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	393,023	3,846	SH		SOLE		3,846	0	0
Abbott Laboratories	Common Stock	002824100	1,645,623	15,837	SH		SOLE		9,968	0	5,869
Abbvie Inc.	Common Stock	00287Y109	1,245,486	7,261	SH		SOLE		3,732	0	3,529
Accenture PLC	Int'l Common Stock	G1151C101	1,180,872	3,892	SH		SOLE		2,161	0	1,731
Air Products & Chemicals Inc	Common Stock	009158106	230,439	893	SH		SOLE		801	0	92
Alphabet Inc.	Common Stock	02079K107	4,274,970	23,307	SH		SOLE		18,113	0	5,194
Alphabet Inc.	Common Stock	02079K305	4,053,930	22,256	SH		SOLE		19,167	0	3,089
Amazon.com Inc	Common Stock	023135106	2,245,178	11,618	SH		SOLE		11,618	0	0
American Express Co.	Common Stock	025816109	384,836	1,662	SH		SOLE		1,450	0	212
Amgen Inc.	Common Stock	031162100	2,239,954	7,169	SH		SOLE		4,759	0	2,410
Analog Devices Inc.	Common Stock	032654105	791,606	3,468	SH		SOLE		1,776	0	1,692
Apple Inc.	Common Stock	037833100	7,133,489	33,869	SH		SOLE		22,117	0	11,752
Applied Materials	Common Stock	038222105	387,024	1,640	SH		SOLE		1,640	0	0
Automatic Data Processing	Common Stock	053015103	1,215,409	5,092	SH		SOLE		3,240	0	1,852
Bank of America Corp.	Common Stock	060505104	435,879	10,960	SH		SOLE		10,960	0	0
Becton Dickinson and Co.	Common Stock	075887109	642,703	2,750	SH		SOLE		2,750	0	0
Berkshire Hathaway Inc.	Common Stock	084670702	1,866,805	4,589	SH		SOLE		1,846	0	2,743
Blackrock Inc.	Common Stock	09247X101	304,693	387	SH		SOLE		334	0	53
Blackstone Inc.	Common Stock	09260D107	908,197	7,336	SH		SOLE		7,336	0	0
Block Inc	Common Stock	852234103	631,035	9,785	SH		SOLE		9,785	0	0
Boeing Co.	Common Stock	097023105	737,141	4,050	SH		SOLE		3,600	0	450
Booking Holdings Inc.	Common Stock	09857L108	285,228	72	SH		SOLE		72	0	0
BP PLC	Int'l Common Stock	055622104	251,148	6,957	SH		SOLE		6,957	0	0
Broadcom Ltd.	Common Stock	11135F101	4,174,378	2,600	SH		SOLE		2,600	0	0
C H Robinson Worldwide Inc.	Common Stock	12541W209	250,701	2,845	SH		SOLE		2,845	0	0
Canadian Pacific Kansas City Limited	Int'l Common Stock	13646K108	322,478	4,096	SH		SOLE		1,917	0	2,179
Cardinal Health Inc.	Common Stock	14149Y108	556,491	5,660	SH		SOLE		5,660	0	0
Caterpillar Inc.	Common Stock	149123101	658,539	1,977	SH		SOLE		1,977	0	0
Charles Schwab Corp.	Common Stock	808513105	507,135	6,882	SH		SOLE		6,882	0	0
Chevron Corporation	Common Stock	166764100	3,245,559	20,749	SH		SOLE		10,029	0	10,720
Chubb Ltd	Common Stock	H1467J104	895,586	3,511	SH		SOLE		2,147	0	1,364
Cincinnati Financial Corp	Common Stock	172062101	2,880,459	24,390	SH		SOLE		24,390	0	0
Cintas Corp.	Common Stock	172908105	686,255	980	SH		SOLE		980	0	0
Cisco Systems Inc.	Common Stock	17275R102	850,667	17,905	SH		SOLE		16,510	0	1,395
Coca-Cola Company	Common Stock	191216100	909,749	14,293	SH		SOLE		12,184	0	2,109
Comcast Corp.	Common Stock	20030N101	375,858	9,598	SH		SOLE		8,325	0	1,273
Conocophillips	Common Stock	20825C104	255,868	2,237	SH		SOLE		1,961	0	276
