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	1,119,069	6,300	SH		SOLE		6,300	0	0
Abbott Laboratories	Equities	002824100	168,888	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	761,403	5,410	SH		SOLE		5,410	0	0
Abbvie Inc	Equities	00287Y109	162,480	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	908,263	6,708	SH		SOLE		6,708	0	0
Accenture Plc Class A	Equities	G1151C101	8,291	20	SH		DFND		20	0	0
Accenture Plc Class A	Equities	G1151C101	7,052,325	17,012	SH		SOLE		16,842	90	80
Allstate Corp	Equities	020002101	5,765	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,821,154	32,479	SH		SOLE		32,379	100	0
Alphabet Inc Class A	Equities	02079K305	683,701	236	SH		SOLE		236	0	0
Alphabet Inc Class C	Equities	02079K107	772,589	267	SH		SOLE		267	0	0
Amazon.com Inc	Equities	023135106	960,290	288	SH		SOLE		288	0	0
Amgen Inc	Equities	031162100	20,472	91	SH		DFND		91	0	0
Amgen Inc	Equities	031162100	750,725	3,337	SH		SOLE		3,337	0	0
Apple Inc.	Equities	037833100	121,813	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	17,251,991	97,156	SH		SOLE		96,656	430	70
AT&T Inc	Equities	00206R102	64,870	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	2,216,362	90,096	SH		SOLE		89,395	540	161
Automatic Data Processing	Equities	053015103	295,156	1,197	SH		SOLE		1,197	0	0
Bank of New York Mellon Corp	Equities	064058100	5,808	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	760,325	13,091	SH		SOLE		13,091	0	0
Baxter International Inc	Equities	071813109	495,211	5,769	SH		SOLE		5,769	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	15,249	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	948,727	3,173	SH		SOLE		3,173	0	0
Blackrock Inc	Equities	09247X101	9,156	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	4,749,010	5,187	SH		SOLE		5,167	0	20
Bristol-Myers Squibb Co	Equities	110122108	105,995	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	692,896	11,113	SH		SOLE		11,113	0	0
Carrier Global Corp	Equities	14448C104	4,882	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	401,593	7,404	SH		SOLE		7,404	0	0
Caterpillar Inc	Equities	149123101	3,101	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	851,976	4,121	SH		SOLE		4,121	0	0
Chevron Corp	Equities	166764100	26,286	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	4,990,074	42,523	SH		SOLE		41,207	110	1,206
Chubb LTD Corp	Equities	H1467J104	8,699	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	355,690	1,840	SH		SOLE		1,840	0	0
Cisco Systems Inc	Equities	17275R102	31,305	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	3,743,583	59,075	SH		SOLE		58,835	200	40
Clorox Company	Equities	189054109	1,089,576	6,249	SH		SOLE		6,109	0	140
Coca-Cola Company	Equities	191216100	130,262	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	5,022,311	84,822	SH		SOLE		84,392	300	130
Colgate-Palmolive Co	Equities	194162103	697,655	8,175	SH		SOLE		8,175	0	0
Comcast Corp Class A	Equities	20030N101	11,375	226	SH		DFND		226	0	0
Comcast Corp Class A	Equities	20030N101	4,779,991	94,973	SH		SOLE		94,423	550	0
Costco Wholesale Corp	Equities	22160K105	261,142	460	SH		SOLE		460	0	0
CSX Corp	Equities	126408103	371,526	9,881	SH		SOLE		9,881	0	0
CVS Health Corp	Equities	126650100	26,615	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	5,784,388	56,072	SH		SOLE		55,576	470	26
Darden Restaurants Inc	Equities	237194105	444,539	2,951	SH		SOLE		2,951	0	0
Deere & Co	Equities	244199105	582,570	1,699	SH		SOLE		1,699	0	0
Dominion Energy Inc	Equities	25746U109	260,976	3,322	SH		SOLE		3,322	0	0
Duke Energy Corp	Equities	26441C204	3,462	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	3,237,739	30,865	SH		SOLE		30,460	97	308
Dupont De Nemours Inc	Equities	26614N102	215,279	2,665	SH		SOLE		2,665	0	0
Ecolab Inc	Equities	278865100	16,187	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	2,716,318	11,579	SH		SOLE		11,529	50	0
