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
Estimated average burden
hours per response:		23.8

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	659,085	5,093	SH		SOLE		5,093	0	0
Abbott Laboratories	Equities	002824100	130,380	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	613,873	5,650	SH		SOLE		5,650	0	0
Abbvie Inc	Equities	00287Y109	183,792	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	950,817	6,208	SH		SOLE		6,208	0	0
Accenture Plc Class A	Equities	G1151C101	10,551	38	SH		DFND		38	0	0
Accenture Plc Class A	Equities	G1151C101	5,019,912	18,080	SH		SOLE		17,910	90	80
Allstate Corp	Equities	020002101	6,210	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,656,794	28,855	SH		SOLE		28,805	50	0
Alphabet Inc Class A	Equities	02079K305	496,871	228	SH		SOLE		228	0	0
Alphabet Inc Class C	Equities	02079K107	765,608	350	SH		SOLE		350	0	0
Amazon.com Inc	Equities	023135106	817,498	7,697	SH		SOLE		7,697	0	0
American Express	Equities	025816109	237,317	1,712	SH		SOLE		1,712	0	0
Amgen Inc	Equities	031162100	22,140	91	SH		DFND		91	0	0
Amgen Inc	Equities	031162100	736,469	3,027	SH		SOLE		3,027	0	0
Apple Inc.	Equities	037833100	93,790	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	13,198,265	96,535	SH		SOLE		96,080	370	85
AT&T Inc	Equities	00206R102	55,272	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	2,291,305	109,318	SH		SOLE		108,667	540	111
Automatic Data Processing	Equities	053015103	220,752	1,051	SH		SOLE		1,051	0	0
Bank of New York Mellon Corp	Equities	064058100	4,171	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	515,619	12,362	SH		SOLE		12,362	0	0
Baxter International Inc	Equities	071813109	270,280	4,208	SH		SOLE		4,208	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	13,924	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	961,030	3,520	SH		SOLE		3,520	0	0
Blackrock Inc	Equities	09247X101	6,090	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	3,448,384	5,662	SH		SOLE		5,642	0	20
Bristol-Myers Squibb Co	Equities	110122108	130,900	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	792,330	10,290	SH		SOLE		10,290	0	0
Broadcom Ltd	Equities	11135F101	746,204	1,536	SH		SOLE		1,521	15	0
Carrier Global Corp	Equities	14448C104	3,209	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	264,027	7,404	SH		SOLE		7,404	0	0
Caterpillar Inc	Equities	149123101	2,681	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	749,719	4,194	SH		SOLE		4,194	0	0
Cencora Inc	Equities	03073E105	212,220	1,500	SH		SOLE		1,500	0	0
Chevron Corp	Equities	166764100	32,431	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	6,243,782	43,126	SH		SOLE		41,815	110	1,201
Chubb LTD Corp	Equities	H1467J104	8,846	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	358,169	1,822	SH		SOLE		1,822	0	0
Cisco Systems Inc	Equities	17275R102	21,064	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	2,614,003	61,304	SH		SOLE		61,064	200	40
Clorox Company	Equities	189054109	810,917	5,752	SH		SOLE		5,612	0	140
Coca-Cola Company	Equities	191216100	138,402	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	5,376,792	85,468	SH		SOLE		85,073	300	95
Colgate-Palmolive Co	Equities	194162103	662,517	8,267	SH		SOLE		8,267	0	0
Comcast Corp Class A	Equities	20030N101	13,538	345	SH		DFND		345	0	0
Comcast Corp Class A	Equities	20030N101	3,676,199	93,685	SH		SOLE		93,235	450	0
Costco Wholesale Corp	Equities	22160K105	215,676	450	SH		SOLE		450	0	0
CSX Corp	Equities	126408103	279,499	9,618	SH		SOLE		9,618	0	0
CVS Health Corp	Equities	126650100	23,906	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	5,543,385	59,825	SH		SOLE		59,379	400	46
Darden Restaurants Inc	Equities	237194105	348,070	3,077	SH		SOLE		3,077	0	0
Deere & Co	Equities	244199105	496,821	1,659	SH		SOLE		1,659	0	0
Dimensional US Marketwide Value	Equities	25434V724	1,842,691	58,313	SH		SOLE		58,313	0	0
Dominion Energy Inc	Equities	25746U109	254,674	3,191	SH		SOLE		3,191	0	0
