<SEC-DOCUMENT>0001074902-25-000027.txt : 20251110
<SEC-HEADER>0001074902-25-000027.hdr.sgml : 20251110
<ACCEPTANCE-DATETIME>20251110160730
ACCESSION NUMBER:		0001074902-25-000027
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251110
DATE AS OF CHANGE:		20251110
EFFECTIVENESS DATE:		20251110

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:		251466205

	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>09-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2025</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>11-10-2025</signatureDate>
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    <summaryPage>
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      <tableEntryTotal>183</tableEntryTotal>
      <tableValueTotal>285817461</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>13F-HR.xml
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<infoTable><nameOfIssuer>Bristol-Myers Squibb Co</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>110122108</cusip><value>214225</value><shrsOrPrnAmt><sshPrnamt>4750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>C H Robinson Worldwide Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>12541W209</cusip><value>291942</value><shrsOrPrnAmt><sshPrnamt>2205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2205</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>305111</value><shrsOrPrnAmt><sshPrnamt>4096</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1917</Sole><Shared>0</Shared><None>2179</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Charles Schwab Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>808513105</cusip><value>726431</value><shrsOrPrnAmt><sshPrnamt>7609</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7609</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Chubb Ltd</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>H1467J104</cusip><value>1007915</value><shrsOrPrnAmt><sshPrnamt>3571</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2207</Sole><Shared>0</Shared><None>1364</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172062101</cusip><value>3665707</value><shrsOrPrnAmt><sshPrnamt>23186</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23186</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cintas Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172908105</cusip><value>759462</value><shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Cisco Systems Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>1064889</value><shrsOrPrnAmt><sshPrnamt>15564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14169</Sole><Shared>0</Shared><None>1395</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Citizens Financial Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>174610105</cusip><value>236030</value><shrsOrPrnAmt><sshPrnamt>4440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Coca-Cola Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>918466</value><shrsOrPrnAmt><sshPrnamt>13849</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11876</Sole><Shared>0</Shared><None>1973</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>378988</value><shrsOrPrnAmt><sshPrnamt>12062</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10909</Sole><Shared>0</Shared><None>1153</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Conocophillips </nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20825C104</cusip><value>203274</value><shrsOrPrnAmt><sshPrnamt>2149</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1873</Sole><Shared>0</Shared><None>276</None></votingAuthority></infoTable>
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<infoTable><nameOfIssuer>Danaher Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>235851102</cusip><value>362221</value><shrsOrPrnAmt><sshPrnamt>1827</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1827</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>1039431</value><shrsOrPrnAmt><sshPrnamt>9078</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8653</Sole><Shared>0</Shared><None>425</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Dominion Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>25746U109</cusip><value>340044</value><shrsOrPrnAmt><sshPrnamt>5559</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5559</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Donaldson Company, Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>257651109</cusip><value>202579</value><shrsOrPrnAmt><sshPrnamt>2475</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2475</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Duke Energy Holding Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26441C204</cusip><value>1404847</value><shrsOrPrnAmt><sshPrnamt>11352</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9076</Sole><Shared>0</Shared><None>2276</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eastman Chemical Company</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>277432100</cusip><value>451690</value><shrsOrPrnAmt><sshPrnamt>7164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7164</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Eaton Corp.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G29183103</cusip><value>1455084</value><shrsOrPrnAmt><sshPrnamt>3888</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3708</Sole><Shared>0</Shared><None>180</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EBay Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278642103</cusip><value>307320</value><shrsOrPrnAmt><sshPrnamt>3379</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3379</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Ecolab Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>278865100</cusip><value>236889</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>1350510</value><shrsOrPrnAmt><sshPrnamt>1770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1770</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Emerson Electric Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>291011104</cusip><value>1208824</value><shrsOrPrnAmt><sshPrnamt>9215</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8900</Sole><Shared>0</Shared><None>315</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Enbridge Inc.</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>711032</value><shrsOrPrnAmt><sshPrnamt>14091</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10383</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>331362</value><shrsOrPrnAmt><sshPrnamt>3709</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3709</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EOG Resources Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>26875P101</cusip><value>292409</value><shrsOrPrnAmt><sshPrnamt>2608</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2398</Sole><Shared>0</Shared><None>210</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30231G102</cusip><value>1443877</value><shrsOrPrnAmt><sshPrnamt>12806</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10704</Sole><Shared>0</Shared><None>2102</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fed Ex Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>890890</value><shrsOrPrnAmt><sshPrnamt>3778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3748</Sole><Shared>0</Shared><None>30</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fifth Third Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>316773100</cusip><value>648113</value><shrsOrPrnAmt><sshPrnamt>14548</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13829</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>361037</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>425362</value><shrsOrPrnAmt><sshPrnamt>16846</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16846</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>4075217</value><shrsOrPrnAmt><sshPrnamt>58259</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>58259</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Fiserv Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>337738108</cusip><value>204354</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>5366171</value><shrsOrPrnAmt><sshPrnamt>124208</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>124208</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>1212305</value><shrsOrPrnAmt><sshPrnamt>31378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE