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
Expires:	Oct 31, 2018
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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	447,746	4,052	SH		SOLE		4,052	0	0
Abbott Laboratories	Equities	002824100	116,112	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	563,530	5,824	SH		SOLE		5,824	0	0
Abbvie Inc	Equities	00287Y109	161,052	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	786,739	5,862	SH		SOLE		5,862	0	0
Accenture Plc Class A	Equities	G1151C101	9,777	38	SH		DFND		38	0	0
Accenture Plc Class A	Equities	G1151C101	4,750,015	18,461	SH		SOLE		18,291	90	80
Allstate Corp	Equities	020002101	6,102	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,593,562	28,857	SH		SOLE		28,807	50	0
Alphabet Inc Class A	Equities	02079K305	433,295	4,530	SH		SOLE		4,530	0	0
Alphabet Inc Class C	Equities	02079K107	646,224	6,721	SH		SOLE		6,721	0	0
Amazon.com Inc	Equities	023135106	865,128	7,656	SH		SOLE		7,656	0	0
American Express	Equities	025816109	211,404	1,567	SH		SOLE		1,567	0	0
Amgen Inc	Equities	031162100	20,511	91	SH		DFND		91	0	0
Amgen Inc	Equities	031162100	667,860	2,963	SH		SOLE		2,963	0	0
Apple Inc.	Equities	037833100	94,805	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	13,415,903	97,076	SH		SOLE		96,661	330	85
AT&T Inc	Equities	00206R102	40,452	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	1,838,944	119,879	SH		SOLE		119,228	540	111
Automatic Data Processing	Equities	053015103	263,059	1,163	SH		SOLE		1,163	0	0
Bank of New York Mellon Corp	Equities	064058100	3,852	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	443,365	11,510	SH		SOLE		11,510	0	0
Baxter International Inc	Equities	071813109	217,541	4,039	SH		SOLE		4,039	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	13,618	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	927,895	3,475	SH		SOLE		3,475	0	0
Blackrock Inc	Equities	09247X101	5,503	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	3,241,149	5,890	SH		SOLE		5,870	0	20
Bristol-Myers Squibb Co	Equities	110122108	120,853	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	703,649	9,898	SH		SOLE		9,898	0	0
Broadcom Ltd	Equities	11135F101	1,129,117	2,543	SH		SOLE		2,518	25	0
Carrier Global Corp	Equities	14448C104	3,200	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	238,252	6,700	SH		SOLE		6,700	0	0
Caterpillar Inc	Equities	149123101	2,461	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	642,045	3,913	SH		SOLE		3,913	0	0
Cencora Inc	Equities	03073E105	202,995	1,500	SH		SOLE		1,500	0	0
Chevron Corp	Equities	166764100	32,182	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	6,196,487	43,130	SH		SOLE		41,819	110	1,201
Chubb LTD Corp	Equities	H1467J104	8,185	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	324,474	1,784	SH		SOLE		1,784	0	0
Cisco Systems Inc	Equities	17275R102	19,760	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	2,513,120	62,828	SH		SOLE		62,588	200	40
Clorox Company	Equities	189054109	725,660	5,652	SH		SOLE		5,512	0	140
Coca-Cola Company	Equities	191216100	123,244	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	4,776,433	85,263	SH		SOLE		84,933	300	30
Colgate-Palmolive Co	Equities	194162103	551,954	7,857	SH		SOLE		7,857	0	0
Comcast Corp Class A	Equities	20030N101	10,119	345	SH		DFND		345	0	0
Comcast Corp Class A	Equities	20030N101	2,877,361	98,103	SH		SOLE		97,653	450	0
Costco Wholesale Corp	Equities	22160K105	216,300	458	SH		SOLE		458	0	0
CSX Corp	Equities	126408103	245,568	9,218	SH		SOLE		9,218	0	0
CVS Health Corp	Equities	126650100	24,605	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	5,903,880	61,905	SH		SOLE		61,459	400	46
Darden Restaurants Inc	Equities	237194105	390,834	3,094	SH		SOLE		3,094	0	0
Deere & Co	Equities	244199105	551,586	1,652	SH		SOLE		1,652	0	0
Dimensional US Marketwide Value	Equities	25434V724	1,641,490	55,437	SH		SOLE		55,437	0	0
