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
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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	1,191,194	6,815	SH		SOLE		6,790	0	25
Abbott Laboratories	Equities	002824100	131,388	1,200	SH		DFND		1,200	0	0
Abbott Laboratories	Equities	002824100	386,171	3,527	SH		SOLE		3,527	0	0
Abbvie Inc	Equities	00287Y109	128,580	1,200	SH		DFND		1,200	0	0
Abbvie Inc	Equities	00287Y109	571,860	5,337	SH		SOLE		5,337	0	0
Accenture Plc Class A	Equities	G1151C101	3,212,361	12,298	SH		SOLE		12,168	50	80
Allstate Corp	Equities	020002101	5,387	49	SH		DFND		49	0	0
Allstate Corp	Equities	020002101	3,719,152	33,832	SH		SOLE		33,657	175	0
Alphabet Inc Class A	Equities	02079K305	487,234	278	SH		SOLE		272	0	6
Alphabet Inc Class C	Equities	02079K107	534,323	305	SH		SOLE		305	0	0
Amazon.com Inc	Equities	023135106	882,628	271	SH		SOLE		269	0	2
Amgen Inc	Equities	031162100	43,915	191	SH		DFND		191	0	0
Amgen Inc	Equities	031162100	3,389,021	14,740	SH		SOLE		14,640	85	15
Apple Inc.	Equities	037833100	91,025	686	SH		DFND		686	0	0
Apple Inc.	Equities	037833100	12,627,709	95,167	SH		SOLE		94,617	480	70
AT&T Inc	Equities	00206R102	75,840	2,637	SH		DFND		2,637	0	0
AT&T Inc	Equities	00206R102	4,373,188	152,058	SH		SOLE		150,799	615	644
Automatic Data Processing	Equities	053015103	362,796	2,059	SH		SOLE		2,059	0	0
Bank of New York Mellon Corp	Equities	064058100	4,244	100	SH		DFND		100	0	0
Bank of New York Mellon Corp	Equities	064058100	743,124	17,510	SH		SOLE		17,210	0	300
Baxter International Inc	Equities	071813109	516,906	6,442	SH		SOLE		6,442	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	11,825	51	SH		DFND		51	0	0
Berkshire Hathaway Inc Class B	Equities	084670702	782,329	3,374	SH		SOLE		3,349	0	25
Blackrock Inc	Equities	09247X101	7,215	10	SH		DFND		10	0	0
Blackrock Inc	Equities	09247X101	3,572,345	4,951	SH		SOLE		4,951	0	0
Bristol-Myers Squibb Co	Equities	110122108	105,451	1,700	SH		DFND		1,700	0	0
Bristol-Myers Squibb Co	Equities	110122108	850,245	13,707	SH		SOLE		13,707	0	0
Carrier Global Corp	Equities	14448C104	3,395	90	SH		DFND		90	0	0
Carrier Global Corp	Equities	14448C104	287,200	7,614	SH		SOLE		7,614	0	0
Caterpillar Inc	Equities	149123101	2,730	15	SH		DFND		15	0	0
Caterpillar Inc	Equities	149123101	385,882	2,120	SH		SOLE		2,120	0	0
Chevron Corp	Equities	166764100	18,917	224	SH		DFND		224	0	0
Chevron Corp	Equities	166764100	3,558,723	42,140	SH		SOLE		40,773	130	1,237
Chubb LTD Corp	Equities	H1467J104	6,926	45	SH		DFND		45	0	0
Chubb LTD Corp	Equities	H1467J104	299,528	1,946	SH		SOLE		1,910	0	36
Cisco Systems Inc	Equities	17275R102	22,107	494	SH		DFND		494	0	0
Cisco Systems Inc	Equities	17275R102	2,976,502	66,514	SH		SOLE		66,074	300	140
Clorox Company	Equities	189054109	1,767,810	8,755	SH		SOLE		8,604	0	151
Coca-Cola Company	Equities	191216100	120,648	2,200	SH		DFND		2,200	0	0
Coca-Cola Company	Equities	191216100	4,524,135	82,497	SH		SOLE		81,934	300	263