Eli Lilly & Co.	Equities	532457108	1,082,506	3,919	SH		SOLE		3,919	0	0
Emerson Electric Co	Equities	291011104	667,525	7,180	SH		SOLE		7,180	0	0
Enbridge Inc	Equities	29250N105	330,617	8,460	SH		SOLE		8,460	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	425,730	1,150	SH		SOLE		1,150	0	0
Exxon Mobil Corp	Equities	30231G102	2,411,620	39,412	SH		SOLE		38,012	0	1,400
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	3,870	98	SH		DFND		98	0	0
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	7,493,149	189,748	SH		SOLE		188,788	726	234
Flexshares Yr. TIPS ETF	Equities	33939L605	3,169	113	SH		DFND		113	0	0
Flexshares Yr. TIPS ETF	Equities	33939L605	8,536,778	304,450	SH		SOLE		302,166	1,417	867
General Dynamics Corp	Equities	369550108	11,257	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	1,788,881	8,581	SH		SOLE		8,441	40	100
General Mills Inc	Equities	370334104	460,542	6,835	SH		SOLE		6,835	0	0
Genuine Parts Co	Equities	372460105	284,045	2,026	SH		SOLE		2,026	0	0
Home Depot Inc	Equities	437076102	117,448	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	8,679,934	20,915	SH		SOLE		20,645	75	195
Honeywell International Inc	Equities	438516106	53,796	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	5,182,725	24,856	SH		SOLE		24,676	95	85
Intel Corporation	Equities	458140100	36,050	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	3,747,604	72,769	SH		SOLE		72,369	350	50
International Business Machines	Equities	459200101	8,822	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,498,774	18,695	SH		SOLE		18,595	100	0
Invesco Bulletshares 2022 Munic	Equities	46138J551	289,065	11,385	SH		SOLE		11,385	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	645,177	25,070	SH		SOLE		25,070	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	5,006	193	SH		DFND		193	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	291,047	11,220	SH		SOLE		11,220	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	4,990	193	SH		DFND		193	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	947,482	36,646	SH		SOLE		36,646	0	0
Invesco Bulletshares 2027 Munic	Equities	46138J494	212,958	8,251	SH		SOLE		8,251	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	592,130	22,609	SH		SOLE		22,609	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	459,063	17,555	SH		SOLE		17,555	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	5,031	196	SH		DFND		196	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	660,386	25,726	SH		SOLE		25,726	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	386,897	4,523	SH		SOLE		4,523	0	0
iShares Core S&P 500 ETF	Equities	464287200	858,105	1,799	SH		SOLE		1,799	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	416,411	1,471	SH		SOLE		1,471	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,705,664	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2022 Corporate E	Equities	46434VBA7	226,335	9,003	SH		SOLE		9,003	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	353,989	13,790	SH		SOLE		13,790	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	884,395	34,107	SH		SOLE		34,107	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	626,577	23,716	SH		SOLE		23,716	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	726,102	27,852	SH		SOLE		27,852	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	834,117	31,405	SH		SOLE		31,405	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	729,157	25,770	SH		SOLE		25,770	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	498,485	18,936	SH		SOLE		18,936	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	652,139	25,992	SH		SOLE		25,992	0	0
iShares iBonds 2031 Corporate E	Equities	46436E486	244,408	9,832	SH		SOLE		9,832	0	0
iShares MBS ETF	Equities	464288588	1,702,336	15,846	SH		SOLE		15,846	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	505,140	1,653	SH		SOLE		1,653	0	0
