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
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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	836,854	5,621	SH		SOLE		5,621	0	0
Abbott Laboratories	Equities	002824100	142,032	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	623,994	5,272	SH		SOLE		5,272	0	0
Abbvie Inc	Equities	00287Y109	194,532	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	1,084,516	6,690	SH		SOLE		6,690	0	0
Accenture Plc Class A	Equities	G1151C101	6,745	20	SH		DFND		20	0	0
Accenture Plc Class A	Equities	G1151C101	5,926,817	17,575	SH		SOLE		17,405	90	80
Allstate Corp	Equities	020002101	6,787	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	4,512,517	32,579	SH		SOLE		32,529	50	0
Alphabet Inc Class A	Equities	02079K305	650,836	234	SH		SOLE		234	0	0
Alphabet Inc Class C	Equities	02079K107	737,349	264	SH		SOLE		264	0	0
Amazon.com Inc	Equities	023135106	955,165	293	SH		SOLE		293	0	0
American Express	Equities	025816109	226,644	1,212	SH		SOLE		1,212	0	0
Amgen Inc	Equities	031162100	22,006	91	SH		DFND		91	0	0
Amgen Inc	Equities	031162100	668,874	2,766	SH		SOLE		2,766	0	0
Apple Inc.	Equities	037833100	119,782	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	16,858,596	96,550	SH		SOLE		96,095	370	85
AT&T Inc	Equities	00206R102	62,312	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	2,391,380	101,201	SH		SOLE		100,550	540	111
Automatic Data Processing	Equities	053015103	255,300	1,122	SH		SOLE		1,122	0	0
Bank of New York Mellon Corp	Equities	064058100	4,963	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	632,385	12,742	SH		SOLE		12,742	0	0
Baxter International Inc	Equities	071813109	373,743	4,820	SH		SOLE		4,820	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	17,998	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	1,091,904	3,094	SH		SOLE		3,094	0	0
Blackrock Inc	Equities	09247X101	7,642	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	3,993,552	5,226	SH		SOLE		5,206	0	20
Bristol-Myers Squibb Co	Equities	110122108	124,151	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	732,783	10,034	SH		SOLE		10,034	0	0
Carrier Global Corp	Equities	14448C104	4,128	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	339,621	7,404	SH		SOLE		7,404	0	0
Caterpillar Inc	Equities	149123101	3,342	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	849,835	3,814	SH		SOLE		3,814	0	0
Cencora Inc	Equities	03073E105	216,594	1,400	SH		SOLE		1,400	0	0
Chevron Corp	Equities	166764100	36,474	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	6,939,815	42,620	SH		SOLE		41,304	110	1,206
Chubb LTD Corp	Equities	H1467J104	9,626	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	389,726	1,822	SH		SOLE		1,822	0	0
Cisco Systems Inc	Equities	17275R102	27,545	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	3,340,359	59,906	SH		SOLE		59,666	200	40
Clorox Company	Equities	189054109	819,999	5,898	SH		SOLE		5,758	0	140
Coca-Cola Company	Equities	191216100	136,400	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	5,368,208	86,584	SH		SOLE		86,124	300	160
Colgate-Palmolive Co	Equities	194162103	566,223	7,467	SH		SOLE		7,467	0	0
Comcast Corp Class A	Equities	20030N101	10,581	226	SH		DFND		226	0	0
Comcast Corp Class A	Equities	20030N101	4,446,917	94,979	SH		SOLE		94,529	450	0
Costco Wholesale Corp	Equities	22160K105	264,891	460	SH		SOLE		460	0	0
CSX Corp	Equities	126408103	362,067	9,668	SH		SOLE		9,668	0	0
CVS Health Corp	Equities	126650100	26,112	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	5,868,257	57,981	SH		SOLE		57,535	400	46
Darden Restaurants Inc	Equities	237194105	400,711	3,014	SH		SOLE		3,014	0	0
Deere & Co	Equities	244199105	695,480	1,674	SH		SOLE		1,674	0	0
Dominion Energy Inc	Equities	25746U109	271,139	3,191	SH		SOLE		3,191	0	0
Duke Energy Corp	Equities	26441C204	3,685	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	3,337,517	29,890	SH		SOLE		29,485	97	308