Colgate-Palmolive Co	Equities	194162103	1,130,784	13,224	SH		SOLE		13,224	0	0
Comcast Corp Class A	Equities	20030N101	11,842	226	SH		DFND		226	0	0
Comcast Corp Class A	Equities	20030N101	5,005,720	95,529	SH		SOLE		94,713	700	116
CSX Corp	Equities	126408103	326,519	3,598	SH		SOLE		3,598	0	0
CVS Health Corp	Equities	126650100	17,621	258	SH		DFND		258	0	0
CVS Health Corp	Equities	126650100	3,602,688	52,748	SH		SOLE		52,163	470	115
Darden Restaurants Inc	Equities	237194105	355,097	2,981	SH		SOLE		2,981	0	0
Deere & Co	Equities	244199105	466,802	1,735	SH		SOLE		1,735	0	0
Dominion Energy Inc	Equities	25746U109	265,381	3,529	SH		SOLE		3,529	0	0
Duke Energy Corp	Equities	26441C204	3,021	33	SH		DFND		33	0	0
Duke Energy Corp	Equities	26441C204	3,037,869	33,179	SH		SOLE		32,729	142	308
Dupont De Nemours Inc	Equities	26614N102	201,028	2,827	SH		SOLE		2,827	0	0
Ecolab Inc	Equities	278865100	10,602	49	SH		DFND		49	0	0
Ecolab Inc	Equities	278865100	2,099,774	9,705	SH		SOLE		9,655	50	0
Eli Lilly & Co.	Equities	532457108	768,560	4,552	SH		SOLE		4,552	0	0
Emerson Electric Co	Equities	291011104	646,014	8,038	SH		SOLE		8,038	0	0
Enbridge Inc	Equities	29250N105	331,992	10,378	SH		SOLE		10,378	0	0
Estee Lauder Companies Inc Clas	Equities	518439104	299,996	1,127	SH		SOLE		1,127	0	0
Exxon Mobil Corp	Equities	30231G102	412	10	SH		DFND		10	0	0
Exxon Mobil Corp	Equities	30231G102	2,010,794	48,782	SH		SOLE		47,277	72	1,433
Flexshares Glb. Upstream Ntrl.	Equities	33939L407	2,136,544	65,659	SH		SOLE		64,954	498	207
Flexshares Yr. TIPS ETF	Equities	33939L605	7,600,943	273,366	SH		SOLE		271,978	1,388	0
General Dynamics Corp	Equities	369550108	8,036	54	SH		DFND		54	0	0
General Dynamics Corp	Equities	369550108	1,619,013	10,879	SH		SOLE		10,694	85	100
General Electric Co	Equities	369604103	21,600	2,000	SH		DFND		2,000	0	0
General Electric Co	Equities	369604103	436,180	40,387	SH		SOLE		40,387	0	0
General Mills Inc	Equities	370334104	405,896	6,903	SH		SOLE		6,903	0	0
Genuine Parts Co	Equities	372460105	203,471	2,026	SH		SOLE		2,026	0	0
Home Depot Inc	Equities	437076102	72,514	273	SH		DFND		273	0	0
Home Depot Inc	Equities	437076102	5,889,592	22,173	SH		SOLE		21,843	100	230
Honeywell International Inc	Equities	438516106	54,877	258	SH		DFND		258	0	0
Honeywell International Inc	Equities	438516106	5,116,924	24,057	SH		SOLE		23,872	95	90
Intel Corporation	Equities	458140100	34,874	700	SH		DFND		700	0	0
Intel Corporation	Equities	458140100	4,360,446	87,524	SH		SOLE		86,769	580	175
International Business Machines	Equities	459200101	8,308	66	SH		DFND		66	0	0
International Business Machines	Equities	459200101	2,942,445	23,376	SH		SOLE		23,231	145	0
Invesco Bulletshares 2022 Munic	Equities	46138J551	438,803	17,235	SH		SOLE		17,235	0	0
Invesco Bulletshares 2024 Munic	Equities	46138J536	324,780	12,630	SH		SOLE		12,630	0	0
Invesco Bulletshares 2025 Munic	Equities	46138J528	226,073	8,704	SH		SOLE		8,704	0	0
Invesco Bulletshares 2026 Munic	Equities	46138J510	533,490	20,614	SH		SOLE		20,614	0	0
