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	1,285,368	6,671	SH		SOLE		6,646	0	25
Abbott Laboratories	Equities	002824100	143,808	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	416,564	3,476	SH		SOLE		3,476	0	0
Abbvie Inc	Equities	00287Y109	129,864	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	526,815	4,868	SH		SOLE		4,868	0	0
Accenture Plc Class A	Equities	G1151C101	5,525	20	SH		DFND		20	0	0
Accenture Plc Class A	Equities	G1151C101	4,218,338	15,270	SH		SOLE		15,100	90	80
Allstate Corp	Equities	020002101	5,630	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,798,939	33,063	SH		SOLE		32,963	100	0
Alphabet Inc Class A	Equities	02079K305	534,193	259	SH		SOLE		253	0	6
Alphabet Inc Class C	Equities	02079K107	597,834	289	SH		SOLE		289	0	0
Amazon.com Inc	Equities	023135106	897,283	290	SH		SOLE		288	0	2
Amgen Inc	Equities	031162100	47,523	191	SH		DFND		191	0	0
Amgen Inc	Equities	031162100	3,640,837	14,633	SH		SOLE		14,533	85	15
Apple Inc.	Equities	037833100	83,795	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	11,411,742	93,424	SH		SOLE		92,874	480	70
AT&T Inc	Equities	00206R102	79,822	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	4,440,185	146,686	SH		SOLE		145,502	540	644
Automatic Data Processing	Equities	053015103	271,585	1,441	SH		SOLE		1,441	0	0
Bank of New York Mellon Corp	Equities	064058100	4,729	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	697,669	14,753	SH		SOLE		14,753	0	0
Baxter International Inc	Equities	071813109	540,704	6,411	SH		SOLE		6,411	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	13,029	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	839,985	3,288	SH		SOLE		3,263	0	25
Blackrock Inc	Equities	09247X101	7,540	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	3,885,156	5,153	SH		SOLE		5,133	0	20
Bristol-Myers Squibb Co	Equities	110122108	107,321	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	798,342	12,646	SH		SOLE		12,646	0	0
Carrier Global Corp	Equities	14448C104	3,800	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	312,597	7,404	SH		SOLE		7,404	0	0
Caterpillar Inc	Equities	149123101	3,478	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	449,364	1,938	SH		SOLE		1,938	0	0
Chevron Corp	Equities	166764100	23,473	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	4,443,410	42,403	SH		SOLE		41,036	130	1,237
Chubb LTD Corp	Equities	H1467J104	7,109	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	302,513	1,915	SH		SOLE		1,879	0	36
Cisco Systems Inc	Equities	17275R102	25,545	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	3,110,615	60,155	SH		SOLE		59,815	200	140
Clorox Company	Equities	189054109	1,523,366	7,898	SH		SOLE		7,752	0	146
Coca-Cola Company	Equities	191216100	115,962	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	4,429,590	84,037	SH		SOLE		83,474	300	263
Colgate-Palmolive Co	Equities	194162103	911,669	11,565	SH		SOLE		11,565	0	0
Comcast Corp Class A	Equities	20030N101	12,229	226	SH		DFND		226	0	0
Comcast Corp Class A	Equities	20030N101	5,190,610	95,927	SH		SOLE		95,261	550	116
CSX Corp	Equities	126408103	327,057	3,392	SH		SOLE		3,392	0	0
CVS Health Corp	Equities	126650100	19,409	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	3,993,961	53,090	SH		SOLE		52,505	470	115
Darden Restaurants Inc	Equities	237194105	412,226	2,903	SH		SOLE		2,903	0	0
Deere & Co	Equities	244199105	647,262	1,730	SH		SOLE		1,730	0	0
Dominion Energy Inc	Equities	25746U109	255,605	3,365	SH		SOLE		3,365	0	0
Duke Energy Corp	Equities	26441C204	3,185	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	3,144,947	32,580	SH		SOLE		32,130	142	308
Dupont De Nemours Inc	Equities	26614N102	215,920	2,794	SH		SOLE		2,794	0	0
Ecolab Inc	Equities	278865100	14,771	69	SH		DFND		69	0	0
