<SEC-DOCUMENT>0001074902-25-000020.txt : 20250512
<SEC-HEADER>0001074902-25-000020.hdr.sgml : 20250512
<ACCEPTANCE-DATETIME>20250512110534
ACCESSION NUMBER:		0001074902-25-000020
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250331
FILED AS OF DATE:		20250512
DATE AS OF CHANGE:		20250512
EFFECTIVENESS DATE:		20250512

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LCNB CORP
		CENTRAL INDEX KEY:			0001074902
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		25933522

	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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        <credentials>
          <cik>0001074902</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>03-31-2025</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>5139321414</phone>
      <signature>Bradley A. Ruppert</signature>
      <city>Lebanon</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>05-12-2025</signatureDate>
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      <tableValueTotal>271621838</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<infoTable><nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172062101</cusip><value>3460341</value><shrsOrPrnAmt><sshPrnamt>23425</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23425</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Cisco Systems Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>1061659</value><shrsOrPrnAmt><sshPrnamt>17204</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15809</Sole><Shared>0</Shared><None>1395</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Coca-Cola Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>1040495</value><shrsOrPrnAmt><sshPrnamt>14528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12555</Sole><Shared>0</Shared><None>1973</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>406195</value><shrsOrPrnAmt><sshPrnamt>11008</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9855</Sole><Shared>0</Shared><None>1153</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Costco Wholesale Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>22160K105</cusip><value>210909</value><shrsOrPrnAmt><sshPrnamt>223</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>223</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Dominion Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>25746U109</cusip><value>339111</value><shrsOrPrnAmt><sshPrnamt>6048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6048</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Duke Energy Holding Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26441C204</cusip><value>1409034</value><shrsOrPrnAmt><sshPrnamt>11552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9276</Sole><Shared>0</Shared><None>2276</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eastman Chemical Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>277432100</cusip><value>564080</value><shrsOrPrnAmt><sshPrnamt>6402</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6402</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eaton Corp.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G29183103</cusip><value>1177296</value><shrsOrPrnAmt><sshPrnamt>4331</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4151</Sole><Shared>0</Shared><None>180</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EBay Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278642103</cusip><value>243693</value><shrsOrPrnAmt><sshPrnamt>3598</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3598</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Ecolab Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278865100</cusip><value>219295</value><shrsOrPrnAmt><sshPrnamt>865</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>865</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>61943</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Eli Lilly Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>532457108</cusip><value>1480857</value><shrsOrPrnAmt><sshPrnamt>1793</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1793</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Emerson Electric Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>291011104</cusip><value>1020968</value><shrsOrPrnAmt><sshPrnamt>9312</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8997</Sole><Shared>0</Shared><None>315</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Enbridge Inc.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>626588</value><shrsOrPrnAmt><sshPrnamt>14141</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10433</Sole><Shared>0</Shared><None>3708</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Energy Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y506</cusip><value>556028</value><shrsOrPrnAmt><sshPrnamt>5950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EOG Resources Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26875P101</cusip><value>315214</value><shrsOrPrnAmt><sshPrnamt>2458</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2248</Sole><Shared>0</Shared><None>210</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30231G102</cusip><value>2322108</value><shrsOrPrnAmt><sshPrnamt>19525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11023</Sole><Shared>0</Shared><None>8502</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fed Ex Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>1332989</value><shrsOrPrnAmt><sshPrnamt>5468</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3938</Sole><Shared>0</Shared><None>1530</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fifth Third Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>316773100</cusip><value>620262</value><shrsOrPrnAmt><sshPrnamt>15823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15104</Sole><Shared>0</Shared><None>719</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Financial Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y605</cusip><value>333827</value><shrsOrPrnAmt><sshPrnamt>6702</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6702</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>First Financial Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>320209109</cusip><value>439548</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>3170999</value><shrsOrPrnAmt><sshPrnamt>49485</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>49485</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fiserv Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>337738108</cusip><value>350016</value><shrsOrPrnAmt><sshPrnamt>1585</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1585</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT Vest U.S. Equity Deep Buffer ETF - Oct</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33740F672</cusip><value>4382791</value><shrsOrPrnAmt><sshPrnamt>114284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>114284</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT Vest US Equity Deep Buffer ETF - April</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>33740U802</cusip><value>2570759</value><shrsOrPrnAmt><sshPrnamt>69060</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>69060</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE Aerospace</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369604301</cusip><value>256792</value><shrsOrPrnAmt><sshPrnamt>1283</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1158</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>467202</value><shrsOrPrnAmt><sshPrnamt>1714</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1701</Sole><Shared>0</Shared><None>13</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Mills Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>370334104</cusip><value>506959</value><shrsOrPrnAmt><sshPrnamt>8479</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8479</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Goldman Sachs Physical Gold ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>38150K103</cusip><value>361358</value><shrsOrPrnAmt><sshPrnamt>11702</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11702</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Grainger W W Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>384802104</cusip><value>301288</value><shrsOrPrnAmt><sshPrnamt>305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Graphic Packaging Holding Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>388689101</cusip><value>862625</value><shrsOrPrnAmt><sshPrnamt>33229</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33229</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>1187061</value><shrsOrPrnAmt><sshPrnamt>8130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>430</Sole><Shared>0</Shared><None>7700</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Hershey Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>427866108</cusip><value>1473937</value><shrsOrPrnAmt><sshPrnamt>8618</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>218</Sole><Shared>0</Shared><None>8400</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>1334024</value><shrsOrPrnAmt><sshPrnamt>3640</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3545</Sole><Shared>0</Shared><None>95</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516106</cusip><value>962192</value><shrsOrPrnAmt><sshPrnamt>4544</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4369</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>452308109</cusip><value>729397</value><shrsOrPrnAmt><sshPrnamt>2941</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1891</Sole><Shared>0</Shared><None>1050</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>458140100</cusip><value>453700</value><shrsOrPrnAmt><sshPrnamt>19978</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19318</Sole><Shared>0</Shared><None>660</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>International Business Machines Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459200101</cusip><value>1071973</value><shrsOrPrnAmt><sshPrnamt>4311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3948</Sole><Shared>0</Shared><None>363</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Interpublic Group of Companies</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>460690100</cusip><value>205438</value><shrsOrPrnAmt><sshPrnamt>7564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7564</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco QQQ Trust Series</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090E103</cusip><value>919083</value><shrsOrPrnAmt><sshPrnamt>1960</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1960</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Invesco S&amp;P 500 Downside Hedged ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090A705</cusip><value>4593708</value><shrsOrPrnAmt><sshPrnamt>125924</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>125924</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>3405529</value><shrsOrPrnAmt><sshPrnamt>19659</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19659</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>86615</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>303536</value><shrsOrPrnAmt><sshPrnamt>3669</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3669</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares 20 Year Treasury Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464287432</cusip><value>810167</value><shrsOrPrnAmt><sshPrnamt>8900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Biotechnology ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287556</cusip><value>210396</value><shrsOrPrnAmt><sshPrnamt>1645</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1645</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>1437902</value><shrsOrPrnAmt><sshPrnamt>2559</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2559</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>2336787</value><shrsOrPrnAmt><sshPrnamt>23623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23623</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>505764</value><shrsOrPrnAmt><sshPrnamt>5400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5400</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>242379</value><shrsOrPrnAmt><sshPrnamt>4491</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4491</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Inc. TR Core MSCI EAFE ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46432F842</cusip><value>17067094</value><shrsOrPrnAmt><sshPrnamt>225606</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>225606</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Intermediate Government-Credit Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464288612</cusip><value>1272240</value><shrsOrPrnAmt><sshPrnamt>12000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares MSCI India ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>46429B598</cusip><value>2831297</value><shrsOrPrnAmt><sshPrnamt>54998</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>54998</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287622</cusip><value>572070</value><shrsOrPrnAmt><sshPrnamt>1865</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1865</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>386557</value><shrsOrPrnAmt><sshPrnamt>1071</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>1063</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P 500 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287408</cusip><value>327798</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>1991486</value><shrsOrPrnAmt><sshPrnamt>34130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Core S&amp;P