Invesco Bulletshares 2029 Munic	Equities	46138J478	243,041	9,303	SH		SOLE		9,303	0	0
iShares 1-3 Year Treasury Bond	Equities	464287457	308,895	3,576	SH		SOLE		3,576	0	0
iShares Core S&P 500 ETF	Equities	464287200	739,143	1,969	SH		SOLE		1,877	0	92
iShares Core S&P Mid-Cap ETF	Equities	464287507	340,378	1,481	SH		SOLE		1,481	0	0
iShares GNMA Bond ETF	Equities	46429B333	1,247,562	24,462	SH		SOLE		24,462	0	0
iShares iBonds 2022 Corporate E	Equities	46434VBA7	341,334	13,349	SH		SOLE		13,349	0	0
iShares iBonds 2023 Corporate E	Equities	46434VAX8	387,903	14,766	SH		SOLE		14,766	0	0
iShares iBonds 2024 Corporate E	Equities	46434VBG4	543,800	20,459	SH		SOLE		20,459	0	0
iShares iBonds 2025 Corporate E	Equities	46434VBD1	381,976	13,956	SH		SOLE		13,956	0	0
iShares iBonds 2026 Corporate E	Equities	46435GAA0	369,339	13,628	SH		SOLE		13,628	0	0
iShares iBonds 2027 Corporate E	Equities	46435UAA9	574,697	20,845	SH		SOLE		20,845	0	0
iShares iBonds 2028 Corporate E	Equities	46435U515	352,236	11,920	SH		SOLE		11,920	0	0
iShares iBonds 2029 Corporate E	Equities	46436E205	218,408	7,945	SH		SOLE		7,945	0	0
iShares MBS ETF	Equities	464288588	1,444,906	13,120	SH		SOLE		13,120	0	0
iShares Russell 1000 Growth ETF	Equities	464287614	421,754	1,749	SH		SOLE		1,749	0	0
iShares Russell 1000 Value ETF	Equities	464287598	223,007	1,631	SH		SOLE		1,631	0	0
iShares Russell 2000 ETF	Equities	464287655	1,369,087	6,983	SH		SOLE		6,983	0	0
iShares Russell Mid-Cap ETF	Equities	464287499	1,375,250	20,062	SH		SOLE		20,062	0	0
iShares S&P 500 Growth ETF	Equities	464287309	211,882	3,320	SH		SOLE		3,320	0	0
iShares S&P Mid-Cap 400 Growth	Equities	464287606	207,127	2,868	SH		SOLE		2,868	0	0
iShares Select Dividend ETF	Equities	464287168	1,392,590	14,479	SH		SOLE		14,479	0	0
iShares US Preferred Stock ETF	Equities	464288687	1,567,203	40,696	SH		SOLE		39,721	500	475
Johnson & Johnson	Equities	478160104	33,050	210	SH		DFND		210	0	0
Johnson & Johnson	Equities	478160104	9,954,915	63,254	SH		SOLE		62,746	140	368
JP Morgan Chase	Equities	46625H100	78,275	616	SH		DFND		616	0	0
JP Morgan Chase	Equities	46625H100	7,370,695	58,005	SH		SOLE		57,552	233	220
Kentucky First Federal Bancorp	Equities	491292108	0	22,509	SH		SOLE		22,509	0	0
Kimberly-Clark Corp	Equities	494368103	824,081	6,112	SH		SOLE		6,112	0	0
Kintara Therapeutics, Inc.	Equities	49720K101	14,016	10,950	SH		SOLE		10,950	0	0
Linde Plc	Equities	G5494J103	19,500	74	SH		DFND		74	0	0
Linde Plc	Equities	G5494J103	2,487,271	9,439	SH		SOLE		9,389	50	0
Lockheed Martin Corp	Equities	539830109	437,690	1,233	SH		SOLE		1,221	0	12
Lowe's Companies Inc	Equities	548661107	1,432,873	8,927	SH		SOLE		8,727	0	200
Mastercard Inc Class A	Equities	57636Q104	4,050,555	11,348	SH		SOLE		10,866	0	482
McDonald's Corp	Equities	580135101	10,729	50	SH		DFND		50	0	0
McDonald's Corp	Equities	580135101	6,167,029	28,740	SH		SOLE		28,435	105	200
Merck & Co Inc	Equities	58933Y105	6,953	85	SH		DFND		85	0	0
Merck & Co Inc	Equities	58933Y105	1,843,199	22,533	SH		SOLE		22,358	0	175
