Farmers National Bank 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

OMB APPROVAL

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 Company	Equities	88579Y101	271,814	2,586	SH		SOLE		2,586	0	0
Abbott Laboratories	Equities	002824100	121,512	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	578,195	5,710	SH		SOLE		5,710	0	0
Abbvie Inc	Equities	00287Y109	191,244	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	887,691	5,570	SH		SOLE		5,570	0	0
Accenture Plc Class A	Equities	G1151C101	10,861	38	SH		DFND		38	0	0
Accenture Plc Class A	Equities	G1151C101	5,413,527	18,941	SH		SOLE		18,771	90	80
Allstate Corp	Equities	020002101	5,430	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,201,744	28,894	SH		SOLE		28,844	50	0
Alphabet Inc Class A	Equities	02079K305	530,579	5,115	SH		SOLE		5,115	0	0
Alphabet Inc Class C	Equities	02079K107	633,256	6,089	SH		SOLE		6,089	0	0
Amazon.com Inc	Equities	023135106	769,717	7,452	SH		SOLE		7,452	0	0
Amgen Inc	Equities	031162100	21,999	91	SH		DFND		91	0	0
Amgen Inc	Equities	031162100	680,768	2,816	SH		SOLE		2,816	0	0
Apple Inc.	Equities	037833100	113,121	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	15,682,650	95,104	SH		SOLE		94,639	330	135
AT&T Inc	Equities	00206R102	50,762	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	2,469,159	128,268	SH		SOLE		127,693	500	75
Automatic Data Processing	Equities	053015103	279,846	1,257	SH		SOLE		1,257	0	0
Bank of New York Mellon Corp	Equities	064058100	4,544	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	499,885	11,001	SH		SOLE		11,001	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	15,747	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	1,040,246	3,369	SH		SOLE		3,369	0	0
Blackrock Inc	Equities	09247X101	6,691	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	4,426,229	6,615	SH		SOLE		6,595	0	20
Bristol-Myers Squibb Co	Equities	110122108	117,827	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	660,386	9,528	SH		SOLE		9,528	0	0
Broadcom Ltd	Equities	11135F101	2,671,373	4,164	SH		SOLE		4,139	25	0
Carrier Global Corp	Equities	14448C104	4,118	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	308,904	6,752	SH		SOLE		6,752	0	0
Caterpillar Inc	Equities	149123101	3,433	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	865,702	3,783	SH		SOLE		3,783	0	0
Cencora Inc	Equities	03073E105	215,668	1,347	SH		SOLE		1,347	0	0
Chevron Corp	Equities	166764100	36,548	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	7,011,475	42,973	SH		SOLE		41,668	110	1,195
Chubb LTD Corp	Equities	H1467J104	8,738	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	340,203	1,752	SH		SOLE		1,752	0	0
Cisco Systems Inc	Equities	17275R102	25,824	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	3,250,669	62,184	SH		SOLE		61,944	200	40
Clorox Company	Equities	189054109	823,481	5,204	SH		SOLE		5,064	0	140
Coca-Cola Company	Equities	191216100	136,466	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	5,191,043	83,686	SH		SOLE		83,356	300	30
Colgate-Palmolive Co	Equities	194162103	541,230	7,202	SH		SOLE		7,202	0	0
Comcast Corp Class A	Equities	20030N101	13,079	345	SH		DFND		345	0	0
Comcast Corp Class A	Equities	20030N101	3,594,892	94,827	SH		SOLE		94,377	450	0
Communication Services SPDR	Equities	81369Y852	610,308	10,528	SH		SOLE		10,528	0	0
Costco Wholesale Corp	Equities	22160K105	208,189	419	SH		SOLE		419	0	0
CSX Corp	Equities	126408103	272,993	9,118	SH		SOLE		9,118	0	0
CVS Health Corp	Equities	126650100	19,172	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	5,025,957	67,635	SH		SOLE		66,829	350	456
Darden Restaurants Inc	Equities	237194105	487,668	3,143	SH		SOLE		3,143	0	0
Deere & Co	Equities	244199105	694,877	1,683	SH		SOLE		1,683	0	0
Dimensional US Marketwide Value	Equities	25434V724	1,772,297	52,936	SH		SOLE		52,936	0	0
Duke Energy Corp	Equities	26441C204	3,184	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	2,911,368	30,179	SH		SOLE		29,792	97	290
