,751	SH		SOLE		11,751	0	0
Becton Dickinson and Co.	Common Stock	075887109	649,319	2,663	SH		SOLE		2,663	0	0
Berkshire Hathaway Inc.	Common Stock	084670702	1,654,546	4,639	SH		SOLE		1,796	0	2,843
Blackrock Inc.	Common Stock	09247X101	310,919	383	SH		SOLE		330	0	53
Blackstone Inc.	Common Stock	09260D107	942,493	7,199	SH		SOLE		7,199	0	0
Boeing Co.	Common Stock	097023105	1,099,985	4,220	SH		SOLE		3,770	0	450
Booking Holdings Inc.	Common Stock	09857L108	255,400	72	SH		SOLE		72	0	0
BP PLC	Int'l Common Stock	055622104	292,298	8,257	SH		SOLE		8,257	0	0
Bristol-Myers Squibb Co	Common Stock	110122108	298,573	5,819	SH		SOLE		5,819	0	0
Broadcom Ltd.	Common Stock	11135F101	3,201,405	2,868	SH		SOLE		2,868	0	0
C H Robinson Worldwide Inc.	Common Stock	12541W209	535,186	6,195	SH		SOLE		6,195	0	0
Canadian Pacific Kansas City Limited	Int'l Common Stock	13646K108	323,830	4,096	SH		SOLE		1,917	0	2,179
Cardinal Health Inc.	Common Stock	14149Y108	628,286	6,233	SH		SOLE		6,233	0	0
Caterpillar Inc.	Common Stock	149123101	684,180	2,314	SH		SOLE		2,314	0	0
Chevron Corporation	Common Stock	166764100	3,015,269	20,215	SH		SOLE		19,345	0	870
Chubb Ltd	Common Stock	H1467J104	753,936	3,336	SH		SOLE		1,972	0	1,364
Cigna Group	Common Stock	125523100	343,469	1,147	SH		SOLE		1,147	0	0
Cincinnati Financial Corp	Common Stock	172062101	2,618,573	25,310	SH		SOLE		25,310	0	0
Cintas Corp.	Common Stock	172908105	638,217	1,059	SH		SOLE		1,059	0	0
Cisco Systems Inc.	Common Stock	17275R102	865,509	17,132	SH		SOLE		15,737	0	1,395
Coca-Cola Company	Common Stock	191216100	896,090	15,206	SH		SOLE		13,097	0	2,109
Comcast Corp.	Common Stock	20030N101	376,891	8,595	SH		SOLE		7,322	0	1,273
Conocophillips	Common Stock	20825C104	259,649	2,237	SH		SOLE		1,961	0	276
Consumer Staples Select Sector SPDR TR	Exchange Traded Fund	81369Y308	138,658	1,925	SH		SOLE		1,625	0	300
Consumer Staples Select Sector SPDR TR	Exchange Traded Fund	81369Y308	72,030	1,000	SH		OTR		1,000	0	0
Corning Inc.	Common Stock	219350105	506,079	16,620	SH		SOLE		16,620	0	0
Cullen Frost Bankers Inc	Common Stock	229899109	401,413	3,700	SH		SOLE		1,000	0	2,700
Cummins Inc.	Common Stock	231021106	255,621	1,067	SH		SOLE		1,017	0	50
Danaher Corp.	Common Stock	235851102	412,017	1,781	SH		SOLE		1,781	0	0
Deere & Co.	Common Stock	244199105	859,321	2,149	SH		SOLE		1,403	0	746
Diageo Plc Sponsored ADR	Int'l Common Stock	25243Q205	280,541	1,926	SH		SOLE		50	0	1,876
Disney Walt Co.	Common Stock	254687106	1,269,748	14,063	SH		SOLE		9,817	0	4,246
Duke Energy Holding Corp.	Common Stock	26441C204	1,154,097	11,893	SH		SOLE		9,551	0	2,342
Eastman Chemical Company	Common Stock	277432100	554,369	6,172	SH		SOLE		6,172	0	0
Eaton Corp.	Int'l Common Stock	G29183103	1,486,823	6,174	SH		SOLE		5,994	0	180
Eli Lilly Co.	Common Stock	532457108	1,244,534	2,135	SH		SOLE		2,135	0	0
Eli Lilly Co.	Common Stock	532457108	87,438	150	SH		OTR		150	0	0
Emerson Electric Co.	Common Stock	291011104	907,018	9,319	SH		SOLE		9,004	0	315
Enbridge Inc.	Int'l Common Stock	29250N105	509,359	14,141	SH		SOLE		10,308	0	3,833
Energy Select Sector SPDR TR	Exchange Traded Fund	81369Y506	417,104	4,975	SH		SOLE		4,975	0	0
EOG Resources Inc.	Common Stock	26875P101	273,589	2,262	SH		SOLE		2,052	0	210
Exxon Mobil Corp.	Common Stock	30231G102	1,444,411	14,447	SH		SOLE		12,345	0	2,102
FactSet Research Systems Inc.	Common Stock	303075105	205,609	431	SH		SOLE		431	0	0
Fed Ex Corp.	Common Stock	31428X106	876,541	3,465	SH		SOLE		1,805	0	1,660