Corning Inc.	Common Stock	219350105	721,445	18,570	SH		SOLE		18,570	0	0
Costco Wholesale Corp	Common Stock	22160K105	209,948	247	SH		SOLE		247	0	0
Cullen Frost Bankers Inc	Common Stock	229899109	368,409	3,625	SH		SOLE		1,000	0	2,625
Cummins Inc.	Common Stock	231021106	295,484	1,067	SH		SOLE		1,017	0	50
Danaher Corp.	Common Stock	235851102	432,490	1,731	SH		SOLE		1,731	0	0
Deere & Co.	Common Stock	244199105	941,548	2,520	SH		SOLE		1,794	0	726
Disney Walt Co.	Common Stock	254687106	1,002,531	10,097	SH		SOLE		8,902	0	1,195
Dominion Energy Inc.	Common Stock	25746U109	285,572	5,828	SH		SOLE		5,828	0	0
Duke Energy Holding Corp.	Common Stock	26441C204	1,153,447	11,508	SH		SOLE		9,166	0	2,342
Eastman Chemical Company	Common Stock	277432100	619,366	6,322	SH		SOLE		6,322	0	0
Eaton Corp.	Int'l Common Stock	G29183103	1,510,997	4,819	SH		SOLE		4,639	0	180
Ecolab Inc.	Common Stock	278865100	205,870	865	SH		SOLE		865	0	0
Eli Lilly Co.	Common Stock	532457108	135,807	150	SH		OTR		150	0	0
Eli Lilly Co.	Common Stock	532457108	1,721,127	1,901	SH		SOLE		1,901	0	0
Emerson Electric Co.	Common Stock	291011104	1,026,581	9,319	SH		SOLE		9,004	0	315
Enbridge Inc.	Int'l Common Stock	29250N105	494,487	13,894	SH		SOLE		10,061	0	3,833
Energy Select Sector SPDR TR	Exchange Traded Fund	81369Y506	499,046	5,475	SH		SOLE		5,475	0	0
EOG Resources Inc.	Common Stock	26875P101	283,459	2,252	SH		SOLE		2,042	0	210
Exxon Mobil Corp.	Common Stock	30231G102	2,054,316	17,845	SH		SOLE		9,343	0	8,502
Fed Ex Corp.	Common Stock	31428X106	1,720,182	5,737	SH		SOLE		4,077	0	1,660
Fifth Third Bancorp	Common Stock	316773100	655,141	17,954	SH		SOLE		17,235	0	719
First Financial Bancorp	Common Stock	320209109	390,983	17,596	SH		SOLE		17,596	0	0
First Trust Long/Short Equity ETF	Exchange Traded Fund	33739P103	6,704,140	107,112	SH		SOLE		107,112	0	0
Fiserv Inc.	Common Stock	337738108	262,310	1,760	SH		SOLE		1,760	0	0
FT Vest US Equity Deep Buffer ETF - April	Exchange Traded Fund	33740U802	2,240,553	63,422	SH		SOLE		63,422	0	0
General Dynamics Corp.	Common Stock	369550108	537,339	1,852	SH		SOLE		1,839	0	13
General Mills Inc.	Common Stock	370334104	542,897	8,582	SH		SOLE		8,582	0	0
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	269,204	11,702	SH		SOLE		11,702	0	0
Grainger W W Inc.	Common Stock	384802104	279,694	310	SH		SOLE		310	0	0
Graphic Packaging Holding Company	Common Stock	388689101	869,726	33,183	SH		SOLE		33,183	0	0
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,184,948	8,130	SH		SOLE		430	0	7,700
Hershey Company	Common Stock	427866108	1,591,600	8,658	SH		SOLE		258	0	8,400
Home Depot Inc.	Common Stock	437076102	967,659	2,811	SH		SOLE		2,712	0	99
Honeywell International Inc.	Common Stock	438516106	1,047,627	4,906	SH		SOLE		4,627	0	279
Illinois Tool Works Inc.	Common Stock	452308109	671,782	2,835	SH		SOLE		1,785	0	1,050
Intel Corp.	Common Stock	458140100	834,858	26,957	SH		SOLE		25,698	0	1,259
International Business Machines Corp.	Common Stock	459200101	572,119	3,308	SH		SOLE		2,945	0	363