Ecolab Inc	Equities	278865100	11,422	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	2,030,557	12,267	SH		SOLE		12,217	50	0
Eli Lilly & Co.	Equities	532457108	1,093,793	3,185	SH		SOLE		3,185	0	0
Emerson Electric Co	Equities	291011104	536,434	6,156	SH		SOLE		6,156	0	0
Enbridge Inc	Equities	29250N105	312,716	8,197	SH		SOLE		8,197	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	319,166	1,295	SH		SOLE		1,295	0	0
Exxon Mobil Corp	Equities	30231G102	4,150,192	37,846	SH		SOLE		36,446	0	1,400
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	9,008	213	SH		DFND		213	0	0
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	10,943,130	258,764	SH		SOLE		257,251	947	566
Flexshares Yr. TIPS ETF	Equities	33939L605	6,784	277	SH		DFND		277	0	0
Flexshares Yr. TIPS ETF	Equities	33939L605	7,024,785	286,843	SH		SOLE		285,668	875	300
General Dynamics Corp	Equities	369550108	12,323	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	2,159,551	9,463	SH		SOLE		9,323	40	100
General Mills Inc	Equities	370334104	573,864	6,715	SH		SOLE		6,715	0	0
Genuine Parts Co	Equities	372460105	308,185	1,842	SH		SOLE		1,842	0	0
Hershey Co Foods	Equities	427866108	285,448	1,122	SH		SOLE		1,122	0	0
Home Depot Inc	Equities	437076102	83,519	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	6,727,556	22,796	SH		SOLE		22,526	75	195
Honeywell International Inc	Equities	438516106	49,309	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	4,971,987	26,015	SH		SOLE		25,835	95	85
Intel Corporation	Equities	458140100	22,869	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	1,474,626	45,137	SH		SOLE		44,987	100	50
International Business Machines	Equities	459200101	8,652	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,764,557	21,089	SH		SOLE		21,009	80	0
Invesco Bulletshares 2023 Munic	Equities	46138J544	9,990	398	SH		DFND		398	0	0
Invesco Bulletshares 2023 Munic	Equities	46138J544	863,817	34,415	SH		SOLE		34,415	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	10,083	405	SH		DFND		405	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	1,332,699	53,530	SH		SOLE		53,530	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	9,767	398	SH		DFND		398	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	1,052,496	42,889	SH		SOLE		42,889	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	9,659	406	SH		DFND		406	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	1,559,955	65,573	SH		SOLE		65,573	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	5,108	214	SH		DFND		214	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	865,001	36,238	SH		SOLE		36,238	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	5,134	217	SH		DFND		217	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	1,084,220	45,825	SH		SOLE		45,825	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	5,145	220	SH		DFND		220	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	906,390	38,756	SH		SOLE		38,756	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	9,514	428	SH		DFND		428	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	1,276,247	57,411	SH		SOLE		57,411	0	0
Invesco Bulletshares 2031 Munic	Equities	46138J411	414,822	19,367	SH		SOLE		19,367	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	295,940	3,602	SH		SOLE		3,602	0	0
iShares Core S&P 500 ETF	Equities	464287200	840,248	2,044	SH		SOLE		2,044	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	497,568	1,989	SH		SOLE		1,989	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,524,622	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	841,548	33,408	SH		SOLE		33,408	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	1,402,048	57,017	SH		SOLE		57,017	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	905,599	36,918	SH		SOLE		36,918	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	1,126,012	47,451	SH		SOLE		47,451	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	954,872	40,087	SH		SOLE		40,087	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	1,006,379	40,352	SH		SOLE		40,352	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	659,470	28,823	SH		SOLE		28,823	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	793,876	36,873	SH		SOLE		36,873	0	0
