<SEC-DOCUMENT>0001074902-23-000101.txt : 20231113
<SEC-HEADER>0001074902-23-000101.hdr.sgml : 20231113
<ACCEPTANCE-DATETIME>20231113094622
ACCESSION NUMBER:		0001074902-23-000101
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231113
DATE AS OF CHANGE:		20231113
EFFECTIVENESS DATE:		20231113

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:		231395916

	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>09-30-2023</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</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>
      </filingManager>
      <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>5139321414</phone>
      <signature>Bradley A. Ruppert</signature>
      <city>Lebanon</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>11-13-2023</signatureDate>
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    <summaryPage>
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      <tableValueTotal>226049040</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<infoTable><nameOfIssuer>Amazon.com Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>023135106</cusip><value>1702010</value><shrsOrPrnAmt><sshPrnamt>13389</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13089</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Amgen Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>031162100</cusip><value>1956035</value><shrsOrPrnAmt><sshPrnamt>7278</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4998</Sole><Shared>0</Shared><None>2280</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Apple Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>037833100</cusip><value>6197802</value><shrsOrPrnAmt><sshPrnamt>36200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27164</Sole><Shared>0</Shared><None>9036</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Bristol-Myers Squibb Co</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>110122108</cusip><value>342900</value><shrsOrPrnAmt><sshPrnamt>5908</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5558</Sole><Shared>0</Shared><None>350</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Broadcom Ltd.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>11135F101</cusip><value>2297384</value><shrsOrPrnAmt><sshPrnamt>2766</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2566</Sole><Shared>0</Shared><None>200</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>C H Robinson Worldwide Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>12541W209</cusip><value>533575</value><shrsOrPrnAmt><sshPrnamt>6195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6195</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Canadian Pacific Kansas City Limited</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>13646K108</cusip><value>304783</value><shrsOrPrnAmt><sshPrnamt>4096</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2172</Sole><Shared>0</Shared><None>1924</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cardinal Health Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>14149Y108</cusip><value>609303</value><shrsOrPrnAmt><sshPrnamt>7018</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6717</Sole><Shared>0</Shared><None>301</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Caterpillar Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>149123101</cusip><value>700791</value><shrsOrPrnAmt><sshPrnamt>2567</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2317</Sole><Shared>0</Shared><None>250</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Chevron Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>166764100</cusip><value>3358236</value><shrsOrPrnAmt><sshPrnamt>19916</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19810</Sole><Shared>0</Shared><None>106</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Cigna Group</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>125523100</cusip><value>332699</value><shrsOrPrnAmt><sshPrnamt>1163</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1163</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172062101</cusip><value>2588960</value><shrsOrPrnAmt><sshPrnamt>25310</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25310</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cintas Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172908105</cusip><value>523820</value><shrsOrPrnAmt><sshPrnamt>1089</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1089</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cisco Systems Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>882040</value><shrsOrPrnAmt><sshPrnamt>16407</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15821</Sole><Shared>0</Shared><None>586</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Coca-Cola Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>854703</value><shrsOrPrnAmt><sshPrnamt>15268</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13711</Sole><Shared>0</Shared><None>1557</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>367047</value><shrsOrPrnAmt><sshPrnamt>8278</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7551</Sole><Shared>0</Shared><None>727</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Conocophillips </nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20825C104</cusip><value>267993</value><shrsOrPrnAmt><sshPrnamt>2237</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2172</Sole><Shared>0</Shared><None>65</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Corning Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>219350105</cusip><value>379961</value><shrsOrPrnAmt><sshPrnamt>12470</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12470</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cullen Frost Bankers Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>229899109</cusip><value>337477</value><shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1400</Sole><Shared>0</Shared><None>2300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cummins Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>231021106</cusip><value>255190</value><shrsOrPrnAmt><sshPrnamt>1117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1117</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Disney Walt Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>254687106</cusip><value>1089069</value><shrsOrPrnAmt><sshPrnamt>13437</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9660</Sole><Shared>0</Shared><None>3777</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Duke Energy Holding Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26441C204</cusip><value>1074654</value><shrsOrPrnAmt><sshPrnamt>12176</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9976</Sole><Shared>0</Shared><None>2200</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eastman Chemical Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>277432100</cusip><value>408304</value><shrsOrPrnAmt><sshPrnamt>5322</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5322</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eaton Corp.