Ecolab Inc	Equities	278865100	2,226,756	10,402	SH		SOLE		10,352	50	0
Eli Lilly & Co.	Equities	532457108	806,128	4,315	SH		SOLE		4,315	0	0
Emerson Electric Co	Equities	291011104	679,447	7,531	SH		SOLE		7,531	0	0
Enbridge Inc	Equities	29250N105	377,759	10,378	SH		SOLE		10,378	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	325,170	1,118	SH		SOLE		1,118	0	0
Exxon Mobil Corp	Equities	30231G102	2,326,436	41,670	SH		SOLE		40,237	0	1,433
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	4,581,871	126,606	SH		SOLE		125,535	726	345
Flexshares Yr. TIPS ETF	Equities	33939L605	8,281,385	299,183	SH		SOLE		297,680	1,503	0
General Dynamics Corp	Equities	369550108	9,804	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	1,558,511	8,584	SH		SOLE		8,444	40	100
General Electric Co	Equities	369604103	26,260	2,000	SH		DFND		2,000	0	0
General Electric Co	Equities	369604103	509,273	38,787	SH		SOLE		38,787	0	0
General Mills Inc	Equities	370334104	419,122	6,835	SH		SOLE		6,835	0	0
Genuine Parts Co	Equities	372460105	234,185	2,026	SH		SOLE		2,026	0	0
Home Depot Inc	Equities	437076102	86,386	283	SH		DFND		283	0	0
Home Depot Inc	Equities	437076102	6,468,858	21,192	SH		SOLE		20,887	75	230
Honeywell International Inc	Equities	438516106	56,004	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	5,067,499	23,345	SH		SOLE		23,160	95	90
Intel Corporation	Equities	458140100	44,800	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	5,216,000	81,500	SH		SOLE		80,825	500	175
International Business Machines	Equities	459200101	8,795	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,855,495	21,429	SH		SOLE		21,329	100	0
Invesco Bulletshares 2022 Munic	Equities	46138J551	463,898	18,235	SH		SOLE		18,235	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	374,777	14,569	SH		SOLE		14,569	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	4,980	193	SH		DFND		193	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	257,327	9,972	SH		SOLE		9,972	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	4,961	193	SH		DFND		193	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	654,732	25,471	SH		SOLE		25,471	0	0
Invesco Bulletshares 2028 Munic	Equities	46138J486	273,643	10,594	SH		SOLE		10,594	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	254,687	9,918	SH		SOLE		9,918	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	4,912	196	SH		DFND		196	0	0
Invesco BulletShares 2030 Munic	Equities	46138J445	232,703	9,286	SH		SOLE		9,286	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	20,010	232	SH		DFND		232	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	486,364	5,639	SH		SOLE		5,639	0	0
iShares Core S&P 500 ETF	Equities	464287200	759,041	1,908	SH		SOLE		1,816	0	92
iShares Core S&P Mid-Cap ETF	Equities	464287507	364,132	1,399	SH		SOLE		1,399	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,724,545	34,292	SH		SOLE		34,292	0	0
iShares iBonds 2022 Corporate E	Equities	46434VBA7	369,730	14,522	SH		SOLE		14,522	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	316,268	12,099	SH		SOLE		12,099	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	697,065	26,414	SH		SOLE		26,414	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	439,529	16,382	SH		SOLE		16,382	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	522,482	19,821	SH		SOLE		19,821	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	648,254	24,261	SH		SOLE		24,261	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	472,123	16,671	SH		SOLE		16,671	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	296,001	11,328	SH		SOLE		11,328	0	0
iShares iBonds 2030 Corporate E	Equities	46436E726	260,729	10,526	SH		SOLE		10,526	0	0
iShares MBS ETF	Equities	464288588	1,718,023	15,846	SH		SOLE		15,846	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	410,738	1,690	SH		SOLE		1,690	0	0