iShares iBonds 2031 Corporate E	Equities	46436E486	426,424	20,660	SH		SOLE		20,660	0	0
iShares MBS ETF	Equities	464288588	1,523,069	16,078	SH		SOLE		16,078	0	0
iShares Russell 1000 ETF	Equities	464287622	422,982	1,878	SH		SOLE		1,878	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	702,693	2,876	SH		SOLE		2,876	0	0
iShares Russell 1000 Value ETF	Equities	464287598	283,051	1,859	SH		SOLE		1,859	0	0
iShares Russell 2000 ETF	Equities	464287655	1,103,582	6,186	SH		SOLE		6,186	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,241,849	17,761	SH		SOLE		17,761	0	0
iShares S&P Mid-Cap 400 Growth	Equities	464287606	209,524	2,930	SH		SOLE		2,930	0	0
iShares Select Dividend ETF	Equities	464287168	1,108,054	9,456	SH		SOLE		9,456	0	0
iShares Short Treasury Bond	Equities	464288679	250,946	2,271	SH		SOLE		2,271	0	0
iShares Trust Core US Aggregate	Equities	464287226	273,412	2,744	SH		SOLE		2,744	0	0
iShares US Preferred Stock ETF	Equities	464288687	377,949	12,106	SH		SOLE		12,106	0	0
Johnson & Johnson	Equities	478160104	32,550	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	8,709,450	56,190	SH		SOLE		55,755	140	295
JP Morgan Chase	Equities	46625H100	80,271	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	8,508,070	65,291	SH		SOLE		64,998	133	160
Kentucky First Federal Bancorp	Equities	491292108	76,363	12,218	SH		SOLE		12,218	0	0
Kimberly-Clark Corp	Equities	494368103	714,722	5,325	SH		SOLE		5,325	0	0
Lockheed Martin Corp	Equities	539830109	315,784	668	SH		SOLE		668	0	0
Lowe's Companies Inc	Equities	548661107	1,664,750	8,325	SH		SOLE		8,125	0	200
Mastercard Inc Class A	Equities	57636Q104	3,870,317	10,650	SH		SOLE		10,238	0	412
McDonald's Corp	Equities	580135101	20,971	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	7,358,217	26,316	SH		SOLE		26,111	70	135
Medtronic Plc Corp	Equities	G5960L103	2,652,237	32,898	SH		SOLE		32,573	120	205
Merck & Co Inc	Equities	58933Y105	9,043	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,459,245	13,716	SH		SOLE		13,541	0	175
Microsoft Corp	Equities	594918104	165,773	575	SH		DFND		575	0	0
Microsoft Corp	Equities	594918104	15,037,151	52,158	SH		SOLE		51,706	185	267
Mondelez International Inc A	Equities	609207105	15,129	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	2,480,847	35,583	SH		SOLE		35,343	240	0
Morgan Stanley Corp	Equities	617446448	357,609	4,073	SH		SOLE		4,073	0	0
Nextera Energy Inc	Equities	65339F101	6,552	85	SH		DFND		85	0	0
Nextera Energy Inc	Equities	65339F101	3,928,613	50,968	SH		SOLE		50,593	125	250
Nike Inc Class B	Equities	654106103	4,906	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	995,224	8,115	SH		SOLE		8,115	0	0
Norfolk Southern Corp	Equities	655844108	17,172	81	SH		DFND		81	0	0
Norfolk Southern Corp	Equities	655844108	5,054,716	23,843	SH		SOLE		23,793	50	0
Novartis Ag ADR	Equities	66987V109	389,344	4,232	SH		SOLE		4,232	0	0
NVIDIA Corp	Equities	67066G104	654,148	2,355	SH		SOLE		2,355	0	0
Opko Health Inc	Equities	68375N103	73,438	50,300	SH		SOLE		50,300	0	0
Oracle Corporation	Equities	68389X105	517,193	5,566	SH		SOLE		5,566	0	0
Otis Worldwide Corp	Equities	68902V107	3,798	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	284,934	3,376	SH		SOLE		3,376	0	0
Pepsico Inc	Equities	713448108	3,380,983	18,546	SH		SOLE		18,221	0	325
Pfizer Inc	Equities	717081103	27,173	666	SH		DFND		666	0	0
Pfizer Inc	Equities	717081103	5,104,325	125,106	SH		SOLE		124,011	270	825
PNC Financial Services Group	Equities	693475105	536,743	4,223	SH		SOLE		4,223	0	0