Ecolab Inc	Equities	278865100	12,183	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	2,152,443	12,191	SH		SOLE		12,141	50	0
Eli Lilly & Co.	Equities	532457108	1,046,396	3,654	SH		SOLE		3,654	0	0
Emerson Electric Co	Equities	291011104	640,267	6,530	SH		SOLE		6,530	0	0
Enbridge Inc	Equities	29250N105	382,409	8,297	SH		SOLE		8,297	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	351,293	1,290	SH		SOLE		1,290	0	0
Exxon Mobil Corp	Equities	30231G102	3,260,653	39,480	SH		SOLE		38,080	0	1,400
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	4,074	87	SH		DFND		87	0	0
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	9,111,057	194,556	SH		SOLE		193,580	726	250
Flexshares Yr. TIPS ETF	Equities	33939L605	3,063	113	SH		DFND		113	0	0
Flexshares Yr. TIPS ETF	Equities	33939L605	8,103,640	298,917	SH		SOLE		297,760	1,124	33
General Dynamics Corp	Equities	369550108	13,024	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	2,064,501	8,560	SH		SOLE		8,420	40	100
General Mills Inc	Equities	370334104	454,740	6,715	SH		SOLE		6,715	0	0
Genuine Parts Co	Equities	372460105	255,317	2,026	SH		SOLE		2,026	0	0
Hershey Co Foods	Equities	427866108	238,293	1,100	SH		SOLE		1,100	0	0
Home Depot Inc	Equities	437076102	84,710	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	6,309,577	21,079	SH		SOLE		20,809	75	195
Honeywell International Inc	Equities	438516106	50,202	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	4,871,894	25,038	SH		SOLE		24,858	95	85
Intel Corporation	Equities	458140100	34,692	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	3,668,580	74,023	SH		SOLE		73,623	350	50
International Business Machines	Equities	459200101	8,581	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,583,887	19,873	SH		SOLE		19,773	100	0
Invesco Bulletshares 2022 Munic	Equities	46138J551	250,677	9,918	SH		SOLE		9,918	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	732,740	29,386	SH		SOLE		29,386	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	4,785	193	SH		DFND		193	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	285,514	11,515	SH		SOLE		11,515	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	4,693	193	SH		DFND		193	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	1,002,160	41,212	SH		SOLE		41,212	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	221,483	9,150	SH		SOLE		9,150	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	647,880	26,735	SH		SOLE		26,735	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	480,351	19,973	SH		SOLE		19,973	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	4,544	196	SH		DFND		196	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	703,663	30,354	SH		SOLE		30,354	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	364,990	4,379	SH		SOLE		4,379	0	0
iShares Core S&P 500 ETF	Equities	464287200	770,819	1,699	SH		SOLE		1,699	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	415,927	1,550	SH		SOLE		1,550	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,636,414	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2022 Corporate E	Equities	46434VBA7	218,549	8,728	SH		SOLE		8,728	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	378,290	14,964	SH		SOLE		14,964	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	963,137	38,372	SH		SOLE		38,372	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	642,613	25,450	SH		SOLE		25,450	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	795,308	32,264	SH		SOLE		32,264	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	842,349	33,775	SH		SOLE		33,775	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	779,190	29,582	SH		SOLE		29,582	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	493,460	20,133	SH		SOLE		20,133	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	685,600	29,590	SH		SOLE		29,590	0	0