Meta Platforms Inc	Equities	30303M102	269,609	987	SH		SOLE		987	0	0
Microsoft Corp	Equities	594918104	139,013	625	SH		DFND		625	0	0
Microsoft Corp	Equities	594918104	11,623,224	52,258	SH		SOLE		51,699	250	309
Mondelez International Inc A	Equities	609207105	12,688	217	SH		DFND		217	0	0
Mondelez International Inc A	Equities	609207105	1,959,681	33,516	SH		SOLE		33,241	275	0
Morgan Stanley Corp	Equities	617446448	282,481	4,122	SH		SOLE		4,122	0	0
Nextera Energy Inc	Equities	65339F101	2,688,832	34,852	SH		SOLE		34,722	0	130
Nike Inc Class B	Equities	654106103	5,659	40	SH		DFND		40	0	0
Nike Inc Class B	Equities	654106103	1,123,272	7,940	SH		SOLE		7,885	0	55
Norfolk Southern Corp	Equities	655844108	14,257	60	SH		DFND		60	0	0
Norfolk Southern Corp	Equities	655844108	5,225,519	21,992	SH		SOLE		21,942	50	0
Novartis Ag ADR	Equities	66987V109	854,308	9,047	SH		SOLE		8,797	0	250
NVIDIA Corp	Equities	67066G104	297,654	570	SH		SOLE		570	0	0
Opko Health Inc	Equities	68375N103	227,125	57,500	SH		SOLE		57,500	0	0
Oracle Corporation	Equities	68389X105	415,504	6,423	SH		SOLE		6,318	0	105
Otis Worldwide Corp	Equities	68902V107	3,040	45	SH		DFND		45	0	0
Otis Worldwide Corp	Equities	68902V107	241,829	3,580	SH		SOLE		3,580	0	0
Paypal Holdings	Equities	70450Y103	218,274	932	SH		SOLE		932	0	0
Pepsico Inc	Equities	713448108	3,209,360	21,641	SH		SOLE		21,305	0	336
Pfizer Inc	Equities	717081103	22,307	606	SH		DFND		606	0	0
Pfizer Inc	Equities	717081103	5,566,850	151,232	SH		SOLE		149,197	760	1,275
Philip Morris International Inc	Equities	718172109	230,984	2,790	SH		SOLE		2,790	0	0
PNC Financial Services Group	Equities	693475105	829,185	5,565	SH		SOLE		5,565	0	0
PPG Industries Inc	Equities	693506107	724,706	5,025	SH		SOLE		5,025	0	0
Procter & Gamble Co	Equities	742718109	258,244	1,856	SH		DFND		1,856	0	0
Procter & Gamble Co	Equities	742718109	9,091,547	65,341	SH		SOLE		64,788	100	453
Raytheon Technologies Corp	Equities	75513E101	12,657	177	SH		DFND		177	0	0
Raytheon Technologies Corp	Equities	75513E101	684,351	9,570	SH		SOLE		9,570	0	0
Realty Income Corp REIT	Equities	756109104	31,085	500	SH		DFND		500	0	0
Realty Income Corp REIT	Equities	756109104	1,439,857	23,160	SH		SOLE		22,785	0	375
Salesforce.Com Inc	Equities	79466L302	204,283	918	SH		SOLE		918	0	0
Shoshone Silver Mining Company	Equities	825356108	0	10,000	SH		SOLE		10,000	0	0
Southern Company	Equities	842587107	5,529	90	SH		DFND		90	0	0
Southern Company	Equities	842587107	2,106,066	34,284	SH		SOLE		33,909	0	375
SPDR Dow Jones Industrial Avera	Equities	78467X109	420,767	1,376	SH		SOLE		1,376	0	0
SPDR S&P 500 ETF	Equities	78462F103	89,731	240	SH		DFND		240	0	0
SPDR S&P 500 ETF	Equities	78462F103	863,289	2,309	SH		SOLE		2,309	0	0
Starbucks Corp	Equities	855244109	56,913	532	SH		DFND		532	0	0
Starbucks Corp	Equities	855244109	4,750,447	44,405	SH		SOLE		44,075	200	130
Sysco Corp	Equities	871829107	18,045	243	SH		DFND		243	0	0
Sysco Corp	Equities	871829107	184,833	2,489	SH		SOLE		2,489	0	0