iShares Russell 1000 Value ETF	Equities	464287598	242,025	1,597	SH		SOLE		1,597	0	0
iShares Russell 2000 ETF	Equities	464287655	1,513,439	6,850	SH		SOLE		6,850	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,449,546	19,607	SH		SOLE		19,607	0	0
iShares S&P 500 Growth ETF	Equities	464287309	213,691	3,282	SH		SOLE		3,282	0	0
iShares Select Dividend ETF	Equities	464287168	1,387,114	12,157	SH		SOLE		12,157	0	0
iShares Short Treasury Bond	Equities	464288679	50,061	453	SH		DFND		453	0	0
iShares Short Treasury Bond	Equities	464288679	345,565	3,127	SH		SOLE		3,127	0	0
iShares US Preferred Stock ETF	Equities	464288687	1,534,771	39,968	SH		SOLE		38,993	500	475
Johnson & Johnson	Equities	478160104	34,514	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	10,063,151	61,230	SH		SOLE		60,722	140	368
JP Morgan Chase	Equities	46625H100	93,774	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	8,620,024	56,625	SH		SOLE		56,172	233	220
Kentucky First Federal Bancorp	Equities	491292108	151,936	22,509	SH		SOLE		22,509	0	0
Kimberly-Clark Corp	Equities	494368103	814,972	5,861	SH		SOLE		5,861	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	19,575	11,250	SH		SOLE		11,250	0	0
Linde Plc	Equities	G5494J103	20,730	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	2,748,173	9,810	SH		SOLE		9,760	50	0
Lockheed Martin Corp	Equities	539830109	424,925	1,150	SH		SOLE		1,138	0	12
Lowe's Companies Inc	Equities	548661107	1,607,401	8,452	SH		SOLE		8,252	0	200
Mastercard Inc Class A	Equities	57636Q104	3,992,033	11,212	SH		SOLE		10,745	0	467
McDonald's Corp	Equities	580135101	16,811	75	SH		DFND		75	0	0
McDonald's Corp	Equities	580135101	6,127,091	27,336	SH		SOLE		27,031	105	200
Merck & Co Inc	Equities	58933Y105	6,553	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,582,658	20,530	SH		SOLE		20,355	0	175
Meta Platforms Inc	Equities	30303M102	332,524	1,129	SH		SOLE		1,129	0	0
Microsoft Corp	Equities	594918104	147,356	625	SH		DFND		625	0	0
Microsoft Corp	Equities	594918104	11,951,181	50,690	SH		SOLE		50,156	225	309
Mondelez International Inc A	Equities	609207105	12,701	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	1,899,474	32,453	SH		SOLE		32,178	275	0
Morgan Stanley Corp	Equities	617446448	320,115	4,122	SH		SOLE		4,122	0	0
Nextera Energy Inc	Equities	65339F101	3,063,868	40,522	SH		SOLE		40,317	75	130
Nike Inc Class B	Equities	654106103	5,316	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	1,035,213	7,790	SH		SOLE		7,735	0	55
Norfolk Southern Corp	Equities	655844108	16,111	60	SH		DFND		60	0	0
Norfolk Southern Corp	Equities	655844108	6,006,524	22,369	SH		SOLE		22,319	50	0
Novartis Ag ADR	Equities	66987V109	715,980	8,376	SH		SOLE		8,126	0	250
NVIDIA Corp	Equities	67066G104	299,001	560	SH		SOLE		560	0	0
Opko Health Inc	Equities	68375N103	251,823	58,700	SH		SOLE		58,700	0	0
Oracle Corporation	Equities	68389X105	417,582	5,951	SH		SOLE		5,846	0	105
Otis Worldwide Corp	Equities	68902V107	3,080	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	242,998	3,550	SH		SOLE		3,550	0	0
Paypal Holdings	Equities	70450Y103	246,725	1,016	SH		SOLE		1,016	0	0
Pepsico Inc	Equities	713448108	2,974,552	21,029	SH		SOLE		20,693	0	336
Pfizer Inc	Equities	717081103	21,955	606	SH		DFND		606	0	0
Pfizer Inc	Equities	717081103	5,138,972	141,843	SH		SOLE		140,203	560	1,080
PNC Financial Services Group	Equities	693475105	916,868	5,227	SH		SOLE		5,227	0	0
PPG Industries Inc	Equities	693506107	727,709	4,843	SH		SOLE		4,843	0	0
Procter & Gamble Co	Equities	742718109	251,358	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	8,607,931	63,560	SH		SOLE		63,007	100	453
Raytheon Technologies Corp	Equities	75513E101	13,677	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	709,725	9,185	SH		SOLE		9,185	0	0