iShares iBonds 2031 Corporate E	Equities	46436E486	271,338	11,931	SH		SOLE		11,931	0	0
iShares MBS ETF	Equities	464288588	1,614,232	15,846	SH		SOLE		15,846	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	450,038	1,621	SH		SOLE		1,621	0	0
iShares Russell 1000 Value ETF	Equities	464287598	262,746	1,583	SH		SOLE		1,583	0	0
iShares Russell 2000 ETF	Equities	464287655	1,300,796	6,337	SH		SOLE		6,337	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,419,470	18,189	SH		SOLE		18,189	0	0
iShares S&P 500 Growth ETF	Equities	464287309	212,642	2,784	SH		SOLE		2,784	0	0
iShares Select Dividend ETF	Equities	464287168	1,067,707	8,333	SH		SOLE		8,333	0	0
iShares Short Treasury Bond	Equities	464288679	302,747	2,746	SH		SOLE		2,746	0	0
iShares US Preferred Stock ETF	Equities	464288687	1,164,566	31,976	SH		SOLE		31,001	500	475
Johnson & Johnson	Equities	478160104	37,218	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	9,978,758	56,304	SH		SOLE		55,857	140	307
JP Morgan Chase	Equities	46625H100	83,973	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	8,262,628	60,612	SH		SOLE		60,319	133	160
Kentucky First Federal Bancorp	Equities	491292108	118,047	16,032	SH		SOLE		16,032	0	0
Kimberly-Clark Corp	Equities	494368103	655,827	5,325	SH		SOLE		5,325	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	4,476	11,250	SH		SOLE		11,250	0	0
Linde Plc	Equities	G5494J103	23,638	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	3,140,316	9,831	SH		SOLE		9,781	50	0
Lockheed Martin Corp	Equities	539830109	233,059	528	SH		SOLE		528	0	0
Lowe's Companies Inc	Equities	548661107	1,625,608	8,040	SH		SOLE		7,840	0	200
Mastercard Inc Class A	Equities	57636Q104	3,885,435	10,872	SH		SOLE		10,460	0	412
McDonald's Corp	Equities	580135101	18,546	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	6,539,320	26,445	SH		SOLE		26,180	105	160
Medtronic Plc Corp	Equities	G5960L103	2,488,276	22,427	SH		SOLE		22,142	80	205
Merck & Co Inc	Equities	58933Y105	6,974	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,247,488	15,204	SH		SOLE		15,029	0	175
Meta Platforms Inc	Equities	30303M102	287,289	1,292	SH		SOLE		1,292	0	0
Microsoft Corp	Equities	594918104	177,278	575	SH		DFND		575	0	0
Microsoft Corp	Equities	594918104	15,572,738	50,510	SH		SOLE		50,058	185	267
Mondelez International Inc A	Equities	609207105	13,623	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	2,094,215	33,358	SH		SOLE		33,083	275	0
Morgan Stanley Corp	Equities	617446448	350,212	4,007	SH		SOLE		4,007	0	0
Nextera Energy Inc	Equities	65339F101	7,200	85	SH		DFND		85	0	0
Nextera Energy Inc	Equities	65339F101	4,097,507	48,371	SH		SOLE		47,996	125	250
Nike Inc Class B	Equities	654106103	5,382	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	1,058,314	7,865	SH		SOLE		7,865	0	0
Norfolk Southern Corp	Equities	655844108	17,113	60	SH		DFND		60	0	0
Norfolk Southern Corp	Equities	655844108	6,628,798	23,241	SH		SOLE		23,191	50	0
Novartis Ag ADR	Equities	66987V109	653,474	7,447	SH		SOLE		7,197	0	250
NVIDIA Corp	Equities	67066G104	583,920	2,140	SH		SOLE		2,140	0	0
Opko Health Inc	Equities	68375N103	173,032	50,300	SH		SOLE		50,300	0	0
Oracle Corporation	Equities	68389X105	460,310	5,564	SH		SOLE		5,564	0	0
Otis Worldwide Corp	Equities	68902V107	3,463	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	268,171	3,485	SH		SOLE		3,485	0	0
Pepsico Inc	Equities	713448108	3,334,210	19,920	SH		SOLE		19,584	0	336
Pfizer Inc	Equities	717081103	34,479	666	SH		DFND		666	0	0
Pfizer Inc	Equities	717081103	7,141,672	137,950	SH		SOLE		136,728	360	862
PNC Financial Services Group	Equities	693475105	826,336	4,480	SH		SOLE		4,480	0	0
PPG Industries Inc	Equities	693506107	579,985	4,425	SH		SOLE		4,425	0	0
Procter & Gamble Co	Equities	742718109	283,597	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	9,474,975	62,009	SH		SOLE		61,536	100	373