Interpublic Group of Companies	Common Stock	460690100	294,565	10,126	SH		SOLE		10,126	0	0
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	939,056	1,960	SH		SOLE		1,960	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	7,876,897	47,948	SH		SOLE		47,948	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	82,140	500	SH		OTR		500	0	0
IShares 1-3 Year Treasury Bond ETF	Fixed Income ETF	464287457	400,330	4,903	SH		SOLE		4,903	0	0
IShares 20 Year Treasury Bond ETF	Fixed Income ETF	464287432	5,269,273	57,412	SH		SOLE		57,412	0	0
IShares Biotechnology ETF	Exchange Traded Fund	464287556	225,793	1,645	SH		SOLE		1,645	0	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	1,482,446	2,709	SH		SOLE		2,709	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	2,324,244	23,944	SH		SOLE		23,944	0	0
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	453,384	5,400	SH		SOLE		5,400	0	0
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	243,615	4,551	SH		SOLE		4,551	0	0
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	15,789,829	217,371	SH		SOLE		217,371	0	0
IShares Intermediate Government-Credit Bond ETF	Fixed Income ETF	464288612	1,037,300	10,000	SH		SOLE		10,000	0	0
IShares MSCI India ETF	International Equity ETF	46429B598	2,938,881	52,687	SH		SOLE		52,687	0	0
iShares Russell 1000 ETF	Exchange Traded Fund	464287622	316,880	1,065	SH		SOLE		1,065	0	0
iShares Russell 1000 Growth ETF	Exchange Traded Fund	464287614	403,341	1,107	SH		SOLE		8	0	1,099
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	313,057	1,720	SH		SOLE		1,720	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	1,930,282	32,985	SH		SOLE		32,985	0	0
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,255,282	11,769	SH		SOLE		11,769	0	0
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	4,216,690	35,500	SH		SOLE		35,500	0	0
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	814,945	10,404	SH		SOLE		10,404	0	0
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	255,242	5,993	SH		SOLE		5,993	0	0
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	1,040,014	5,126	SH		SOLE		5,126	0	0
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	7,009,278	22,708	SH		SOLE		22,408	0	300
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	1,897,346	23,401	SH		SOLE		20,198	0	3,203
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	261,922	2,165	SH		SOLE		2,165	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	256,187	2,535	SH		SOLE		2,535	0	0
IShares US Healthcare ETF	Exchange Traded Fund	464287762	283,374	4,625	SH		SOLE		4,625	0	0
Johnson & Johnson	Common Stock	478160104	2,108,212	14,424	SH		SOLE		12,250	0	2,174
JP Morgan Chase Co.	Common Stock	46625H100	2,594,591	12,828	SH		SOLE		11,030	0	1,798
Juniper Networks Inc	Common Stock	48203R104	402,883	11,050	SH		SOLE		11,050	0	0
Kroger Co.	Common Stock	501044101	955,311	19,133	SH		SOLE		19,133	0	0
Lam Research Corp.	Common Stock	512807108	2,341,605	2,199	SH		SOLE		2,199	0	0