T Rowe Price Group Inc.	Equities	74144T108	1,509,056	9,968	SH		SOLE		9,668	0	300
TJX Companies Inc	Equities	872540109	5,600	82	SH		DFND		82	0	0
TJX Companies Inc	Equities	872540109	2,840,318	41,592	SH		SOLE		41,267	275	50
Truist Financial Corp	Equities	89832Q109	2,157	45	SH		DFND		45	0	0
Truist Financial Corp	Equities	89832Q109	2,023,365	42,215	SH		SOLE		42,215	0	0
U.S. Bancorp	Equities	902973304	425,972	9,143	SH		SOLE		8,243	0	900
Unilever Plc ADR	Equities	904767704	25,049	415	SH		DFND		415	0	0
Unilever Plc ADR	Equities	904767704	1,239,372	20,533	SH		SOLE		20,168	0	365
Union Pacific Corp	Equities	907818108	1,296,586	6,227	SH		SOLE		6,227	0	0
United Parcel Service Inc Class	Equities	911312106	53,888	320	SH		DFND		320	0	0
United Parcel Service Inc Class	Equities	911312106	3,887,346	23,084	SH		SOLE		22,709	25	350
UnitedHealth Group Inc	Equities	91324P102	466,054	1,329	SH		SOLE		1,299	0	30
Vanguard Developed Markets Inde	Equities	921943858	477,104	10,106	SH		SOLE		10,106	0	0
Vanguard Dividend Appreciation	Equities	921908844	729,849	5,170	SH		SOLE		5,098	0	72
Vanguard Extended Markets ETF	Equities	922908652	205,850	1,250	SH		SOLE		1,250	0	0
Vanguard Growth Index ETF	Equities	922908736	330,862	1,306	SH		SOLE		1,306	0	0
Vanguard Idx Total Stock Market	Equities	922908769	490,687	2,521	SH		SOLE		2,521	0	0
Vanguard Information Technology	Equities	92204A702	38,917	110	SH		DFND		110	0	0
Vanguard Information Technology	Equities	92204A702	2,767,699	7,823	SH		SOLE		7,623	0	200
Vanguard Large Cap Index ETF	Equities	922908637	546,551	3,110	SH		SOLE		3,110	0	0
Vanguard Mid-Cap Index ETF	Equities	922908629	499,763	2,417	SH		SOLE		2,245	0	172
Vanguard REIT Index ETF	Equities	922908553	990,708	11,665	SH		SOLE		11,196	0	469
Vanguard S&P 500 ETF	Equities	922908363	249,175	725	SH		SOLE		646	0	79
Vanguard Small-Cap Index ETF	Equities	922908751	561,652	2,885	SH		SOLE		2,764	0	121
Vanguard Value Index ETF	Equities	922908744	230,901	1,941	SH		SOLE		1,941	0	0
Verizon Communications Inc	Equities	92343V104	62,569	1,065	SH		DFND		1,065	0	0
Verizon Communications Inc	Equities	92343V104	1,662,625	28,300	SH		SOLE		28,210	0	90
Visa Inc Class A	Equities	92826C839	30,622	140	SH		DFND		140	0	0
Visa Inc Class A	Equities	92826C839	5,193,963	23,746	SH		SOLE		23,185	0	561
Walgreens Boots Alliance Inc	Equities	931427108	59,820	1,500	SH		DFND		1,500	0	0
Walgreens Boots Alliance Inc	Equities	931427108	830,022	20,813	SH		SOLE		20,813	0	0
Walmart Stores Inc	Equities	931142103	17,298	120	SH		DFND		120	0	0
Walmart Stores Inc	Equities	931142103	1,139,362	7,904	SH		SOLE		7,848	0	56
Walt Disney Co	Equities	254687106	28,083	155	SH		DFND		155	0	0
Walt Disney Co	Equities	254687106	7,559,917	41,726	SH		SOLE		41,203	230	293
Wisdomtree Global Ex-US Quality	Equities	97717W802	395,142	10,554	SH		SOLE		10,554	0	0
Wisdomtree US Midcap Dividend F	Equities	97717W505	558,387	16,041	SH		SOLE		16,041	0	0
Wisdomtree US Smallcap Dividend	Equities	97717W604	412,140	15,494	SH		SOLE		15,494	0	0