Duke Energy Corp	Equities	26441C204	3,538	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	3,208,903	29,931	SH		SOLE		29,531	97	303
Ecolab Inc	Equities	278865100	10,609	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	1,932,148	12,566	SH		SOLE		12,516	50	0
Eli Lilly & Co.	Equities	532457108	1,158,798	3,574	SH		SOLE		3,574	0	0
Emerson Electric Co	Equities	291011104	519,396	6,530	SH		SOLE		6,530	0	0
Enbridge Inc	Equities	29250N105	353,758	8,371	SH		SOLE		8,371	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	320,120	1,257	SH		SOLE		1,257	0	0
Exxon Mobil Corp	Equities	30231G102	3,322,147	38,792	SH		SOLE		37,392	0	1,400
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	4,046	102	SH		DFND		102	0	0
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	8,933,367	225,192	SH		SOLE		223,926	947	319
Flexshares Yr. TIPS ETF	Equities	33939L605	2,850	113	SH		DFND		113	0	0
Flexshares Yr. TIPS ETF	Equities	33939L605	7,735,277	306,712	SH		SOLE		305,547	1,132	33
General Dynamics Corp	Equities	369550108	11,948	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	1,929,964	8,723	SH		SOLE		8,583	40	100
General Mills Inc	Equities	370334104	506,647	6,715	SH		SOLE		6,715	0	0
Genuine Parts Co	Equities	372460105	269,458	2,026	SH		SOLE		2,026	0	0
Goldman Sachs Group Inc	Equities	38141G104	270,882	912	SH		SOLE		912	0	0
Hershey Co Foods	Equities	427866108	236,676	1,100	SH		SOLE		1,100	0	0
Home Depot Inc	Equities	437076102	77,618	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	5,977,440	21,794	SH		SOLE		21,524	75	195
Honeywell International Inc	Equities	438516106	44,843	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	4,344,033	24,993	SH		SOLE		24,813	95	85
Intel Corporation	Equities	458140100	26,187	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	2,623,900	70,139	SH		SOLE		69,789	300	50
International Business Machines	Equities	459200101	9,319	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,841,308	20,124	SH		SOLE		20,044	80	0
Invesco Bulletshares 2022 Munic	Equities	46138J551	214,274	8,466	SH		SOLE		8,466	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	10,078	405	SH		DFND		405	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	778,975	31,303	SH		SOLE		31,303	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	9,763	398	SH		DFND		398	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	297,451	12,126	SH		SOLE		12,126	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	9,598	406	SH		DFND		406	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	1,055,263	44,640	SH		SOLE		44,640	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	5,059	214	SH		DFND		214	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	236,320	9,996	SH		SOLE		9,996	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	5,048	217	SH		DFND		217	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	695,103	29,882	SH		SOLE		29,882	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	5,047	220	SH		DFND		220	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	483,369	21,071	SH		SOLE		21,071	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	9,318	428	SH		DFND		428	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	741,486	34,060	SH		SOLE		34,060	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	335,796	4,056	SH		SOLE		4,056	0	0
iShares Core S&P 500 ETF	Equities	464287200	759,058	2,002	SH		SOLE		2,002	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	359,706	1,590	SH		SOLE		1,590	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,561,658	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2022 Corporate E	Equities	46434VBA7	218,287	8,728	SH		SOLE		8,728	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	438,648	17,483	SH		SOLE		17,483	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	1,072,616	43,338	SH		SOLE		43,338	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	683,079	27,655	SH		SOLE		27,655	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	890,817	37,445	SH		SOLE		37,445	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	865,574	36,262	SH		SOLE		36,262	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	858,324	34,388	SH		SOLE		34,388	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	508,984	22,275	SH		SOLE		22,275	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	719,661	33,629	SH		SOLE		33,629	0	0