Fifth Third Bancorp	Common Stock	316773100	657,966	19,077	SH		SOLE		18,358	0	719
First Financial Bancorp	Common Stock	320209109	417,905	17,596	SH		SOLE		17,596	0	0
First Trust Long/Short Equity ETF	Exchange Traded Fund	33739P103	4,981,317	88,541	SH		SOLE		88,541	0	0
Fiserv Inc.	Common Stock	337738108	256,381	1,930	SH		SOLE		1,930	0	0
General Dynamics Corp.	Common Stock	369550108	380,936	1,467	SH		SOLE		1,454	0	13
General Mills Inc.	Common Stock	370334104	587,367	9,017	SH		SOLE		9,017	0	0
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	296,777	14,523	SH		SOLE		14,523	0	0
Grainger W W Inc.	Common Stock	384802104	269,324	325	SH		SOLE		325	0	0
Graphic Packaging Holding Company	Common Stock	388689101	742,236	30,111	SH		SOLE		30,111	0	0
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,108,769	8,130	SH		SOLE		8,130	0	0
Hershey Company	Common Stock	427866108	1,606,740	8,618	SH		SOLE		8,618	0	0
Home Depot Inc.	Common Stock	437076102	952,666	2,749	SH		SOLE		2,641	0	108
Honeywell International Inc.	Common Stock	438516106	986,056	4,702	SH		SOLE		4,400	0	302
Illinois Tool Works Inc.	Common Stock	452308109	721,907	2,756	SH		SOLE		1,706	0	1,050
Intel Corp.	Common Stock	458140100	1,590,764	31,657	SH		SOLE		30,348	0	1,309
International Business Machines Corp.	Common Stock	459200101	565,883	3,460	SH		SOLE		3,097	0	363
Interpublic Group of Companies	Common Stock	460690100	360,933	11,058	SH		SOLE		11,058	0	0
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	723,622	1,767	SH		SOLE		1,767	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	6,988,015	44,284	SH		SOLE		44,284	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	78,900	500	SH		OTR		500	0	0
IShares 1-3 Year Treasury Bond ETF	Fixed Income ETF	464287457	586,668	7,151	SH		SOLE		7,151	0	0
IShares 20 Year Treasury Bond ETF	Fixed Income ETF	464287432	2,508,882	25,373	SH		SOLE		25,373	0	0
IShares Biotechnology ETF	Exchange Traded Fund	464287556	254,040	1,870	SH		SOLE		1,870	0	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	1,012,098	2,119	SH		SOLE		2,119	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	2,309,051	23,265	SH		SOLE		23,265	0	0
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	460,377	5,900	SH		SOLE		5,900	0	0
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	7,108,513	140,540	SH		SOLE		140,540	0	0
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	15,280,231	217,203	SH		SOLE		217,203	0	0
IShares Intermediate Government-Credit Bond ETF	Fixed Income ETF	464288612	733,320	7,000	SH		SOLE		7,000	0	0
IShares JP Morgan Emerging Markets Bond ETF	Fixed Income ETF	464288281	3,375,018	37,896	SH		SOLE		37,896	0	0
IShares MSCI India ETF	International Equity ETF	46429B598	2,483,941	50,890	SH		SOLE		50,890	0	0
iShares Russell 1000 ETF	Exchange Traded Fund	464287622	279,307	1,065	SH		SOLE		1,065	0	0
iShares Russell 1000 Growth ETF	Exchange Traded Fund	464287614	335,466	1,107	SH		SOLE		8	0	1,099
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	299,091	1,720	SH		SOLE		1,720	0	0
IShares S&P Small Cap 600 Value ETF	Exchange Traded Fund	464287879	211,294	2,050	SH		SOLE		2,050	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	1,933,676	6,977	SH		SOLE		6,977	0	0
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,260,680	11,646	SH		SOLE		11,646	0	0
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	3,672,527	34,900	SH		SOLE		34,900	0	0
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	729,087	9,676	SH		SOLE		9,676	0	0