Dominion Energy Inc	Equities	25746U109	220,530	3,191	SH		SOLE		3,191	0	0
Duke Energy Corp	Equities	26441C204	3,070	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	2,804,739	30,152	SH		SOLE		29,757	97	298
Ecolab Inc	Equities	278865100	9,965	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	1,897,679	13,140	SH		SOLE		13,090	50	0
Eli Lilly & Co.	Equities	532457108	1,096,157	3,390	SH		SOLE		3,390	0	0
Emerson Electric Co	Equities	291011104	458,870	6,267	SH		SOLE		6,267	0	0
Enbridge Inc	Equities	29250N105	301,438	8,125	SH		SOLE		8,125	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	278,295	1,289	SH		SOLE		1,289	0	0
Exxon Mobil Corp	Equities	30231G102	3,345,457	38,317	SH		SOLE		36,917	0	1,400
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	4,360	116	SH		DFND		116	0	0
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	9,228,157	245,495	SH		SOLE		244,181	947	367
Flexshares Yr. TIPS ETF	Equities	33939L605	2,785	119	SH		DFND		119	0	0
Flexshares Yr. TIPS ETF	Equities	33939L605	7,420,210	317,103	SH		SOLE		315,938	1,132	33
General Dynamics Corp	Equities	369550108	11,457	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	1,943,477	9,160	SH		SOLE		9,020	40	100
General Mills Inc	Equities	370334104	514,436	6,715	SH		SOLE		6,715	0	0
Genuine Parts Co	Equities	372460105	283,409	1,898	SH		SOLE		1,898	0	0
Goldman Sachs Group Inc	Equities	38141G104	230,630	787	SH		SOLE		787	0	0
Hershey Co Foods	Equities	427866108	247,367	1,122	SH		SOLE		1,122	0	0
Home Depot Inc	Equities	437076102	78,091	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	6,186,851	22,421	SH		SOLE		22,151	75	195
Honeywell International Inc	Equities	438516106	43,078	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	4,268,922	25,567	SH		SOLE		25,387	95	85
Intel Corporation	Equities	458140100	18,039	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	1,643,353	63,770	SH		SOLE		63,420	300	50
International Business Machines	Equities	459200101	7,841	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,446,654	20,593	SH		SOLE		20,513	80	0
Invesco Bulletshares 2023 Munic	Equities	46138J544	9,862	398	SH		DFND		398	0	0
Invesco Bulletshares 2023 Munic	Equities	46138J544	264,973	10,693	SH		SOLE		10,693	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	9,872	405	SH		DFND		405	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	859,142	35,246	SH		SOLE		35,246	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	9,471	398	SH		DFND		398	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	363,426	15,273	SH		SOLE		15,273	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	9,264	406	SH		DFND		406	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	1,115,787	48,902	SH		SOLE		48,902	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	4,879	214	SH		DFND		214	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	227,909	9,996	SH		SOLE		9,996	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	4,841	217	SH		DFND		217	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	748,880	33,567	SH		SOLE		33,567	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	4,829	220	SH		DFND		220	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	464,342	21,156	SH		SOLE		21,156	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	8,885	428	SH		DFND		428	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	794,642	38,277	SH		SOLE		38,277	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	344,655	4,244	SH		SOLE		4,244	0	0
iShares Core S&P 500 ETF	Equities	464287200	721,604	2,012	SH		SOLE		2,012	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	347,746	1,586	SH		SOLE		1,586	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,474,899	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	593,386	23,783	SH		SOLE		23,783	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	1,167,461	47,945	SH		SOLE		47,945	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	727,109	30,133	SH		SOLE		30,133	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	959,897	41,554	SH		SOLE		41,554	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	845,986	36,782	SH		SOLE		36,782	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	887,462	37,304	SH		SOLE		37,304	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	542,179	24,882	SH		SOLE		24,882	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	709,820	35,034	SH		SOLE		35,034	0	0