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G29183103</cusip><value>1380775</value><shrsOrPrnAmt><sshPrnamt>6474</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5763</Sole><Shared>0</Shared><None>711</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>1171481</value><shrsOrPrnAmt><sshPrnamt>2181</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2181</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>80570</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Emerson Electric Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>291011104</cusip><value>919250</value><shrsOrPrnAmt><sshPrnamt>9519</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9319</Sole><Shared>0</Shared><None>200</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Enbridge Inc.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>819162</value><shrsOrPrnAmt><sshPrnamt>24681</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11891</Sole><Shared>0</Shared><None>12790</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Energy Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y506</cusip><value>424833</value><shrsOrPrnAmt><sshPrnamt>4700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EOG Resources Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26875P101</cusip><value>263534</value><shrsOrPrnAmt><sshPrnamt>2079</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2079</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30231G102</cusip><value>1677514</value><shrsOrPrnAmt><sshPrnamt>14267</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13021</Sole><Shared>0</Shared><None>1246</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fed Ex Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>935168</value><shrsOrPrnAmt><sshPrnamt>3530</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2108</Sole><Shared>0</Shared><None>1422</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fifth Third Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>316773100</cusip><value>475140</value><shrsOrPrnAmt><sshPrnamt>18758</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13751</Sole><Shared>0</Shared><None>5007</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Financial Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>320209109</cusip><value>344882</value><shrsOrPrnAmt><sshPrnamt>17596</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17596</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Trust Long/Short Equity ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33739P103</cusip><value>4375946</value><shrsOrPrnAmt><sshPrnamt>82332</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>79503</Sole><Shared>0</Shared><None>2829</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fiserv Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>337738108</cusip><value>218013</value><shrsOrPrnAmt><sshPrnamt>1930</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1930</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>324163</value><shrsOrPrnAmt><sshPrnamt>1467</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1467</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Mills Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>370334104</cusip><value>501746</value><shrsOrPrnAmt><sshPrnamt>7841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7191</Sole><Shared>0</Shared><None>650</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Goldman Sachs Physical Gold ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>38150K103</cusip><value>274522</value><shrsOrPrnAmt><sshPrnamt>14993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14993</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Grainger W W Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>384802104</cusip><value>238685</value><shrsOrPrnAmt><sshPrnamt>345</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>345</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Health Care Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y209</cusip><value>1046656</value><shrsOrPrnAmt><sshPrnamt>8130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Hershey Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>427866108</cusip><value>1724289</value><shrsOrPrnAmt><sshPrnamt>8618</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8618</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>840005</value><shrsOrPrnAmt><sshPrnamt>2780</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2723</Sole><Shared>0</Shared><None>57</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516106</cusip><value>835764</value><shrsOrPrnAmt><sshPrnamt>4524</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4393</Sole><Shared>0</Shared><None>131</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>452308109</cusip><value>634734</value><shrsOrPrnAmt><sshPrnamt>2756</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1626</Sole><Shared>0</Shared><None>1130</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>458140100</cusip><value>1132516</value><shrsOrPrnAmt><sshPrnamt>31857</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30748</Sole><Shared>0</Shared><None>1109</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>International Business Machines Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459200101</cusip><value>492453</value><shrsOrPrnAmt><sshPrnamt>3510</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3235</Sole><Shared>0</Shared><None>275</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Interpublic Group of Companies</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>460690100</cusip><value>295542</value><shrsOrPrnAmt><sshPrnamt>10312</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9949</Sole><Shared>0</Shared><None>363</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco QQQ Trust Series</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090E103</cusip><value>633063</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>6236202</value><shrsOrPrnAmt><sshPrnamt>44013</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>41077</Sole><Shared>0</Shared><None>2936</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Invesco S&amp;P 500 Equal Weight ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46137V357</cusip><value>70845</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares 1-3 Year Treasury Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287457</cusip><value>2291775</value><shrsOrPrnAmt><sshPrnamt>28304</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27740</Sole><Shared>0</Shared><None>564</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Biotechnology ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287556</cusip><value>272707</value><shrsOrPrnAmt><sshPrnamt>2230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2230</Sole><Shared>0</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>957199</value><shrsOrPrnAmt><sshPrnamt>2229</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2229</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>1794753</value><shrsOrPrnAmt><sshPrnamt>19085</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15190</Sole><Shared>0</Shared><None>3895</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Edge