LCNB Corp.	Common Stock	50181P100	3,188,812	229,246	SH		SOLE		229,246	0	0
LCNB Corp.	Common Stock	50181P100	3,836,934	275,840	SH		OTR		275,840	0	0
Lockheed Martin Corp.	Common Stock	539830109	1,100,955	2,357	SH		SOLE		2,357	0	0
Lowes Co Inc.	Common Stock	548661107	2,374,795	10,772	SH		SOLE		8,152	0	2,620
Marathon Petroleum Corp.	Common Stock	56585A102	330,132	1,903	SH		SOLE		1,903	0	0
Mastercard Inc.	Common Stock	57636Q104	967,905	2,194	SH		SOLE		1,274	0	920
McCormick Co Inc.	Common Stock	579780206	329,374	4,643	SH		SOLE		4,143	0	500
McDonalds Corp.	Common Stock	580135101	1,301,468	5,107	SH		SOLE		3,690	0	1,417
Medtronic PLC	Int'l Common Stock	G5960L103	591,584	7,516	SH		SOLE		7,516	0	0
Merck and Co Inc.	Common Stock	58933Y105	2,471,419	19,963	SH		SOLE		19,151	0	812
Meta Platforms Inc	Common Stock	30303M102	425,057	843	SH		SOLE		548	0	295
Microsoft Corp.	Common Stock	594918104	10,825,992	24,222	SH		SOLE		18,190	0	6,032
Mondelez International Inc	Common Stock	609207105	607,938	9,290	SH		SOLE		8,748	0	542
New Linde PLC	Int'l Common Stock	G54950103	724,914	1,652	SH		SOLE		160	0	1,492
NextEra Energy Inc.	Common Stock	65339F101	651,523	9,201	SH		SOLE		9,201	0	0
Nike Inc.	Common Stock	654106103	774,050	10,270	SH		SOLE		8,409	0	1,861
Norfolk Southern Corp.	Common Stock	655844108	371,414	1,730	SH		SOLE		1,167	0	563
Novartis AG ADR	Int'l Common Stock	66987V109	1,096,964	10,304	SH		SOLE		8,438	0	1,866
Nvidia Corp	Common Stock	67066G104	4,654,987	37,680	SH		SOLE		17,680	0	20,000
NXP Semiconductors	Int'l Common Stock	N6596X109	439,962	1,635	SH		SOLE		1,635	0	0
Omnicom Group Inc.	Common Stock	681919106	206,310	2,300	SH		SOLE		2,300	0	0
Oracle Corporation	Common Stock	68389X105	795,380	5,633	SH		SOLE		4,242	0	1,391
Pepsico Inc.	Common Stock	713448108	2,538,438	15,391	SH		SOLE		7,180	0	8,211
Pfizer Inc.	Common Stock	717081103	1,102,356	39,398	SH		SOLE		38,798	0	600
Phillips 66	Common Stock	718546104	461,908	3,272	SH		SOLE		3,272	0	0
PNC Financial Services Group Inc.	Common Stock	693475105	364,290	2,343	SH		SOLE		2,178	0	165
Polaris Inc	Common Stock	731068102	237,436	3,032	SH		SOLE		3,032	0	0
Procter & Gamble Co.	Common Stock	742718109	263,872	1,600	SH		OTR		1,600	0	0
Procter & Gamble Co.	Common Stock	742718109	13,356,541	80,988	SH		SOLE		74,287	0	6,701
Prudential Financial Inc.	Common Stock	744320102	619,818	5,289	SH		SOLE		5,289	0	0
RTX Corporation	Common Stock	75513E101	712,709	7,099	SH		SOLE		4,609	0	2,490
Schwab Strategic US TIPS ETF	Fixed Income ETF	808524870	1,023,609	19,681	SH		SOLE		19,508	0	173
Schwab US Dividend Equity ETF	Exchange Traded Fund	808524797	510,883	6,570	SH		SOLE		6,570	0	0
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	13,628,627	135,151	SH		SOLE		135,151	0	0
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	11,798,055	159,261	SH		SOLE		159,261	0	0
Schwab US Large-Cap	Exchange Traded Fund	808524201	452,449	7,042	SH		SOLE		7,042	0	0