iShares iBonds 2031 Corporate E	Equities	46436E486	298,776	15,314	SH		SOLE		15,314	0	0
iShares MBS ETF	Equities	464288588	1,481,581	16,178	SH		SOLE		16,178	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	565,345	2,687	SH		SOLE		2,687	0	0
iShares Russell 1000 Value ETF	Equities	464287598	253,757	1,866	SH		SOLE		1,866	0	0
iShares Russell 2000 ETF	Equities	464287655	1,056,642	6,407	SH		SOLE		6,407	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,107,637	17,822	SH		SOLE		17,822	0	0
iShares Select Dividend ETF	Equities	464287168	996,932	9,298	SH		SOLE		9,298	0	0
iShares Short Treasury Bond	Equities	464288679	284,240	2,584	SH		SOLE		2,584	0	0
iShares US Preferred Stock ETF	Equities	464288687	942,214	29,751	SH		SOLE		29,751	0	0
Johnson & Johnson	Equities	478160104	34,306	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	9,175,278	56,166	SH		SOLE		55,725	140	301
JP Morgan Chase	Equities	46625H100	64,372	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	6,690,926	64,028	SH		SOLE		63,735	133	160
Kentucky First Federal Bancorp	Equities	491292108	89,395	12,416	SH		SOLE		12,416	0	0
Kimberly-Clark Corp	Equities	494368103	599,276	5,325	SH		SOLE		5,325	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	1,215	11,250	SH		SOLE		11,250	0	0
Linde Plc	Equities	G5494J103	19,950	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	2,583,211	9,582	SH		SOLE		9,537	45	0
Lockheed Martin Corp	Equities	539830109	265,768	688	SH		SOLE		688	0	0
Lowe's Companies Inc	Equities	548661107	1,551,311	8,260	SH		SOLE		8,060	0	200
Mastercard Inc Class A	Equities	57636Q104	3,056,086	10,748	SH		SOLE		10,336	0	412
McDonald's Corp	Equities	580135101	17,306	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	6,222,366	26,967	SH		SOLE		26,737	95	135
Medtronic Plc Corp	Equities	G5960L103	2,585,777	32,022	SH		SOLE		31,697	120	205
Merck & Co Inc	Equities	58933Y105	7,320	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,238,406	14,380	SH		SOLE		14,205	0	175
Microsoft Corp	Equities	594918104	133,918	575	SH		DFND		575	0	0
Microsoft Corp	Equities	594918104	12,198,836	52,378	SH		SOLE		51,926	185	267
Mondelez International Inc A	Equities	609207105	11,898	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	1,919,927	35,016	SH		SOLE		34,776	240	0
Morgan Stanley Corp	Equities	617446448	320,228	4,053	SH		SOLE		4,053	0	0
Nextera Energy Inc	Equities	65339F101	6,665	85	SH		DFND		85	0	0
Nextera Energy Inc	Equities	65339F101	3,903,720	49,786	SH		SOLE		49,411	125	250
Nike Inc Class B	Equities	654106103	3,325	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	711,507	8,560	SH		SOLE		8,560	0	0
Norfolk Southern Corp	Equities	655844108	16,982	81	SH		DFND		81	0	0
Norfolk Southern Corp	Equities	655844108	4,931,178	23,521	SH		SOLE		23,471	50	0
Novartis Ag ADR	Equities	66987V109	542,331	7,135	SH		SOLE		6,885	0	250
NVIDIA Corp	Equities	67066G104	259,775	2,140	SH		SOLE		2,140	0	0
Opko Health Inc	Equities	68375N103	95,067	50,300	SH		SOLE		50,300	0	0
Oracle Corporation	Equities	68389X105	336,984	5,518	SH		SOLE		5,518	0	0
Otis Worldwide Corp	Equities	68902V107	2,871	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	222,343	3,485	SH		SOLE		3,485	0	0
Pepsico Inc	Equities	713448108	3,106,022	19,025	SH		SOLE		18,694	0	331
Pfizer Inc	Equities	717081103	29,144	666	SH		DFND		666	0	0
Pfizer Inc	Equities	717081103	5,585,439	127,638	SH		SOLE		126,521	270	847
PNC Financial Services Group	Equities	693475105	702,722	4,703	SH		SOLE		4,703	0	0