Raytheon Technologies Corp	Equities	75513E101	17,535	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	880,039	8,883	SH		SOLE		8,883	0	0
Realty Income Corp REIT	Equities	756109104	34,650	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,404,018	20,260	SH		SOLE		19,885	0	375
Shoshone Silver Mining Company	Equities	825356108	1	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	6,526	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,699,852	23,443	SH		SOLE		23,168	0	275
SPDR Dow Jones Industrial Avera	Equities	78467X109	253,533	731	SH		SOLE		731	0	0
SPDR S&P 500 ETF	Equities	78462F103	116,071	257	SH		DFND		257	0	0
SPDR S&P 500 ETF	Equities	78462F103	962,445	2,131	SH		SOLE		2,131	0	0
Starbucks Corp	Equities	855244109	49,306	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	4,102,565	45,098	SH		SOLE		44,838	200	60
Sysco Corp	Equities	871829107	19,841	243	SH		DFND		243	0	0
Sysco Corp	Equities	871829107	197,348	2,417	SH		SOLE		2,417	0	0
T Rowe Price Group Inc.	Equities	74144T108	1,150,254	7,608	SH		SOLE		7,333	0	275
Target Co	Equities	87612E106	12,309	58	SH		DFND		58	0	0
Target Co	Equities	87612E106	3,833,967	18,066	SH		SOLE		17,926	65	75
TJX Companies Inc	Equities	872540109	279,092	4,607	SH		SOLE		4,607	0	0
Truist Financial Corp	Equities	89832Q109	2,552	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	2,138,611	37,718	SH		SOLE		37,718	0	0
U.S. Bancorp	Equities	902973304	378,269	7,117	SH		SOLE		6,767	0	350
Unilever Plc ADR	Equities	904767704	18,912	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	346,286	7,599	SH		SOLE		7,234	0	365
Union Pacific Corp	Equities	907818108	1,503,201	5,502	SH		SOLE		5,502	0	0
United Parcel Service Inc Class	Equities	911312106	68,627	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	4,812,268	22,439	SH		SOLE		22,064	25	350
UnitedHealth Group Inc	Equities	91324P102	701,719	1,376	SH		SOLE		1,376	0	0
Vanguard Developed Markets Inde	Equities	921943858	461,760	9,614	SH		SOLE		9,614	0	0
Vanguard Dividend Appreciation	Equities	921908844	673,775	4,155	SH		SOLE		4,155	0	0
Vanguard Growth Index ETF	Equities	922908736	458,434	1,594	SH		SOLE		1,594	0	0
Vanguard Idx Total Stock Market	Equities	922908769	532,520	2,339	SH		SOLE		2,339	0	0
Vanguard Information Technology	Equities	92204A702	45,813	110	SH		DFND		110	0	0
Vanguard Information Technology	Equities	92204A702	3,320,595	7,973	SH		SOLE		7,708	0	265
Vanguard Large Cap Index ETF	Equities	922908637	561,464	2,693	SH		SOLE		2,693	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	757,520	3,185	SH		SOLE		3,185	0	0
Vanguard REIT Index ETF	Equities	922908553	871,620	8,043	SH		SOLE		8,043	0	0
Vanguard S&P 500 ETF	Equities	922908363	207,170	499	SH		SOLE		499	0	0
Vanguard Small-Cap Index ETF	Equities	922908751	582,730	2,742	SH		SOLE		2,742	0	0
Vanguard Value Index ETF	Equities	922908744	321,274	2,174	SH		SOLE		2,174	0	0
Verizon Communications Inc	Equities	92343V104	54,251	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	750,346	14,730	SH		SOLE		14,730	0	0
Visa Inc Class A	Equities	92826C839	31,048	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,906,218	22,123	SH		SOLE		21,573	0	550
Walgreens Boots Alliance Inc	Equities	931427108	67,155	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	808,009	18,048	SH		SOLE		18,048	0	0
Walmart Stores Inc	Equities	931142103	17,870	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	1,064,927	7,151	SH		SOLE		7,151	0	0
Walt Disney Co	Equities	254687106	21,260	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	6,161,364	44,921	SH		SOLE		44,431	230	260
Wisdomtree Global Ex-US Quality	Equities	97717W802	1,151,580	28,956	SH		SOLE		28,956	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	1,266,947	28,522	SH		SOLE		28,522	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	1,027,839	32,251	SH		SOLE		32,251	0	0