iShares Russell 1000 Value ETF	Equities	464287598	267,009	1,590	SH		SOLE		1,590	0	0
iShares Russell 2000 ETF	Equities	464287655	1,462,609	6,575	SH		SOLE		6,575	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,561,169	18,807	SH		SOLE		18,807	0	0
iShares S&P 500 Growth ETF	Equities	464287309	272,262	3,254	SH		SOLE		3,254	0	0
iShares S&P Mid-Cap 400 Growth	Equities	464287606	217,242	2,548	SH		SOLE		2,548	0	0
iShares Select Dividend ETF	Equities	464287168	1,134,570	9,255	SH		SOLE		9,255	0	0
iShares Short Treasury Bond	Equities	464288679	309,618	2,804	SH		SOLE		2,804	0	0
iShares US Preferred Stock ETF	Equities	464288687	1,376,659	34,914	SH		SOLE		33,939	500	475
Johnson & Johnson	Equities	478160104	35,925	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	9,692,826	56,660	SH		SOLE		56,213	140	307
JP Morgan Chase	Equities	46625H100	97,544	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	9,504,642	60,023	SH		SOLE		59,630	233	160
Kentucky First Federal Bancorp	Equities	491292108	120,647	16,032	SH		SOLE		16,032	0	0
Kimberly-Clark Corp	Equities	494368103	763,193	5,340	SH		SOLE		5,340	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	5,738	11,250	SH		SOLE		11,250	0	0
Linde Plc	Equities	G5494J103	25,636	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	3,389,818	9,785	SH		SOLE		9,735	50	0
Lowe's Companies Inc	Equities	548661107	2,102,735	8,135	SH		SOLE		7,935	0	200
Mastercard Inc Class A	Equities	57636Q104	3,942,100	10,971	SH		SOLE		10,559	0	412
McDonald's Corp	Equities	580135101	20,105	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	7,123,960	26,575	SH		SOLE		26,307	105	163
Medtronic Plc Corp	Equities	G5960L103	2,019,034	19,517	SH		SOLE		19,232	80	205
Merck & Co Inc	Equities	58933Y105	6,514	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,265,326	16,510	SH		SOLE		16,335	0	175
Meta Platforms Inc	Equities	30303M102	359,558	1,069	SH		SOLE		1,069	0	0
Microsoft Corp	Equities	594918104	193,384	575	SH		DFND		575	0	0
Microsoft Corp	Equities	594918104	16,915,214	50,295	SH		SOLE		49,868	185	242
Mondelez International Inc A	Equities	609207105	14,389	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	2,245,124	33,858	SH		SOLE		33,583	275	0
Morgan Stanley Corp	Equities	617446448	398,530	4,060	SH		SOLE		4,060	0	0
Nextera Energy Inc	Equities	65339F101	7,936	85	SH		DFND		85	0	0
Nextera Energy Inc	Equities	65339F101	4,454,019	47,708	SH		SOLE		47,333	125	250
Nike Inc Class B	Equities	654106103	6,667	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	1,273,692	7,642	SH		SOLE		7,642	0	0
Norfolk Southern Corp	Equities	655844108	17,863	60	SH		DFND		60	0	0
Norfolk Southern Corp	Equities	655844108	6,923,544	23,256	SH		SOLE		23,206	50	0
Novartis Ag ADR	Equities	66987V109	677,630	7,747	SH		SOLE		7,497	0	250
NVIDIA Corp	Equities	67066G104	658,806	2,240	SH		SOLE		2,240	0	0
Opko Health Inc	Equities	68375N103	241,943	50,300	SH		SOLE		50,300	0	0
Oracle Corporation	Equities	68389X105	485,236	5,564	SH		SOLE		5,564	0	0
Otis Worldwide Corp	Equities	68902V107	3,918	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	303,439	3,485	SH		SOLE		3,485	0	0
Pepsico Inc	Equities	713448108	3,589,717	20,665	SH		SOLE		20,329	0	336
Pfizer Inc	Equities	717081103	39,327	666	SH		DFND		666	0	0
Pfizer Inc	Equities	717081103	8,176,713	138,471	SH		SOLE		137,244	360	867
PNC Financial Services Group	Equities	693475105	926,603	4,621	SH		SOLE		4,621	0	0
PPG Industries Inc	Equities	693506107	782,878	4,540	SH		SOLE		4,540	0	0
Procter & Gamble Co	Equities	742718109	303,604	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	10,529,808	64,371	SH		SOLE		63,893	100	378
Raytheon Technologies Corp	Equities	75513E101	15,233	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	764,471	8,883	SH		SOLE		8,883	0	0