PPG Industries Inc	Equities	693506107	485,929	4,390	SH		SOLE		4,390	0	0
Procter & Gamble Co	Equities	742718109	234,320	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	7,788,994	61,695	SH		SOLE		61,222	100	373
Raytheon Technologies Corp	Equities	75513E101	14,489	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	706,697	8,633	SH		SOLE		8,633	0	0
Realty Income Corp REIT	Equities	756109104	29,100	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,143,688	19,651	SH		SOLE		19,276	0	375
Shoshone Silver Mining Company	Equities	825356108	1	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	6,120	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,531,496	22,522	SH		SOLE		22,247	0	275
SPDR Dow Jones Industrial Avera	Equities	78467X109	207,143	721	SH		SOLE		721	0	0
SPDR S&P 500 ETF	Equities	78462F103	85,723	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	914,738	2,561	SH		SOLE		2,561	0	0
Starbucks Corp	Equities	855244109	45,669	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	4,007,237	47,558	SH		SOLE		47,298	200	60
T Rowe Price Group Inc.	Equities	74144T108	747,356	7,117	SH		SOLE		6,842	0	275
Target Co	Equities	87612E106	13,355	90	SH		DFND		90	0	0
Target Co	Equities	87612E106	3,094,080	20,851	SH		SOLE		20,676	100	75
TJX Companies Inc	Equities	872540109	259,786	4,182	SH		SOLE		4,182	0	0
Truist Financial Corp	Equities	89832Q109	1,959	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	1,589,515	36,507	SH		SOLE		36,507	0	0
U.S. Bancorp	Equities	902973304	283,732	7,037	SH		SOLE		6,687	0	350
Unilever Plc ADR	Equities	904767704	18,194	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	319,769	7,294	SH		SOLE		6,929	0	365
Union Pacific Corp	Equities	907818108	1,052,028	5,400	SH		SOLE		5,400	0	0
United Parcel Service Inc Class	Equities	911312106	51,693	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	4,129,770	25,565	SH		SOLE		25,165	50	350
UnitedHealth Group Inc	Equities	91324P102	680,794	1,348	SH		SOLE		1,348	0	0
Vanguard Developed Markets Inde	Equities	921943858	371,636	10,221	SH		SOLE		10,221	0	0
Vanguard Dividend Appreciation	Equities	921908844	600,651	4,444	SH		SOLE		4,444	0	0
Vanguard Growth Index ETF	Equities	922908736	401,370	1,876	SH		SOLE		1,876	0	0
Vanguard Idx Total Stock Market	Equities	922908769	353,556	1,970	SH		SOLE		1,970	0	0
Vanguard Information Technology	Equities	92204A702	29,200	95	SH		DFND		95	0	0
Vanguard Information Technology	Equities	92204A702	2,435,293	7,923	SH		SOLE		7,658	0	265
Vanguard Large Cap Index ETF	Equities	922908637	438,014	2,678	SH		SOLE		2,678	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	700,226	3,725	SH		SOLE		3,725	0	0
Vanguard REIT Index ETF	Equities	922908553	633,744	7,905	SH		SOLE		7,905	0	0
Vanguard S&P 500 ETF	Equities	922908363	279,055	850	SH		SOLE		850	0	0
Vanguard Small-Cap Index ETF	Equities	922908751	513,926	3,007	SH		SOLE		3,007	0	0
Vanguard Value Index ETF	Equities	922908744	268,446	2,174	SH		SOLE		2,174	0	0
Verizon Communications Inc	Equities	92343V104	40,438	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	315,455	8,308	SH		SOLE		8,308	0	0
Visa Inc Class A	Equities	92826C839	24,871	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,035,320	22,715	SH		SOLE		22,165	0	550
Walgreens Boots Alliance Inc	Equities	931427108	47,100	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	468,833	14,931	SH		SOLE		14,931	0	0
Walmart Stores Inc	Equities	931142103	15,564	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	910,753	7,022	SH		SOLE		7,022	0	0
Walt Disney Co	Equities	254687106	14,621	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	4,493,127	47,632	SH		SOLE		47,142	230	260
Wisdomtree Global Ex-US Quality	Equities	97717W802	896,297	29,571	SH		SOLE		29,571	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	1,287,372	34,175	SH		SOLE		34,175	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	1,008,442	39,178	SH		SOLE		39,178	0	0