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	247,010	6,143	SH		SOLE		6,143	0	0
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	1,028,839	5,126	SH		SOLE		5,126	0	0
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	6,337,902	23,153	SH		SOLE		22,853	0	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,819,342	23,406	SH		SOLE		19,958	0	3,448
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	240,184	2,049	SH		SOLE		2,049	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	313,837	3,085	SH		SOLE		3,085	0	0
IShares TR US Real Estate ETF	Exchange Traded Fund	464287739	200,828	2,197	SH		SOLE		2,197	0	0
IShares US Healthcare ETF	Exchange Traded Fund	464287762	436,516	1,525	SH		SOLE		1,525	0	0
Johnson & Johnson	Common Stock	478160104	2,328,216	14,854	SH		SOLE		12,660	0	2,194
JP Morgan Chase Co.	Common Stock	46625H100	2,296,010	13,498	SH		SOLE		11,427	0	2,071
Juniper Networks Inc	Common Stock	48203R104	308,066	10,450	SH		SOLE		10,450	0	0
Kroger Co.	Common Stock	501044101	864,285	18,908	SH		SOLE		18,908	0	0
Lam Research Corp.	Common Stock	512807108	1,875,124	2,394	SH		SOLE		2,394	0	0
LCNB Corp.	Common Stock	50181P100	3,446,723	218,562	SH		SOLE		218,562	0	0
LCNB Corp.	Common Stock	50181P100	4,349,997	275,840	SH		OTR		275,840	0	0
Lockheed Martin Corp.	Common Stock	539830109	1,259,101	2,778	SH		SOLE		2,778	0	0
Lowes Co Inc.	Common Stock	548661107	2,450,276	11,010	SH		SOLE		8,390	0	2,620
Marathon Petroleum Corp.	Common Stock	56585A102	282,329	1,903	SH		SOLE		1,903	0	0
Mastercard Inc.	Common Stock	57636Q104	1,078,217	2,528	SH		SOLE		1,589	0	939
McCormick Co Inc.	Common Stock	579780206	297,627	4,350	SH		SOLE		3,850	0	500
McDonalds Corp.	Common Stock	580135101	1,500,934	5,062	SH		SOLE		3,642	0	1,420
Medtronic PLC	Int'l Common Stock	G5960L103	683,672	8,299	SH		SOLE		8,299	0	0
Merck and Co Inc.	Common Stock	58933Y105	2,224,553	20,405	SH		SOLE		19,575	0	830
Meta Platforms Inc	Common Stock	30303M102	307,237	868	SH		SOLE		573	0	295
Microsoft Corp.	Common Stock	594918104	9,954,215	26,471	SH		SOLE		20,363	0	6,108
Mondelez International Inc	Common Stock	609207105	774,277	10,690	SH		SOLE		10,009	0	681
New Linde PLC	Int'l Common Stock	G54950103	752,421	1,832	SH		SOLE		225	0	1,607
NextEra Energy Inc.	Common Stock	65339F101	541,315	8,912	SH		SOLE		8,912	0	0
Nike Inc.	Common Stock	654106103	1,126,197	10,373	SH		SOLE		8,412	0	1,961
Norfolk Southern Corp.	Common Stock	655844108	457,395	1,935	SH		SOLE		1,167	0	768
Novartis AG ADR	Int'l Common Stock	66987V109	1,149,442	11,384	SH		SOLE		9,518	0	1,866
Nvidia Corp	Common Stock	67066G104	2,132,417	4,306	SH		SOLE		2,306	0	2,000
NXP Semiconductors	Int'l Common Stock	N6596X109	347,965	1,515	SH		SOLE		1,515	0	0
Oracle Corporation	Common Stock	68389X105	599,159	5,683	SH		SOLE		4,242	0	1,441
PayPal Holdings Inc.	Common Stock	70450Y103	716,225	11,663	SH		SOLE		11,663	0	0
Pepsico Inc.	Common Stock	713448108	2,624,028	15,450	SH		SOLE		12,939	0	2,511
Pfizer Inc.	Common Stock	717081103	1,030,106	35,780	SH		SOLE		34,770	0	1,010
Phillips 66	Common Stock	718546104	420,190	3,156	SH		SOLE		3,156	0	0
Pioneer Natural Resources Co.	Common Stock	723787107	335,521	1,492	SH		SOLE		1,492	0	0
PNC Financial Services Group Inc.	Common Stock	693475105	362,814	2,343	SH		SOLE		2,178	0	165
Polaris Inc	Common Stock	731068102	266,114	2,808	SH		SOLE		2,808	0	0
Procter & Gamble Co.	Common Stock	742718109	13,859,314	94,577	SH		SOLE		87,876	0	6,701