Small Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287804</cusip><value>1286943</value><shrsOrPrnAmt><sshPrnamt>12307</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12307</Sole><Shared>0</Shared><None>0</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>4105637</value><shrsOrPrnAmt><sshPrnamt>33650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33650</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>862415</value><shrsOrPrnAmt><sshPrnamt>10552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10552</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR MSCI Emerging Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287234</cusip><value>289818</value><shrsOrPrnAmt><sshPrnamt>6632</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6632</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>1034755</value><shrsOrPrnAmt><sshPrnamt>5187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5187</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell 3000 ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287689</cusip><value>7070031</value><shrsOrPrnAmt><sshPrnamt>22258</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22108</Sole><Shared>0</Shared><None>150</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Russell Mid Cap ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287499</cusip><value>1914153</value><shrsOrPrnAmt><sshPrnamt>22501</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19513</Sole><Shared>0</Shared><None>2988</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Select Dividend ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>263880</value><shrsOrPrnAmt><sshPrnamt>1965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1965</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>227076</value><shrsOrPrnAmt><sshPrnamt>2385</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2385</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>243560</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>Johnson &amp; Johnson</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>478160104</cusip><value>2187098</value><shrsOrPrnAmt><sshPrnamt>13188</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11623</Sole><Shared>0</Shared><None>1565</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP Morgan Chase Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>3008605</value><shrsOrPrnAmt><sshPrnamt>12265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10527</Sole><Shared>0</Shared><None>1738</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Juniper Networks Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>48203R104</cusip><value>384519</value><shrsOrPrnAmt><sshPrnamt>10625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>501044101</cusip><value>1217811</value><shrsOrPrnAmt><sshPrnamt>17991</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17991</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lam Research Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>512807306</cusip><value>1481626</value><shrsOrPrnAmt><sshPrnamt>20380</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20380</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>3375403</value><shrsOrPrnAmt><sshPrnamt>228222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>228222</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>4079674</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>Leggett &amp; Platt Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>524660107</cusip><value>247132</value><shrsOrPrnAmt><sshPrnamt>31243</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31243</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>1030560</value><shrsOrPrnAmt><sshPrnamt>2307</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2307</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lowes Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>2121460</value><shrsOrPrnAmt><sshPrnamt>9096</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7056</Sole><Shared>0</Shared><None>2040</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Marathon Petroleum Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>56585A102</cusip><value>277248</value><shrsOrPrnAmt><sshPrnamt>1903</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1903</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mastercard Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>57636Q104</cusip><value>1173525</value><shrsOrPrnAmt><sshPrnamt>2141</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1221</Sole><Shared>0</Shared><None>920</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McCormick Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>579780206</cusip><value>382165</value><shrsOrPrnAmt><sshPrnamt>4643</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4143</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McDonalds Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>580135101</cusip><value>1596835</value><shrsOrPrnAmt><sshPrnamt>5112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3723</Sole><Shared>0</Shared><None>1389</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Medtronic PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>693090</value><shrsOrPrnAmt><sshPrnamt>7713</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7713</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Merck and Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>2578805</value><shrsOrPrnAmt><sshPrnamt>28730</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27918</Sole><Shared>0</Shared><None>812</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Meta Platforms Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30303M102</cusip><value>482990</value><shrsOrPrnAmt><sshPrnamt>838</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>545</Sole><Shared>0</Shared><None>293</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Microsoft Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>594918104</cusip><value>9412992</value><shrsOrPrnAmt><sshPrnamt>25075</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19131</Sole><Shared>0</Shared><None>5944</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mondelez International Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>627409</value><shrsOrPrnAmt><sshPrnamt>9247</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8797</Sole><Shared>0</Shared><None>450</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Morgan Stanley</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>617446448</cusip><value>239174</value><shrsOrPrnAmt><sshPrnamt>2050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>New Linde PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G54950103</cusip><value>768306</value><shrsOrPrnAmt><sshPrnamt>1650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>178</Sole><Shared>0</Shared><None>1472</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NextEra Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>712515</value><shrsOrPrnAmt><sshPrnamt>10051</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10051</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>654106103</cusip><value>546563</value><shrsOrPrnAmt><sshPrnamt>8610</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7176</Sole><Shared>0</Shared><None>1434</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>655844108</cusip><value>358354</value><shrsOrPrnAmt><sshPrnamt>1513</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1250</Sole><Shared>0</Shared><None>263</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Novartis AG ADR</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>66987V109</cusip><value>1047466</value><shrsOrPrnAmt><sshPrnamt>9396</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7530</Sole><Shared>0</Shared><None>1866</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nvidia Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>3964540</value><shrsOrPrnAmt><sshPrnamt>36580</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16580</Sole><Shared>0</Shared><None>20000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NXP Semiconductors </nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>N6596X109</cusip><value>323292</value><shrsOrPrnAmt><sshPrnamt>1701</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1701</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Omnicom Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>681919106</cusip><value>201886</value><shrsOrPrnAmt><sshPrnamt>2435</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2435</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Oracle Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>735820</value><shrsOrPrnAmt><sshPrnamt>5263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3967</Sole><Shared>0</Shared><None>1296</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>2449120</value><shrsOrPrnAmt><sshPrnamt>16334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8240</Sole><Shared>0</Shared><None>8094</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pfizer Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>338112</value><shrsOrPrnAmt><sshPrnamt>13343</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12743</Sole><Shared>0</Shared><None>600</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Phillips 66</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>394395</value><shrsOrPrnAmt><sshPrnamt>3194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3194</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PNC Financial Services Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>693475105</cusip><value>362789</value><shrsOrPrnAmt><sshPrnamt>2064</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1913</Sole><Shared>0</Shared><None>151</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>272672</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>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>13609400</value><shrsOrPrnAmt><sshPrnamt>79858</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>73167</Sole><Shared>0</Shared><None>6691</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Prudential Financial Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>744320102</cusip><value>582300</value><shrsOrPrnAmt><sshPrnamt>5214</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5214</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>942771</value><shrsOrPrnAmt><sshPrnamt>7117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4727</Sole><Shared>0</Shared><None>2390</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab Strategic US TIPS ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>808524870</cusip><value>1058444</value><shrsOrPrnAmt><sshPrnamt>39362</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>39016</Sole><Shared>0</Shared><None>346</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524797</cusip><value>628681</value><shrsOrPrnAmt><sshPrnamt>22485</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22485</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>12748265</value><shrsOrPrnAmt><sshPrnamt>509116</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>509116</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524409</cusip><value>12683258</value><shrsOrPrnAmt><sshPrnamt>477173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>477173</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Large-Cap</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524201</cusip><value>466462</value><shrsOrPrnAmt><sshPrnamt>21126</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21126</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab US Mid-Cap</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524508</cusip><value>201216</value><shrsOrPrnAmt><sshPrnamt>7680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7680</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>83088M102</cusip><value>466629</value><shrsOrPrnAmt><sshPrnamt>7220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7220</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Southern Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>842587107</cusip><value>578840</value><shrsOrPrnAmt><sshPrnamt>6295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6272</Sole><Shared>0</Shared><None>23</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Gold TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>1680432</value><shrsOrPrnAmt><sshPrnamt>5832</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5395</Sole><Shared>0</Shared><None>437</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Portfolio Intermediate Term Corporate Bond</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>78464A375</cusip><value>281377</value><shrsOrPrnAmt><sshPrnamt>8465</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8465</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Trust ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>5598935</value><shrsOrPrnAmt><sshPrnamt>10009</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9604</Sole><Shared>0</Shared><None>405</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Value</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78464A508</cusip><value>319188</value><shrsOrPrnAmt><sshPrnamt>6250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>6250</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>882909</value><shrsOrPrnAmt><sshPrnamt>1655</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1655</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Starbucks Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>1018959</value><shrsOrPrnAmt><sshPrnamt>10388</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10388</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Stryker Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>863667101</cusip><value>365922</value><shrsOrPrnAmt><sshPrnamt>983</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>983</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Sysco Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>871829107</cusip><value>449114</value><shrsOrPrnAmt><sshPrnamt>5985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5710</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>258614</value><shrsOrPrnAmt><sshPrnamt>2815</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2815</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Taiwan