iShares iBonds 2031 Corporate E	Equities	46436E486	274,138	13,177	SH		SOLE		13,177	0	0
iShares MBS ETF	Equities	464288588	1,546,581	15,864	SH		SOLE		15,864	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	586,335	2,681	SH		SOLE		2,681	0	0
iShares Russell 1000 Value ETF	Equities	464287598	229,488	1,583	SH		SOLE		1,583	0	0
iShares Russell 2000 ETF	Equities	464287655	1,121,333	6,621	SH		SOLE		6,621	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,176,101	18,189	SH		SOLE		18,189	0	0
iShares Select Dividend ETF	Equities	464287168	1,032,907	8,778	SH		SOLE		8,778	0	0
iShares Short Treasury Bond	Equities	464288679	284,498	2,584	SH		SOLE		2,584	0	0
iShares US Preferred Stock ETF	Equities	464288687	1,026,974	31,234	SH		SOLE		30,759	0	475
Johnson & Johnson	Equities	478160104	37,277	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	9,936,832	55,979	SH		SOLE		55,538	140	301
JP Morgan Chase	Equities	46625H100	69,368	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	7,040,490	62,521	SH		SOLE		62,228	133	160
Kentucky First Federal Bancorp	Equities	491292108	127,775	16,032	SH		SOLE		16,032	0	0
Kimberly-Clark Corp	Equities	494368103	719,674	5,325	SH		SOLE		5,325	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	3,128	11,250	SH		SOLE		11,250	0	0
Linde Plc	Equities	G5494J103	21,277	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	2,707,670	9,417	SH		SOLE		9,372	45	0
Lockheed Martin Corp	Equities	539830109	254,536	592	SH		SOLE		592	0	0
Lowe's Companies Inc	Equities	548661107	1,467,228	8,400	SH		SOLE		8,200	0	200
Mastercard Inc Class A	Equities	57636Q104	3,423,589	10,852	SH		SOLE		10,440	0	412
McDonald's Corp	Equities	580135101	18,516	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	6,579,352	26,650	SH		SOLE		26,395	105	150
Medtronic Plc Corp	Equities	G5960L103	2,611,994	29,103	SH		SOLE		28,778	120	205
Merck & Co Inc	Equities	58933Y105	7,749	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,363,265	14,953	SH		SOLE		14,778	0	175
Meta Platforms Inc	Equities	30303M102	228,008	1,414	SH		SOLE		1,414	0	0
Microsoft Corp	Equities	594918104	147,677	575	SH		DFND		575	0	0
Microsoft Corp	Equities	594918104	13,301,996	51,793	SH		SOLE		51,341	185	267
Mondelez International Inc A	Equities	609207105	13,474	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	2,094,172	33,728	SH		SOLE		33,488	240	0
Morgan Stanley Corp	Equities	617446448	303,860	3,995	SH		SOLE		3,995	0	0
Nextera Energy Inc	Equities	65339F101	6,584	85	SH		DFND		85	0	0
Nextera Energy Inc	Equities	65339F101	3,816,222	49,267	SH		SOLE		48,892	125	250
Nike Inc Class B	Equities	654106103	4,088	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	826,696	8,089	SH		SOLE		8,089	0	0
Norfolk Southern Corp	Equities	655844108	18,410	81	SH		DFND		81	0	0
Norfolk Southern Corp	Equities	655844108	5,297,448	23,307	SH		SOLE		23,257	50	0
Novartis Ag ADR	Equities	66987V109	629,749	7,450	SH		SOLE		7,200	0	250
NVIDIA Corp	Equities	67066G104	324,403	2,140	SH		SOLE		2,140	0	0
Opko Health Inc	Equities	68375N103	127,259	50,300	SH		SOLE		50,300	0	0
Oracle Corporation	Equities	68389X105	389,944	5,581	SH		SOLE		5,581	0	0
Otis Worldwide Corp	Equities	68902V107	3,180	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	246,285	3,485	SH		SOLE		3,485	0	0
Pepsico Inc	Equities	713448108	3,267,036	19,603	SH		SOLE		19,272	0	331
Pfizer Inc	Equities	717081103	34,918	666	SH		DFND		666	0	0
Pfizer Inc	Equities	717081103	6,773,379	129,189	SH		SOLE		128,072	270	847
PNC Financial Services Group	Equities	693475105	741,992	4,703	SH		SOLE		4,703	0	0