Realty Income Corp REIT	Equities	756109104	31,750	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,391,158	21,908	SH		SOLE		21,533	0	375
Shoshone Silver Mining Company	Equities	825356108	0	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	5,594	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	1,903,712	30,626	SH		SOLE		30,251	0	375
SPDR Dow Jones Industrial Avera	Equities	78467X109	333,812	1,011	SH		SOLE		1,011	0	0
SPDR S&P 500 ETF	Equities	78462F103	95,119	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	875,493	2,209	SH		SOLE		2,209	0	0
Starbucks Corp	Equities	855244109	59,224	542	SH		DFND		542	0	0
Starbucks Corp	Equities	855244109	4,715,547	43,155	SH		SOLE		42,825	200	130
Sysco Corp	Equities	871829107	19,134	243	SH		DFND		243	0	0
Sysco Corp	Equities	871829107	189,133	2,402	SH		SOLE		2,402	0	0
T Rowe Price Group Inc.	Equities	74144T108	1,581,980	9,219	SH		SOLE		8,919	0	300
Target Co	Equities	87612E106	11,488	58	SH		DFND		58	0	0
Target Co	Equities	87612E106	1,696,668	8,566	SH		SOLE		8,481	60	25
TJX Companies Inc	Equities	872540109	721,366	10,905	SH		SOLE		10,905	0	0
Truist Financial Corp	Equities	89832Q109	2,624	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	2,362,077	40,502	SH		SOLE		40,502	0	0
U.S. Bancorp	Equities	902973304	470,799	8,512	SH		SOLE		7,612	0	900
Unilever Plc ADR	Equities	904767704	23,169	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	874,409	15,662	SH		SOLE		15,297	0	365
Union Pacific Corp	Equities	907818108	1,338,991	6,075	SH		SOLE		6,075	0	0
United Parcel Service Inc Class	Equities	911312106	54,397	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	3,910,450	23,004	SH		SOLE		22,629	25	350
UnitedHealth Group Inc	Equities	91324P102	494,853	1,330	SH		SOLE		1,300	0	30
Vanguard Developed Markets Inde	Equities	921943858	457,853	9,323	SH		SOLE		9,323	0	0
Vanguard Dividend Appreciation	Equities	921908844	724,369	4,925	SH		SOLE		4,853	0	72
Vanguard Extended Markets ETF	Equities	922908652	211,231	1,194	SH		SOLE		1,194	0	0
Vanguard Growth Index ETF	Equities	922908736	352,659	1,372	SH		SOLE		1,372	0	0
Vanguard Idx Total Stock Market	Equities	922908769	521,065	2,521	SH		SOLE		2,521	0	0
Vanguard Information Technology	Equities	92204A702	39,434	110	SH		DFND		110	0	0
Vanguard Information Technology	Equities	92204A702	2,820,599	7,868	SH		SOLE		7,648	0	220
Vanguard Large Cap Index ETF	Equities	922908637	574,430	3,100	SH		SOLE		3,100	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	538,299	2,432	SH		SOLE		2,260	0	172
Vanguard REIT Index ETF	Equities	922908553	970,593	10,566	SH		SOLE		10,097	0	469
Vanguard S&P 500 ETF	Equities	922908363	228,780	628	SH		SOLE		549	0	79
Vanguard Small-Cap Index ETF	Equities	922908751	623,615	2,913	SH		SOLE		2,792	0	121
Vanguard Value Index ETF	Equities	922908744	255,164	1,941	SH		SOLE		1,941	0	0
Verizon Communications Inc	Equities	92343V104	61,930	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	1,296,745	22,300	SH		SOLE		22,300	0	0
Visa Inc Class A	Equities	92826C839	29,642	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	4,819,822	22,764	SH		SOLE		22,203	0	561
Walgreens Boots Alliance Inc	Equities	931427108	82,350	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	1,067,805	19,450	SH		SOLE		19,450	0	0
Walmart Stores Inc	Equities	931142103	16,300	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	1,059,610	7,801	SH		SOLE		7,745	0	56
Walt Disney Co	Equities	254687106	28,601	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	7,786,375	42,198	SH		SOLE		41,675	230	293
Wisdomtree Global Ex-US Quality	Equities	97717W802	646,197	16,440	SH		SOLE		16,440	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	890,574	22,033	SH		SOLE		22,033	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	706,918	22,694	SH		SOLE		22,694	0	0