Skyworks Solutions Inc	Common Stock	83088M102	729,007	6,840	SH		SOLE		6,840	0	0
Southern Co.	Common Stock	842587107	470,927	6,071	SH		SOLE		6,039	0	32
SPDR Gold TR	Exchange Traded Fund	78463V107	1,264,689	5,882	SH		SOLE		5,445	0	437
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	5,635,398	10,355	SH		SOLE		9,950	0	405
SPDR S&P 500 Value	Exchange Traded Fund	78464A508	243,700	5,000	SH		OTR		5,000	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	957,793	1,790	SH		SOLE		1,790	0	0
SPDR S&P Regional Banking ETF	Exchange Traded Fund	78464A698	219,428	4,469	SH		SOLE		4,469	0	0
Starbucks Corp.	Common Stock	855244109	846,852	10,878	SH		SOLE		10,878	0	0
Stryker Corp.	Common Stock	863667101	330,723	972	SH		SOLE		972	0	0
Sysco Corp.	Common Stock	871829107	394,358	5,524	SH		SOLE		5,249	0	275
T Rowe Price Group Inc.	Common Stock	74144T108	243,304	2,110	SH		SOLE		2,110	0	0
Taiwan Semiconductor MFG Ltd	Int'l Common Stock	874039100	270,101	1,554	SH		SOLE		1,379	0	175
Target Corporation	Common Stock	87612E106	275,206	1,859	SH		SOLE		1,606	0	253
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	2,689,875	11,890	SH		SOLE		1,540	0	10,350
Tesla Inc.	Common Stock	88160R101	765,796	3,870	SH		SOLE		3,870	0	0
Texas Instruments Inc.	Common Stock	882508104	298,215	1,533	SH		SOLE		1,132	0	401
TJX Companies Inc.	Common Stock	872540109	1,942,274	17,641	SH		SOLE		9,356	0	8,285
Tractor Supply Co.	Common Stock	892356106	280,800	1,040	SH		SOLE		1,040	0	0
U.S. Bancorp	Common Stock	902973304	2,514,598	63,340	SH		SOLE		35,975	0	27,365
United Health Group Inc.	Common Stock	91324P102	240,371	472	SH		SOLE		425	0	47
United Parcel Service Inc	Common Stock	911312106	428,067	3,128	SH		SOLE		3,070	0	58
Vanguard FTSE Developed Markets ETF	International Equity ETF	921943858	328,594	6,649	SH		SOLE		6,649	0	0
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	452,034	3,811	SH		SOLE		710	0	3,101
Vanguard Intermediate-Term Treasury	Fixed Income ETF	92206C706	1,153,886	19,816	SH		SOLE		19,816	0	0
Vanguard International Equity Index Fund	International Equity ETF	922042858	207,072	4,732	SH		SOLE		4,188	0	544
Vanguard Long-Term Corporate Bond	Fixed Income ETF	92206C813	365,190	4,814	SH		SOLE		4,814	0	0
Vanguard Short Term Treasury ETF	Fixed Income ETF	92206C102	869,850	15,000	SH		SOLE		15,000	0	0
Vanguard Total Stock Market Index	Exchange Traded Fund	922908769	334,388	1,250	SH		SOLE		1,250	0	0
Verizon Communications Inc.	Common Stock	92343V104	431,577	10,465	SH		SOLE		8,904	0	1,561
Verizon Communications Inc.	Common Stock	92343V104	67,881	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	260,633	993	SH		SOLE		695	0	298
Walmart Inc.	Common Stock	931142103	1,042,734	15,400	SH		SOLE		13,697	0	1,703
Welltower Inc.	Common Stock	95040Q104	414,185	3,973	SH		SOLE		3,973	0	0
Whirlpool Corp.	Common Stock	963320106	410,946	4,021	SH		SOLE		4,021	0	0
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,804,703	25,479	SH		SOLE		25,479	0	0