MSCI Min Vol USA ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46429B697</cusip><value>465042</value><shrsOrPrnAmt><sshPrnamt>6425</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6425</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. Core MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46434G103</cusip><value>6517022</value><shrsOrPrnAmt><sshPrnamt>136941</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>133248</Sole><Shared>0</Shared><None>3693</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. TR Core MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46432F842</cusip><value>13556679</value><shrsOrPrnAmt><sshPrnamt>210671</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>205265</Sole><Shared>0</Shared><None>5406</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Intermediate Government-Credit Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464288612</cusip><value>506650</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares JP Morgan Emerging Markets Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464288281</cusip><value>3186757</value><shrsOrPrnAmt><sshPrnamt>38618</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36421</Sole><Shared>0</Shared><None>2197</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares MSCI India ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46429B598</cusip><value>2222276</value><shrsOrPrnAmt><sshPrnamt>50255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>47285</Sole><Shared>0</Shared><None>2970</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287622</cusip><value>250179</value><shrsOrPrnAmt><sshPrnamt>1065</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1065</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>iShares Russell 1000 Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287614</cusip><value>292198</value><shrsOrPrnAmt><sshPrnamt>1099</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>308</Sole><Shared>0</Shared><None>791</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P 500 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287408</cusip><value>264605</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 TR Core S&amp;P Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287507</cusip><value>1783102</value><shrsOrPrnAmt><sshPrnamt>7151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6047</Sole><Shared>0</Shared><None>1104</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Small Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287804</cusip><value>1127338</value><shrsOrPrnAmt><sshPrnamt>11951</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11551</Sole><Shared>0</Shared><None>400</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>3287231</value><shrsOrPrnAmt><sshPrnamt>34900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287465</cusip><value>666870</value><shrsOrPrnAmt><sshPrnamt>9676</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8576</Sole><Shared>0</Shared><None>1100</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287234</cusip><value>233127</value><shrsOrPrnAmt><sshPrnamt>6143</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6143</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 2000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287655</cusip><value>928062</value><shrsOrPrnAmt><sshPrnamt>5251</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5101</Sole><Shared>0</Shared><None>150</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 3000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287689</cusip><value>5676325</value><shrsOrPrnAmt><sshPrnamt>23163</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22863</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287499</cusip><value>1628685</value><shrsOrPrnAmt><sshPrnamt>23519</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20867</Sole><Shared>0</Shared><None>2652</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Select Dividend ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>220554</value><shrsOrPrnAmt><sshPrnamt>2049</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1549</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR US Home Construction ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464288752</cusip><value>242142</value><shrsOrPrnAmt><sshPrnamt>3085</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3085</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares US Healthcare ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287762</cusip><value>411857</value><shrsOrPrnAmt><sshPrnamt>1525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>478160104</cusip><value>2278778</value><shrsOrPrnAmt><sshPrnamt>14631</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12672</Sole><Shared>0</Shared><None>1959</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP Morgan Chase Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>1937467</value><shrsOrPrnAmt><sshPrnamt>13360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12006</Sole><Shared>0</Shared><None>1354</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>501044101</cusip><value>842240</value><shrsOrPrnAmt><sshPrnamt>18821</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18521</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lam Research Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>512807108</cusip><value>1561911</value><shrsOrPrnAmt><sshPrnamt>2492</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2449</Sole><Shared>0</Shared><None>43</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>3118880</value><shrsOrPrnAmt><sshPrnamt>218562</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>218562</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>3936237</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>Lockheed Martin Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>1136091</value><shrsOrPrnAmt><sshPrnamt>2778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2703</Sole><Shared>0</Shared><None>75</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lowes Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>2324898</value><shrsOrPrnAmt><sshPrnamt>11186</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9190</Sole><Shared>0</Shared><None>1996</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Marathon Petroleum Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>56585A102</cusip><value>300561</value><shrsOrPrnAmt><sshPrnamt>1986</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1986</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mastercard Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>57636Q104</cusip><value>1063810</value><shrsOrPrnAmt><sshPrnamt>2687</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1746</Sole><Shared>0</Shared><None>941</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McCormick Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>579780206</cusip><value>329034</value><shrsOrPrnAmt><sshPrnamt>4350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3850</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McDonalds Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>580135101</cusip><value>1330372</value><shrsOrPrnAmt><sshPrnamt>5050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4067</Sole><Shared>0</Shared><None>983</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Medtronic PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>673739</value><shrsOrPrnAmt><sshPrnamt>8598</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7386</Sole><Shared>0</Shared><None>1212</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Merck and Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>2100798</value><shrsOrPrnAmt><sshPrnamt>20406</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19963</Sole><Shared>0</Shared><None>443</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Microsoft Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>594918104</cusip><value>8584611</value><shrsOrPrnAmt><sshPrnamt>27188</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21645</Sole><Shared>0</Shared><None>5543</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mondelez International Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>754725</value><shrsOrPrnAmt><sshPrnamt>10875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10465</Sole><Shared>0</Shared><None>410</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>New Linde PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G54950103</cusip><value>667251</value><shrsOrPrnAmt><sshPrnamt>1792</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>454</Sole><Shared>0</Shared><None>1338</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NextEra Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>500371</value><shrsOrPrnAmt><sshPrnamt>8734</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8234</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>654106103</cusip><value>992153</value><shrsOrPrnAmt><sshPrnamt>10376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8442</Sole><Shared>0</Shared><None>1934</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>655844108</cusip><value>381060</value><shrsOrPrnAmt><sshPrnamt>1935</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1515</Sole><Shared>0</Shared><None>420</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Novartis AG ADR</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>66987V109</cusip><value>1177400</value><shrsOrPrnAmt><sshPrnamt>11559</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9793</Sole><Shared>0</Shared><None>1766</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nvidia Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>1639912</value><shrsOrPrnAmt><sshPrnamt>3770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3570</Sole><Shared>0</Shared><None>200</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NXP Semiconductors </nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>N6596X109</cusip><value>282887</value><shrsOrPrnAmt><sshPrnamt>1415</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1415</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Oracle Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>581501</value><shrsOrPrnAmt><sshPrnamt>5490</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5279</Sole><Shared>0</Shared><None>211</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PayPal Holdings Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>70450Y103</cusip><value>642475</value><shrsOrPrnAmt><sshPrnamt>10990</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10840</Sole><Shared>0</Shared><None>150</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>2550072</value><shrsOrPrnAmt><sshPrnamt>15050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12866</Sole><Shared>0</Shared><None>2184</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pfizer Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>1155079</value><shrsOrPrnAmt><sshPrnamt>34823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33093</Sole><Shared>0</Shared><None>1730</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Phillips 66</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>343028</value><shrsOrPrnAmt><sshPrnamt>2855</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2855</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pioneer Natural Resources Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>723787107</cusip><value>342489</value><shrsOrPrnAmt><sshPrnamt>1492</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1322</Sole><Shared>0</Shared><None>170</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PNC Financial Services Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>693475105</cusip><value>287650</value><shrsOrPrnAmt><sshPrnamt>2343</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2100</Sole><Shared>0</Shared><None>243</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Polaris Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>731068102</cusip><value>261704</value><shrsOrPrnAmt><sshPrnamt>2513</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2513</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>9604881</value><shrsOrPrnAmt><sshPrnamt>65850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>63737</Sole><Shared>0</Shared><None>2113</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>233376</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>519713</value><shrsOrPrnAmt><sshPrnamt>5477</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5352</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>499717</value><shrsOrPrnAmt><sshPrnamt>6943</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5345</Sole><Shared>0</Shared><None>1598</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab Strategic US TIPS ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>808524870</cusip><value>1088817</value><shrsOrPrnAmt><sshPrnamt>21565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21311</Sole><Shared>0</Shared><None>254</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524797</cusip><value>483432</value><shrsOrPrnAmt><sshPrnamt>6832</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6057</Sole><Shared>0</Shared><None>775</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524300</cusip><value>10051140</value><shrsOrPrnAmt><sshPrnamt>138217</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>131027</Sole><Shared>0</Shared><None>7190</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524409</cusip><value>9165954</value><shrsOrPrnAmt><sshPrnamt>142196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>135696</Sole><Shared>0</Shared><None>6500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large-Cap</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524201</cusip><value>356325</value><shrsOrPrnAmt><sshPrnamt>7042</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7042</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>83088M102</cusip><value>419500</value><shrsOrPrnAmt><sshPrnamt>4255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4200</Sole><Shared>0</Shared><None>55</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Southern Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>842587107</cusip><value>409095</value><shrsOrPrnAmt><sshPrnamt>6321</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6021</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Gold TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>1089908</value><shrsOrPrnAmt><sshPrnamt>6357</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5820</Sole><Shared>0</Shared><None>537</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Trust ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>4500509</value><shrsOrPrnAmt><sshPrnamt>10528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10528</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Value</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78464A508</cusip><value>206300</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>5000</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>810536</value><shrsOrPrnAmt><sshPrnamt>1775</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1775</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Starbucks Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>1019851</value><shrsOrPrnAmt><sshPrnamt>11174</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10484</Sole><Shared>0</Shared><None>690</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Stryker Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>863667101</cusip><value>265618</value><shrsOrPrnAmt><sshPrnamt>972</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>892</Sole><Shared>0</Shared><None>80</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Sysco Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>871829107</cusip><value>358850</value><shrsOrPrnAmt><sshPrnamt>5433</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5158</Sole><Shared>0</Shared><None>275</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>T Rowe Price Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>74144T108</cusip><value>638553</value><shrsOrPrnAmt><sshPrnamt>6089</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5964</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Technology Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>1965521</value><shrsOrPrnAmt><sshPrnamt>11990</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11990</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tesla Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>88160R101</cusip><value>1068439</value><shrsOrPrnAmt><sshPrnamt>4270</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4270</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>882508104</cusip><value>372401</value><shrsOrPrnAmt><sshPrnamt>2342</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2126</Sole><Shared>0</Shared><None>216</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>872540109</cusip><value>1898743</value><shrsOrPrnAmt><sshPrnamt>21363</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12088</Sole><Shared>0</Shared><None>9275</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>902973304</cusip><value>1997915</value><shrsOrPrnAmt><sshPrnamt>60433</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56427</Sole><Shared>0</Shared><None>4006</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United Health Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>91324P102</cusip><value>223860</value><shrsOrPrnAmt><sshPrnamt>444</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>415</Sole><Shared>0</Shared><None>29</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United Parcel Service Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>911312106</cusip><value>913554</value><shrsOrPrnAmt><sshPrnamt>5861</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5702</Sole><Shared>0</Shared><None>159</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard FTSE Developed Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>921943858</cusip><value>246974</value><shrsOrPrnAmt><sshPrnamt>5649</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5649</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard High Dividend Yield Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>921946406</cusip><value>393795</value><shrsOrPrnAmt><sshPrnamt>3811</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1395</Sole><Shared>0</Shared><None>2416</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Intermediate-Term Treasury</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C706</cusip><value>993381</value><shrsOrPrnAmt><sshPrnamt>17382</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17382</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Long-Term Corporate Bond</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C813</cusip><value>312120</value><shrsOrPrnAmt><sshPrnamt>4358</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4358</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Short Term Treasury ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C102</cusip><value>230400</value><shrsOrPrnAmt><sshPrnamt>4000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Total Stock Market Index</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908769</cusip><value>265513</value><shrsOrPrnAmt><sshPrnamt>1250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>343384</value><shrsOrPrnAmt><sshPrnamt>10595</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9510</Sole><Shared>0</Shared><None>1085</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>53347</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>298553</value><shrsOrPrnAmt><sshPrnamt>1298</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1202</Sole><Shared>0</Shared><None>96</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Walmart Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>841872</value><shrsOrPrnAmt><sshPrnamt>5264</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4914</Sole><Shared>0</Shared><None>350</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Welltower Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>95040Q104</cusip><value>329564</value><shrsOrPrnAmt><sshPrnamt>4023</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3904</Sole><Shared>0</Shared><None>119</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WestRock Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>96145D105</cusip><value>683959</value><shrsOrPrnAmt><sshPrnamt>19105</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18780</Sole><Shared>0</Shared><None>325</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Whirlpool Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>963320106</cusip><value>383318</value><shrsOrPrnAmt><sshPrnamt>2867</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2867</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WisdomTree US Total Dividend Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>97717W109</cusip><value>1636383</value><shrsOrPrnAmt><sshPrnamt>27196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24996</Sole><Shared>0</Shared><None>2200</None></votingAuthority></infoTable>
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