Realty Income Corp REIT	Equities	756109104	35,795	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,450,413	20,260	SH		SOLE		19,885	0	375
Salesforce.Com Inc	Equities	79466L302	203,558	801	SH		SOLE		801	0	0
Shoshone Silver Mining Company	Equities	825356108	1	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	6,172	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,805,574	26,328	SH		SOLE		26,053	0	275
SPDR Dow Jones Industrial Avera	Equities	78467X109	283,753	781	SH		SOLE		781	0	0
SPDR S&P 500 ETF	Equities	78462F103	113,990	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	1,019,739	2,147	SH		SOLE		2,147	0	0
Starbucks Corp	Equities	855244109	63,398	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	5,144,808	43,984	SH		SOLE		43,724	200	60
Sysco Corp	Equities	871829107	19,088	243	SH		DFND		243	0	0
Sysco Corp	Equities	871829107	189,855	2,417	SH		SOLE		2,417	0	0
T Rowe Price Group Inc.	Equities	74144T108	1,744,000	8,869	SH		SOLE		8,569	0	300
Target Co	Equities	87612E106	13,424	58	SH		DFND		58	0	0
Target Co	Equities	87612E106	3,628,285	15,677	SH		SOLE		15,537	65	75
TJX Companies Inc	Equities	872540109	514,965	6,783	SH		SOLE		6,783	0	0
Truist Financial Corp	Equities	89832Q109	2,635	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	2,263,367	38,657	SH		SOLE		38,657	0	0
U.S. Bancorp	Equities	902973304	415,209	7,392	SH		SOLE		6,942	0	450
Unilever Plc ADR	Equities	904767704	22,323	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	520,418	9,675	SH		SOLE		9,310	0	365
Union Pacific Corp	Equities	907818108	1,446,330	5,741	SH		SOLE		5,741	0	0
United Parcel Service Inc Class	Equities	911312106	68,589	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	4,875,806	22,748	SH		SOLE		22,373	25	350
UnitedHealth Group Inc	Equities	91324P102	640,731	1,276	SH		SOLE		1,276	0	0
Vanguard Developed Markets Inde	Equities	921943858	499,367	9,780	SH		SOLE		9,780	0	0
Vanguard Dividend Appreciation	Equities	921908844	745,910	4,343	SH		SOLE		4,343	0	0
Vanguard Extended Markets ETF	Equities	922908652	213,398	1,167	SH		SOLE		1,167	0	0
Vanguard Growth Index ETF	Equities	922908736	495,791	1,545	SH		SOLE		1,545	0	0
Vanguard Idx Total Stock Market	Equities	922908769	570,040	2,361	SH		SOLE		2,361	0	0
Vanguard Information Technology	Equities	92204A702	50,399	110	SH		DFND		110	0	0
Vanguard Information Technology	Equities	92204A702	3,643,826	7,953	SH		SOLE		7,728	0	225
Vanguard Large Cap Index ETF	Equities	922908637	648,252	2,933	SH		SOLE		2,933	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	811,952	3,187	SH		SOLE		3,187	0	0
Vanguard REIT Index ETF	Equities	922908553	1,046,178	9,018	SH		SOLE		9,018	0	0
Vanguard S&P 500 ETF	Equities	922908363	233,565	535	SH		SOLE		535	0	0
Vanguard Small-Cap Index ETF	Equities	922908751	619,267	2,740	SH		SOLE		2,740	0	0
Vanguard Value Index ETF	Equities	922908744	324,819	2,208	SH		SOLE		2,208	0	0
Verizon Communications Inc	Equities	92343V104	55,337	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	783,921	15,087	SH		SOLE		15,087	0	0
Visa Inc Class A	Equities	92826C839	30,339	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,848,670	22,374	SH		SOLE		21,824	0	550
Walgreens Boots Alliance Inc	Equities	931427108	78,240	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	943,366	18,086	SH		SOLE		18,086	0	0
Walmart Stores Inc	Equities	931142103	17,363	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	1,068,391	7,384	SH		SOLE		7,384	0	0
Walt Disney Co	Equities	254687106	24,008	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	6,835,760	44,133	SH		SOLE		43,643	230	260
Wisdomtree Global Ex-US Quality	Equities	97717W802	1,080,014	27,901	SH		SOLE		27,901	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	1,276,725	28,781	SH		SOLE		28,781	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	1,025,791	31,217	SH		SOLE		31,217	0	0