Semiconductor MFG Ltd</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>874039100</cusip><value>261118</value><shrsOrPrnAmt><sshPrnamt>1573</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1398</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Target Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>87612E106</cusip><value>244307</value><shrsOrPrnAmt><sshPrnamt>2341</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2178</Sole><Shared>0</Shared><None>163</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Technology Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>2506667</value><shrsOrPrnAmt><sshPrnamt>12140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1790</Sole><Shared>0</Shared><None>10350</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>882508104</cusip><value>280691</value><shrsOrPrnAmt><sshPrnamt>1562</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1161</Sole><Shared>0</Shared><None>401</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>872540109</cusip><value>1961102</value><shrsOrPrnAmt><sshPrnamt>16101</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9644</Sole><Shared>0</Shared><None>6457</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tractor Supply Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>892356106</cusip><value>272745</value><shrsOrPrnAmt><sshPrnamt>4950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>902973304</cusip><value>2666404</value><shrsOrPrnAmt><sshPrnamt>63155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36010</Sole><Shared>0</Shared><None>27145</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Union Pacific Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>907818108</cusip><value>355305</value><shrsOrPrnAmt><sshPrnamt>1504</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1378</Sole><Shared>0</Shared><None>126</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United Health Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>91324P102</cusip><value>252971</value><shrsOrPrnAmt><sshPrnamt>483</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>436</Sole><Shared>0</Shared><None>47</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>United Parcel Service Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>911312106</cusip><value>270025</value><shrsOrPrnAmt><sshPrnamt>2455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard FTSE Developed Markets ETF</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>921943858</cusip><value>654945</value><shrsOrPrnAmt><sshPrnamt>12885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12885</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>491520</value><shrsOrPrnAmt><sshPrnamt>3811</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>710</Sole><Shared>0</Shared><None>3101</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Intermediate-Term Treasury</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C706</cusip><value>1266764</value><shrsOrPrnAmt><sshPrnamt>21326</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21326</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard International Equity Index Fund</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>922042858</cusip><value>323337</value><shrsOrPrnAmt><sshPrnamt>7144</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6600</Sole><Shared>0</Shared><None>544</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Long-Term Corporate Bond</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C813</cusip><value>378639</value><shrsOrPrnAmt><sshPrnamt>4988</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4988</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard S&amp;P 500 Index Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908363</cusip><value>1305331</value><shrsOrPrnAmt><sshPrnamt>2540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2540</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Short Term Treasury ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C102</cusip><value>880350</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>Vanguard Short-Term Corporate Bond Index</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C409</cusip><value>201218</value><shrsOrPrnAmt><sshPrnamt>2549</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2549</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Small-Cap Index Fund</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908751</cusip><value>422434</value><shrsOrPrnAmt><sshPrnamt>1905</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1905</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>343550</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>492474</value><shrsOrPrnAmt><sshPrnamt>10857</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9531</Sole><Shared>0</Shared><None>1326</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>74663</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>330484</value><shrsOrPrnAmt><sshPrnamt>943</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>645</Sole><Shared>0</Shared><None>298</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Walmart Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>1351966</value><shrsOrPrnAmt><sshPrnamt>15400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13954</Sole><Shared>0</Shared><None>1446</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEC Energy Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92939U106</cusip><value>252616</value><shrsOrPrnAmt><sshPrnamt>2318</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2218</Sole><Shared>0</Shared><None>100</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Welltower Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>95040Q104</cusip><value>552169</value><shrsOrPrnAmt><sshPrnamt>3604</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3604</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Whirlpool Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>963320106</cusip><value>460114</value><shrsOrPrnAmt><sshPrnamt>5105</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5105</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>1921211</value><shrsOrPrnAmt><sshPrnamt>24967</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24967</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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