PPG Industries Inc	Equities	693506107	566,646	4,242	SH		SOLE		4,242	0	0
Procter & Gamble Co	Equities	742718109	275,969	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	8,890,175	59,790	SH		SOLE		59,325	100	365
Raytheon Technologies Corp	Equities	75513E101	17,334	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	849,053	8,670	SH		SOLE		8,670	0	0
Realty Income Corp REIT	Equities	756109104	31,660	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,204,410	19,021	SH		SOLE		18,646	0	375
Shoshone Silver Mining Company	Equities	825356108	1	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	6,262	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,444,411	20,759	SH		SOLE		20,484	0	275
SPDR Dow Jones Industrial Avera	Equities	78467X109	239,819	721	SH		SOLE		721	0	0
SPDR S&P 500 ETF	Equities	78462F103	98,254	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	2,217,666	5,417	SH		SOLE		5,417	0	0
Starbucks Corp	Equities	855244109	56,438	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	5,074,776	48,735	SH		SOLE		48,475	200	60
T Rowe Price Group Inc.	Equities	74144T108	684,739	6,065	SH		SOLE		5,790	0	275
Target Co	Equities	87612E106	14,907	90	SH		DFND		90	0	0
Target Co	Equities	87612E106	3,377,361	20,391	SH		SOLE		20,216	100	75
TJX Companies Inc	Equities	872540109	327,702	4,182	SH		SOLE		4,182	0	0
Truist Financial Corp	Equities	89832Q109	1,535	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	1,159,741	34,010	SH		SOLE		34,010	0	0
U.S. Bancorp	Equities	902973304	250,891	6,960	SH		SOLE		6,610	0	350
Unilever Plc ADR	Equities	904767704	21,551	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	370,988	7,144	SH		SOLE		6,779	0	365
Union Pacific Corp	Equities	907818108	1,071,508	5,324	SH		SOLE		5,324	0	0
United Parcel Service Inc Class	Equities	911312106	62,077	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	5,117,650	26,381	SH		SOLE		25,981	50	350
UnitedHealth Group Inc	Equities	91324P102	648,393	1,372	SH		SOLE		1,372	0	0
Vanguard Developed Markets Inde	Equities	921943858	526,682	11,660	SH		SOLE		11,660	0	0
Vanguard Dividend Appreciation	Equities	921908844	632,057	4,104	SH		SOLE		4,104	0	0
Vanguard Growth Index ETF	Equities	922908736	718,138	2,879	SH		SOLE		2,879	0	0
Vanguard Idx Total Stock Market	Equities	922908769	332,071	1,627	SH		SOLE		1,627	0	0
Vanguard Information Technology	Equities	92204A702	19,274	50	SH		DFND		50	0	0
Vanguard Information Technology	Equities	92204A702	2,906,829	7,541	SH		SOLE		7,276	0	265
Vanguard Large Cap Index ETF	Equities	922908637	495,607	2,653	SH		SOLE		2,653	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	901,050	4,272	SH		SOLE		4,272	0	0
Vanguard REIT Index ETF	Equities	922908553	773,518	9,315	SH		SOLE		9,315	0	0
Vanguard S&P 500 ETF	Equities	922908363	716,413	1,905	SH		SOLE		1,905	0	0
Vanguard Small-Cap Index ETF	Equities	922908751	575,125	3,034	SH		SOLE		3,034	0	0
Vanguard Value Index ETF	Equities	922908744	434,218	3,144	SH		SOLE		3,144	0	0
Verizon Communications Inc	Equities	92343V104	41,418	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	231,045	5,941	SH		SOLE		5,941	0	0
Visa Inc Class A	Equities	92826C839	31,564	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,960,571	22,002	SH		SOLE		21,457	0	545
Walgreens Boots Alliance Inc	Equities	931427108	51,870	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	440,549	12,740	SH		SOLE		12,740	0	0
Walmart Stores Inc	Equities	931142103	17,694	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	1,045,863	7,093	SH		SOLE		7,093	0	0
Walt Disney Co	Equities	254687106	30,540	305	SH		DFND		305	0	0
Walt Disney Co	Equities	254687106	4,356,356	43,507	SH		SOLE		43,017	230	260
Wisdomtree Global Ex-US Quality	Equities	97717W802	895,844	23,794	SH		SOLE		23,794	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	1,543,635	37,668	SH		SOLE		37,668	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	1,230,222	43,075	SH		SOLE		43,075	0	0