Procter & Gamble Co.	Common Stock	742718109	234,464	1,600	SH		OTR		1,600	0	0
Prudential Financial Inc.	Common Stock	744320102	548,522	5,289	SH		SOLE		5,289	0	0
RTX Corporation	Common Stock	75513E101	594,483	7,065	SH		SOLE		4,575	0	2,490
Schwab Strategic US TIPS ETF	Fixed Income ETF	808524870	1,027,348	19,681	SH		SOLE		19,508	0	173
Schwab US Dividend Equity ETF	Exchange Traded Fund	808524797	475,660	6,248	SH		SOLE		6,248	0	0
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	11,182,676	134,796	SH		SOLE		134,796	0	0
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	9,972,005	142,254	SH		SOLE		142,254	0	0
Schwab US Large-Cap	Exchange Traded Fund	808524201	397,169	7,042	SH		SOLE		7,042	0	0
Skyworks Solutions Inc	Common Stock	83088M102	489,589	4,355	SH		SOLE		4,355	0	0
Southern Co.	Common Stock	842587107	443,229	6,321	SH		SOLE		6,289	0	32
SPDR Gold TR	Exchange Traded Fund	78463V107	1,215,268	6,357	SH		SOLE		5,920	0	437
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	4,980,298	10,478	SH		SOLE		10,073	0	405
SPDR S&P 500 Value	Exchange Traded Fund	78464A508	233,150	5,000	SH		OTR		5,000	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	997,002	1,965	SH		SOLE		1,965	0	0
Starbucks Corp.	Common Stock	855244109	1,075,600	11,203	SH		SOLE		11,203	0	0
Stryker Corp.	Common Stock	863667101	291,075	972	SH		SOLE		972	0	0
Sysco Corp.	Common Stock	871829107	403,970	5,524	SH		SOLE		5,249	0	275
T Rowe Price Group Inc.	Common Stock	74144T108	655,724	6,089	SH		SOLE		6,089	0	0
Target Corporation	Common Stock	87612E106	236,275	1,659	SH		SOLE		1,406	0	253
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	2,307,835	11,990	SH		SOLE		11,990	0	0
Tesla Inc.	Common Stock	88160R101	1,061,010	4,270	SH		SOLE		4,270	0	0
Texas Instruments Inc.	Common Stock	882508104	378,592	2,221	SH		SOLE		1,820	0	401
TJX Companies Inc.	Common Stock	872540109	1,935,206	20,629	SH		SOLE		10,354	0	10,275
Tractor Supply Co.	Common Stock	892356106	202,128	940	SH		SOLE		940	0	0
U.S. Bancorp	Common Stock	902973304	2,688,251	62,113	SH		SOLE		58,748	0	3,365
Union Pacific Corp.	Common Stock	907818108	209,268	852	SH		SOLE		701	0	151
United Health Group Inc.	Common Stock	91324P102	252,706	480	SH		SOLE		431	0	49
United Parcel Service Inc	Common Stock	911312106	920,896	5,857	SH		SOLE		5,798	0	59
Vanguard FTSE Developed Markets ETF	International Equity ETF	921943858	270,587	5,649	SH		SOLE		5,649	0	0
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	425,468	3,811	SH		SOLE		710	0	3,101
Vanguard Intermediate-Term Treasury	Fixed Income ETF	92206C706	1,071,319	18,060	SH		SOLE		18,060	0	0
Vanguard Long-Term Corporate Bond	Fixed Income ETF	92206C813	389,048	4,854	SH		SOLE		4,854	0	0
Vanguard Short Term Treasury ETF	Fixed Income ETF	92206C102	233,320	4,000	SH		SOLE		4,000	0	0
Vanguard Total Stock Market Index	Exchange Traded Fund	922908769	296,525	1,250	SH		SOLE		1,250	0	0
Verizon Communications Inc.	Common Stock	92343V104	384,804	10,207	SH		SOLE		8,646	0	1,561
Verizon Communications Inc.	Common Stock	92343V104	62,054	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	333,769	1,282	SH		SOLE		984	0	298
Walmart Inc.	Common Stock	931142103	815,839	5,175	SH		SOLE		4,532	0	643
Welltower Inc.	Common Stock	95040Q104	362,754	4,023	SH		SOLE		4,023	0	0
Whirlpool Corp.	Common Stock	963320106	355,203	2,917	SH		SOLE		2,917	0	0
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,715,963	26,246	SH		SOLE		26,246	0	0