PPG Industries Inc	Equities	693506107	505,955	4,425	SH		SOLE		4,425	0	0
Procter & Gamble Co	Equities	742718109	266,874	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	8,849,556	61,545	SH		SOLE		61,072	100	373
Raytheon Technologies Corp	Equities	75513E101	17,011	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	848,940	8,833	SH		SOLE		8,833	0	0
Realty Income Corp REIT	Equities	756109104	34,130	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,381,924	20,245	SH		SOLE		19,870	0	375
Shoshone Silver Mining Company	Equities	825356108	1	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	6,418	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,654,535	23,202	SH		SOLE		22,927	0	275
SPDR Dow Jones Industrial Avera	Equities	78467X109	225,016	731	SH		SOLE		731	0	0
SPDR S&P 500 ETF	Equities	78462F103	90,540	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	902,005	2,391	SH		SOLE		2,391	0	0
Starbucks Corp	Equities	855244109	41,403	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	3,570,469	46,740	SH		SOLE		46,480	200	60
Sysco Corp	Equities	871829107	20,585	243	SH		DFND		243	0	0
Sysco Corp	Equities	871829107	204,744	2,417	SH		SOLE		2,417	0	0
T Rowe Price Group Inc.	Equities	74144T108	838,215	7,378	SH		SOLE		7,103	0	275
Target Co	Equities	87612E106	12,711	90	SH		DFND		90	0	0
Target Co	Equities	87612E106	2,910,750	20,610	SH		SOLE		20,435	100	75
TJX Companies Inc	Equities	872540109	235,240	4,212	SH		SOLE		4,212	0	0
Truist Financial Corp	Equities	89832Q109	2,134	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	1,716,017	36,180	SH		SOLE		36,180	0	0
U.S. Bancorp	Equities	902973304	334,427	7,267	SH		SOLE		6,917	0	350
Unilever Plc ADR	Equities	904767704	19,019	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	365,907	7,984	SH		SOLE		7,619	0	365
Union Pacific Corp	Equities	907818108	1,159,603	5,437	SH		SOLE		5,437	0	0
United Parcel Service Inc Class	Equities	911312106	58,413	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	4,429,698	24,267	SH		SOLE		23,867	50	350
UnitedHealth Group Inc	Equities	91324P102	689,291	1,342	SH		SOLE		1,342	0	0
Vanguard Developed Markets Inde	Equities	921943858	376,054	9,217	SH		SOLE		9,217	0	0
Vanguard Dividend Appreciation	Equities	921908844	658,958	4,593	SH		SOLE		4,593	0	0
Vanguard Growth Index ETF	Equities	922908736	420,816	1,888	SH		SOLE		1,888	0	0
Vanguard Idx Total Stock Market	Equities	922908769	450,047	2,386	SH		SOLE		2,386	0	0
Vanguard Information Technology	Equities	92204A702	35,921	110	SH		DFND		110	0	0
Vanguard Information Technology	Equities	92204A702	2,631,340	8,058	SH		SOLE		7,793	0	265
Vanguard Large Cap Index ETF	Equities	922908637	464,139	2,693	SH		SOLE		2,693	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	659,062	3,346	SH		SOLE		3,346	0	0
Vanguard REIT Index ETF	Equities	922908553	724,142	7,948	SH		SOLE		7,948	0	0
Vanguard Small-Cap Index ETF	Equities	922908751	500,505	2,842	SH		SOLE		2,842	0	0
Vanguard Value Index ETF	Equities	922908744	286,707	2,174	SH		SOLE		2,174	0	0
Verizon Communications Inc	Equities	92343V104	54,049	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	608,645	11,993	SH		SOLE		11,993	0	0
Visa Inc Class A	Equities	92826C839	27,565	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,522,957	22,972	SH		SOLE		22,422	0	550
Walgreens Boots Alliance Inc	Equities	931427108	56,850	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	679,585	17,931	SH		SOLE		17,931	0	0
Walmart Stores Inc	Equities	931142103	14,590	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	865,163	7,116	SH		SOLE		7,116	0	0
Walt Disney Co	Equities	254687106	14,632	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	4,426,133	46,887	SH		SOLE		46,397	230	260
Wisdomtree Global Ex-US Quality	Equities	97717W802	1,057,635	30,594	SH		SOLE		30,594	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	1,200,974	30,810	SH		SOLE		30,810	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	981,971	34,797	SH		SOLE		34,797	0	0