<SEC-DOCUMENT>0001074902-21-000081.txt : 20210813
<SEC-HEADER>0001074902-21-000081.hdr.sgml : 20210813
<ACCEPTANCE-DATETIME>20210813160704
ACCESSION NUMBER:		0001074902-21-000081
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210630
FILED AS OF DATE:		20210813
DATE AS OF CHANGE:		20210813
EFFECTIVENESS DATE:		20210813

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LCNB CORP
		CENTRAL INDEX KEY:			0001074902
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				311626393
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-17888
		FILM NUMBER:		211172133

	BUSINESS ADDRESS:	
		STREET 1:		2 NORTH BROADWAY
		STREET 2:		PO BOX 59
		CITY:			LEBANON
		STATE:			OH
		ZIP:			45036
		BUSINESS PHONE:		5139321414

	MAIL ADDRESS:	
		STREET 1:		2 NORTH BROADWAY
		STREET 2:		PO BOX 59
		CITY:			LEBANON
		STATE:			OH
		ZIP:			45036
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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          <cik>0001074902</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2021</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2021</reportCalendarOrQuarter>
      <filingManager>
        <name>LCNB CORP</name>
        <address>
          <com:street1>2 NORTH BROADWAY</com:street1>
          <com:street2>PO BOX 59</com:street2>
          <com:city>LEBANON</com:city>
          <com:stateOrCountry>OH</com:stateOrCountry>
          <com:zipCode>45036</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-17888</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Bradley A Ruppert</name>
      <title>Executive Vice President and Chief Investment Officer</title>
      <phone>513-932-1414</phone>
      <signature>Bradley A Ruppert</signature>
      <city>Lebanon</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>08-13-2021</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>161</tableEntryTotal>
      <tableValueTotal>198755</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>13F-HR.xml
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<infoTable><nameOfIssuer>Amazon.com Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>023135106</cusip><value>2105</value><shrsOrPrnAmt><sshPrnamt>612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>587</Sole><Shared>0</Shared><None>25</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Analog Devices Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>032654105</cusip><value>597</value><shrsOrPrnAmt><sshPrnamt>3469</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1836</Sole><Shared>0</Shared><None>1633</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>C H Robinson Worldwide Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>12541W209</cusip><value>636</value><shrsOrPrnAmt><sshPrnamt>6785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6485</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cardinal Health Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>14149Y108</cusip><value>400</value><shrsOrPrnAmt><sshPrnamt>7001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6075</Sole><Shared>0</Shared><None>926</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Caterpillar Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>149123101</cusip><value>516</value><shrsOrPrnAmt><sshPrnamt>2370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2027</Sole><Shared>0</Shared><None>343</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Cigna Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>125523100</cusip><value>207</value><shrsOrPrnAmt><sshPrnamt>875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>875</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172062101</cusip><value>3068</value><shrsOrPrnAmt><sshPrnamt>26306</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>26306</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cintas Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172908105</cusip><value>571</value><shrsOrPrnAmt><sshPrnamt>1495</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1495</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cisco Systems Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>815</value><shrsOrPrnAmt><sshPrnamt>15376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14590</Sole><Shared>0</Shared><None>786</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Citigroup Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172967424</cusip><value>536</value><shrsOrPrnAmt><sshPrnamt>7574</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6206</Sole><Shared>700</Shared><None>668</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Coca-Cola Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>940</value><shrsOrPrnAmt><sshPrnamt>17377</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15579</Sole><Shared>0</Shared><None>1798</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>295</value><shrsOrPrnAmt><sshPrnamt>5177</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4100</Sole><Shared>0</Shared><None>1077</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Concentrix Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20602D101</cusip><value>219</value><shrsOrPrnAmt><sshPrnamt>1364</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1364</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>229899109</cusip><value>302</value><shrsOrPrnAmt><sshPrnamt>2700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>2300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CVS Health Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>126650100</cusip><value>290</value><shrsOrPrnAmt><sshPrnamt>3477</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2827</Sole><Shared>0</Shared><None>650</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Danaher Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>235851102</cusip><value>535</value><shrsOrPrnAmt><sshPrnamt>1993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1693</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Deere &amp; Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>244199105</cusip><value>587</value><shrsOrPrnAmt><sshPrnamt>1665</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>819</Sole><Shared>0</Shared><None>846</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DIAGEO PLC SPONSORED A D R</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>25243Q205</cusip><value>376</value><shrsOrPrnAmt><sshPrnamt>1959</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>577</Sole><Shared>0</Shared><None>1382</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Disney Walt Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>254687106</cusip><value>2545</value><shrsOrPrnAmt><sshPrnamt>14478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10066</Sole><Shared>0</Shared><None>4412</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Dominion Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>25746U109</cusip><value>218</value><shrsOrPrnAmt><sshPrnamt>2963</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2763</Sole><Shared>0</Shared><None>200</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Duke Energy Holding Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26441C204</cusip><value>1013</value><shrsOrPrnAmt><sshPrnamt>10261</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7163</Sole><Shared>0</Shared><None>3098</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DuPont de Nemours Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26614N102</cusip><value>205</value><shrsOrPrnAmt><sshPrnamt>2642</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2609</Sole><Shared>0</Shared><None>33</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eaton Corp.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G29183103</cusip><value>1136</value><shrsOrPrnAmt><sshPrnamt>7664</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6528</Sole><Shared>0</Shared><None>1136</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Ecolab Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278865100</cusip><value>200</value><shrsOrPrnAmt><sshPrnamt>972</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>915</Sole><Shared>0</Shared><None>57</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>614</value><shrsOrPrnAmt><sshPrnamt>2675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2425</Sole><Shared>0</Shared><None>250</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Emerson Electric Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>291011104</cusip><value>727</value><shrsOrPrnAmt><sshPrnamt>7552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6552</Sole><Shared>0</Shared><None>1000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Enbridge Inc.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>1062</value><shrsOrPrnAmt><sshPrnamt>26525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10834</Sole><Shared>0</Shared><None>15691</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ESSA BANCORP INC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>29667D104</cusip><value>246</value><shrsOrPrnAmt><sshPrnamt>15000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30231G102</cusip><value>763</value><shrsOrPrnAmt><sshPrnamt>12096</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10550</Sole><Shared>0</Shared><None>1546</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fed Ex Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>882</value><shrsOrPrnAmt><sshPrnamt>2958</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1421</Sole><Shared>0</Shared><None>1537</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fifth Third Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>316773100</cusip><value>205</value><shrsOrPrnAmt><sshPrnamt>5350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>496</Sole><Shared>0</Shared><None>4854</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Financial Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y605</cusip><value>420</value><shrsOrPrnAmt><sshPrnamt>11450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Financial Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>320209109</cusip><value>489</value><shrsOrPrnAmt><sshPrnamt>20696</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20696</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fiserv Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>337738108</cusip><value>232</value><shrsOrPrnAmt><sshPrnamt>2175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2175</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>258</value><shrsOrPrnAmt><sshPrnamt>1372</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1372</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Mills Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>370334104</cusip><value>978</value><shrsOrPrnAmt><sshPrnamt>16048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13834</Sole><Shared>700</Shared><None>1514</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Goldman Sachs Physical Gold ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>38150K103</cusip><value>925</value><shrsOrPrnAmt><sshPrnamt>52572</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50665</Sole><Shared>0</Shared><None>1907</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Health Care Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y209</cusip><value>1049</value><shrsOrPrnAmt><sshPrnamt>8325</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8325</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Hershey Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>427866108</cusip><value>1493</value><shrsOrPrnAmt><sshPrnamt>8570</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8570</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>966</value><shrsOrPrnAmt><sshPrnamt>3028</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2879</Sole><Shared>0</Shared><None>149</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516106</cusip><value>1116</value><shrsOrPrnAmt><sshPrnamt>5086</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4600</Sole><Shared>0</Shared><None>486</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>452308109</cusip><value>624</value><shrsOrPrnAmt><sshPrnamt>2793</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1453</Sole><Shared>0</Shared><None>1340</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>458140100</cusip><value>2075</value><shrsOrPrnAmt><sshPrnamt>36967</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30786</Sole><Shared>800</Shared><None>5381</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>International Business Machines Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459200101</cusip><value>368</value><shrsOrPrnAmt><sshPrnamt>2511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2036</Sole><Shared>0</Shared><None>475</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco QQQ Trust Series</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090E103</cusip><value>626</value><shrsOrPrnAmt><sshPrnamt>1767</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1767</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco S&amp;P 500 Equal Weight ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46137V357</cusip><value>6222</value><shrsOrPrnAmt><sshPrnamt>41280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34910</Sole><Shared>3000</Shared><None>3370</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESTORS BANCORP INC NEW</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46146L101</cusip><value>149</value><shrsOrPrnAmt><sshPrnamt>10455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Biotechnology ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287556</cusip><value>584</value><shrsOrPrnAmt><sshPrnamt>3570</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3320</Sole><Shared>250</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Core S&amp;P 500 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287200</cusip><value>917</value><shrsOrPrnAmt><sshPrnamt>2133</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2133</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Core US Aggregate Bond Fund</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287226</cusip><value>315</value><shrsOrPrnAmt><sshPrnamt>2729</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2729</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Edge MSCI Min Vol USA ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46429B697</cusip><value>1230</value><shrsOrPrnAmt><sshPrnamt>16711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14186</Sole><Shared>0</Shared><None>2525</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. Core MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46434G103</cusip><value>3327</value><shrsOrPrnAmt><sshPrnamt>49662</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46712</Sole><Shared>0</Shared><None>2950</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. TR Core MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46432F842</cusip><value>13463</value><shrsOrPrnAmt><sshPrnamt>179836</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>164998</Sole><Shared>3264</Shared><None>11574</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P 500 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287408</cusip><value>254</value><shrsOrPrnAmt><sshPrnamt>1720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1720</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P Small Cap 600 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287879</cusip><value>270</value><shrsOrPrnAmt><sshPrnamt>2560</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2560</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287507</cusip><value>2792</value><shrsOrPrnAmt><sshPrnamt>10388</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9038</Sole><Shared>0</Shared><None>1350</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Small Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287804</cusip><value>2050</value><shrsOrPrnAmt><sshPrnamt>18147</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16577</Sole><Shared>650</Shared><None>920</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Total US Stock Market ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287150</cusip><value>3280</value><shrsOrPrnAmt><sshPrnamt>33210</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32460</Sole><Shared>0</Shared><None>750</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287465</cusip><value>961</value><shrsOrPrnAmt><sshPrnamt>12185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10770</Sole><Shared>0</Shared><None>1415</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287234</cusip><value>339</value><shrsOrPrnAmt><sshPrnamt>6141</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6141</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287614</cusip><value>348</value><shrsOrPrnAmt><sshPrnamt>1284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>326</Sole><Shared>0</Shared><None>958</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 2000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287655</cusip><value>756</value><shrsOrPrnAmt><sshPrnamt>3295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3120</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 3000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287689</cusip><value>2973</value><shrsOrPrnAmt><sshPrnamt>11617</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11217</Sole><Shared>100</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287499</cusip><value>1161</value><shrsOrPrnAmt><sshPrnamt>14655</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11434</Sole><Shared>0</Shared><None>3221</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287481</cusip><value>564</value><shrsOrPrnAmt><sshPrnamt>4980</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4980</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287473</cusip><value>328</value><shrsOrPrnAmt><sshPrnamt>2853</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2853</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Select Dividend ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>257</value><shrsOrPrnAmt><sshPrnamt>2203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1549</Sole><Shared>0</Shared><None>654</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR TIPS Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287176</cusip><value>625</value><shrsOrPrnAmt><sshPrnamt>4880</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4880</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR US Home Construction ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464288752</cusip><value>338</value><shrsOrPrnAmt><sshPrnamt>4885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3185</Sole><Shared>1000</Shared><None>700</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR US Real Estate ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287739</cusip><value>276</value><shrsOrPrnAmt><sshPrnamt>2707</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2707</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>478160104</cusip><value>2689</value><shrsOrPrnAmt><sshPrnamt>16325</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13483</Sole><Shared>250</Shared><None>2592</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP Morgan Chase Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>2098</value><shrsOrPrnAmt><sshPrnamt>13490</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11636</Sole><Shared>0</Shared><None>1854</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kansas City Southern</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>485170302</cusip><value>220</value><shrsOrPrnAmt><sshPrnamt>776</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>126</Sole><Shared>0</Shared><None>650</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>501044101</cusip><value>588</value><shrsOrPrnAmt><sshPrnamt>15350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13675</Sole><Shared>0</Shared><None>1675</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lam Research Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>512807108</cusip><value>1417</value><shrsOrPrnAmt><sshPrnamt>2178</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1910</Sole><Shared>100</Shared><None>168</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>4115</value><shrsOrPrnAmt><sshPrnamt>251348</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>241148</Sole><Shared>0</Shared><None>10200</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>4516</value><shrsOrPrnAmt><sshPrnamt>275840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>275840</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Linde PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5494J103</cusip><value>557</value><shrsOrPrnAmt><sshPrnamt>1927</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>444</Sole><Shared>0</Shared><None>1483</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>1106</value><shrsOrPrnAmt><sshPrnamt>2924</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2717</Sole><Shared>100</Shared><None>107</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lowes Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>2174</value><shrsOrPrnAmt><sshPrnamt>11206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8305</Sole><Shared>0</Shared><None>2901</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mastercard Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>57636Q104</cusip><value>815</value><shrsOrPrnAmt><sshPrnamt>2231</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1065</Sole><Shared>0</Shared><None>1166</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McCormick Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>579780206</cusip><value>428</value><shrsOrPrnAmt><sshPrnamt>4850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4350</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McDonalds Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>580135101</cusip><value>1239</value><shrsOrPrnAmt><sshPrnamt>5363</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4380</Sole><Shared>0</Shared><None>983</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Medtronic PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>623</value><shrsOrPrnAmt><sshPrnamt>5019</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3755</Sole><Shared>0</Shared><None>1264</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Merck and Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>884</value><shrsOrPrnAmt><sshPrnamt>11369</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10511</Sole><Shared>0</Shared><None>858</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Microsoft Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>594918104</cusip><value>7996</value><shrsOrPrnAmt><sshPrnamt>29517</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21929</Sole><Shared>0</Shared><None>7588</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mondelez International Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>431</value><shrsOrPrnAmt><sshPrnamt>6903</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6159</Sole><Shared>0</Shared><None>744</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Morgan Stanley</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>617446448</cusip><value>206</value><shrsOrPrnAmt><sshPrnamt>2244</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2244</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NextEra Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>718</value><shrsOrPrnAmt><sshPrnamt>9792</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8542</Sole><Shared>0</Shared><None>1250</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>654106103</cusip><value>1860</value><shrsOrPrnAmt><sshPrnamt>12041</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9878</Sole><Shared>0</Shared><None>2163</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>655844108</cusip><value>538</value><shrsOrPrnAmt><sshPrnamt>2028</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1408</Sole><Shared>0</Shared><None>620</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Novartis AG ADR</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>66987V109</cusip><value>1102</value><shrsOrPrnAmt><sshPrnamt>12073</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9407</Sole><Shared>450</Shared><None>2216</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nvidia Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>622</value><shrsOrPrnAmt><sshPrnamt>778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>728</Sole><Shared>0</Shared><None>50</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NXP Semiconductors </nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>N6596X109</cusip><value>218</value><shrsOrPrnAmt><sshPrnamt>1060</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1060</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Oracle Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>613</value><shrsOrPrnAmt><sshPrnamt>7871</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6783</Sole><Shared>0</Shared><None>1088</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PayPal Holdings Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>70450Y103</cusip><value>762</value><shrsOrPrnAmt><sshPrnamt>2613</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2163</Sole><Shared>300</Shared><None>150</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>2138</value><shrsOrPrnAmt><sshPrnamt>14428</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11794</Sole><Shared>0</Shared><None>2634</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pfizer Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>1278</value><shrsOrPrnAmt><sshPrnamt>32646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28262</Sole><Shared>1000</Shared><None>3384</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Phillips 66</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>248</value><shrsOrPrnAmt><sshPrnamt>2890</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2730</Sole><Shared>0</Shared><None>160</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PNC Financial Services Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>693475105</cusip><value>449</value><shrsOrPrnAmt><sshPrnamt>2356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2113</Sole><Shared>0</Shared><None>243</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>7261</value><shrsOrPrnAmt><sshPrnamt>53816</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50702</Sole><Shared>400</Shared><None>2714</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>216</value><shrsOrPrnAmt><sshPrnamt>1600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>1600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Prudential Financial Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>744320102</cusip><value>643</value><shrsOrPrnAmt><sshPrnamt>6275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5650</Sole><Shared>200</Shared><None>425</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Putnam Managed Municipal Income Trust</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>746823103</cusip><value>180</value><shrsOrPrnAmt><sshPrnamt>20565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20565</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Regions Financial Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>7591EP100</cusip><value>226</value><shrsOrPrnAmt><sshPrnamt>11204</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10204</Sole><Shared>0</Shared><None>1000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Roku Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>77543R102</cusip><value>485</value><shrsOrPrnAmt><sshPrnamt>1055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1055</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524300</cusip><value>6808</value><shrsOrPrnAmt><sshPrnamt>46644</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45270</Sole><Shared>0</Shared><None>1374</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524409</cusip><value>5771</value><shrsOrPrnAmt><sshPrnamt>84411</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>81841</Sole><Shared>0</Shared><None>2570</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Southern Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>842587107</cusip><value>540</value><shrsOrPrnAmt><sshPrnamt>8918</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8071</Sole><Shared>0</Shared><None>847</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Gold TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>1493</value><shrsOrPrnAmt><sshPrnamt>9017</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7730</Sole><Shared>300</Shared><None>987</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Trust ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>4271</value><shrsOrPrnAmt><sshPrnamt>9978</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9978</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P Mid Cap 400 ETF TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78467Y107</cusip><value>965</value><shrsOrPrnAmt><sshPrnamt>1965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1865</Sole><Shared>0</Shared><None>100</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Starbucks Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>1490</value><shrsOrPrnAmt><sshPrnamt>13323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11183</Sole><Shared>500</Shared><None>1640</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Stryker Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>863667101</cusip><value>262</value><shrsOrPrnAmt><sshPrnamt>1007</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>827</Sole><Shared>0</Shared><None>180</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Sysco Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>871829107</cusip><value>232</value><shrsOrPrnAmt><sshPrnamt>2990</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2240</Sole><Shared>0</Shared><None>750</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>T Rowe Price Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>74144T108</cusip><value>1474</value><shrsOrPrnAmt><sshPrnamt>7448</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6365</Sole><Shared>284</Shared><None>799</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Target Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>87612E106</cusip><value>240</value><shrsOrPrnAmt><sshPrnamt>993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>881</Sole><Shared>0</Shared><None>112</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Technology Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>1814</value><shrsOrPrnAmt><sshPrnamt>12285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12285</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tesla Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>88160R101</cusip><value>1223</value><shrsOrPrnAmt><sshPrnamt>1800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>882508104</cusip><value>442</value><shrsOrPrnAmt><sshPrnamt>2299</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1843</Sole><Shared>0</Shared><None>456</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TFS FINL CORP</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>87240R107</cusip><value>264</value><shrsOrPrnAmt><sshPrnamt>13000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>872540109</cusip><value>1283</value><shrsOrPrnAmt><sshPrnamt>19029</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8614</Sole><Shared>0</Shared><None>10415</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tractor Supply Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>892356106</cusip><value>476</value><shrsOrPrnAmt><sshPrnamt>2560</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2420</Sole><Shared>0</Shared><None>140</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>902973304</cusip><value>2358</value><shrsOrPrnAmt><sshPrnamt>41393</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36777</Sole><Shared>800</Shared><None>3816</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Union Pacific Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>907818108</cusip><value>391</value><shrsOrPrnAmt><sshPrnamt>1777</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1684</Sole><Shared>0</Shared><None>93</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United Parcel Service Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>911312106</cusip><value>1122</value><shrsOrPrnAmt><sshPrnamt>5394</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4580</Sole><Shared>296</Shared><None>518</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United/Raytheon Technologies Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>599</value><shrsOrPrnAmt><sshPrnamt>7024</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5054</Sole><Shared>287</Shared><None>1683</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>V F Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>918204108</cusip><value>285</value><shrsOrPrnAmt><sshPrnamt>3469</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2044</Sole><Shared>0</Shared><None>1425</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard High Dividend Yield Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>921946406</cusip><value>436</value><shrsOrPrnAmt><sshPrnamt>4165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1520</Sole><Shared>0</Shared><None>2645</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Intermediate Term Bond Index Fund Inc.</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>921937819</cusip><value>1227</value><shrsOrPrnAmt><sshPrnamt>13635</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13535</Sole><Shared>0</Shared><None>100</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard International Equity Index Fund</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>922042858</cusip><value>301</value><shrsOrPrnAmt><sshPrnamt>5545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5390</Sole><Shared>0</Shared><None>155</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>908</value><shrsOrPrnAmt><sshPrnamt>16206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9964</Sole><Shared>519</Shared><None>5723</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>92</value><shrsOrPrnAmt><sshPrnamt>1646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>1646</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Visa Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92826C839</cusip><value>341</value><shrsOrPrnAmt><sshPrnamt>1459</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1077</Sole><Shared>0</Shared><None>382</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Walmart Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>538</value><shrsOrPrnAmt><sshPrnamt>3816</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3466</Sole><Shared>0</Shared><None>350</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Welltower Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>95040Q104</cusip><value>393</value><shrsOrPrnAmt><sshPrnamt>4735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4416</Sole><Shared>0</Shared><None>319</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WestRock Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>96145D105</cusip><value>1021</value><shrsOrPrnAmt><sshPrnamt>19188</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18613</Sole><Shared>0</Shared><None>575</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WisdomTree US Total Dividend Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>97717W109</cusip><value>1116</value><shrsOrPrnAmt><sshPrnamt>9419</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6919</Sole><Shared>400</Shared><None>2100</None></votingAuthority></infoTable>
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