Aerospace</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369604301</cusip><value>375122</value><shrsOrPrnAmt><sshPrnamt>1247</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1122</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>596409</value><shrsOrPrnAmt><sshPrnamt>1749</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1736</Sole><Shared>0</Shared><None>13</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>General Mills Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>370334104</cusip><value>376436</value><shrsOrPrnAmt><sshPrnamt>7466</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7466</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>401747</value><shrsOrPrnAmt><sshPrnamt>10539</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10539</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Grainger W W Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>384802104</cusip><value>290653</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>647180</value><shrsOrPrnAmt><sshPrnamt>33070</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33070</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>1466788</value><shrsOrPrnAmt><sshPrnamt>3620</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3525</Sole><Shared>0</Shared><None>95</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516106</cusip><value>903677</value><shrsOrPrnAmt><sshPrnamt>4293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4118</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>452308109</cusip><value>727520</value><shrsOrPrnAmt><sshPrnamt>2790</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1740</Sole><Shared>0</Shared><None>1050</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>458140100</cusip><value>390119</value><shrsOrPrnAmt><sshPrnamt>11628</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11128</Sole><Shared>0</Shared><None>500</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>International Business Machines Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459200101</cusip><value>1324177</value><shrsOrPrnAmt><sshPrnamt>4693</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4330</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>1088471</value><shrsOrPrnAmt><sshPrnamt>1813</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1813</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>681213</value><shrsOrPrnAmt><sshPrnamt>3591</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3591</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>295752</value><shrsOrPrnAmt><sshPrnamt>3565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3565</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>558563</value><shrsOrPrnAmt><sshPrnamt>6250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Biotechnology ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287556</cusip><value>237489</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>1317852</value><shrsOrPrnAmt><sshPrnamt>1969</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1969</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>2454521</value><shrsOrPrnAmt><sshPrnamt>24484</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24484</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>489971</value><shrsOrPrnAmt><sshPrnamt>5150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares Floating Rate Bond ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>46429B655</cusip><value>329703</value><shrsOrPrnAmt><sshPrnamt>6454</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6454</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>285895</value><shrsOrPrnAmt><sshPrnamt>4337</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4337</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>20014508</value><shrsOrPrnAmt><sshPrnamt>229235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>229235</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>2867309</value><shrsOrPrnAmt><sshPrnamt>55077</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55077</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>937456</value><shrsOrPrnAmt><sshPrnamt>2565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2565</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>493952</value><shrsOrPrnAmt><sshPrnamt>1055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>1047</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares S&amp;P 500 Value ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287408</cusip><value>355197</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>2046227</value><shrsOrPrnAmt><sshPrnamt>31355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31355</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>1385439</value><shrsOrPrnAmt><sshPrnamt>11659</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11659</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>218475</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1500</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>894858</value><shrsOrPrnAmt><sshPrnamt>9584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9584</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>318584</value><shrsOrPrnAmt><sshPrnamt>5966</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5966</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>1225285</value><shrsOrPrnAmt><sshPrnamt>5064</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5064</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>8201398</value><shrsOrPrnAmt><sshPrnamt>21643</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21493</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>2208187</value><shrsOrPrnAmt><sshPrnamt>22871</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19917</Sole><Shared>0</Shared><None>2954</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IShares TR Select Dividend ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>288037</value><shrsOrPrnAmt><sshPrnamt>2027</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2027</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>245066</value><shrsOrPrnAmt><sshPrnamt>2285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2285</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>234880</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>2379866</value><shrsOrPrnAmt><sshPrnamt>12835</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11270</Sole><Shared>0</Shared><None>1565</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Johnson Controls International PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G51502105</cusip><value>221329</value><shrsOrPrnAmt><sshPrnamt>2013</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2013</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP Morgan Chase Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>3644794</value><shrsOrPrnAmt><sshPrnamt>11555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9817</Sole><Shared>0</Shared><None>1738</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>501044101</cusip><value>1175428</value><shrsOrPrnAmt><sshPrnamt>17437</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17437</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lam Research Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>512807306</cusip><value>2889428</value><shrsOrPrnAmt><sshPrnamt>21579</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21579</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>3389959</value><shrsOrPrnAmt><sshPrnamt>226148</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>226148</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LCNB Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>50181P100</cusip><value>4134842</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>168720</value><shrsOrPrnAmt><sshPrnamt>19000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>1076796</value><shrsOrPrnAmt><sshPrnamt>2157</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2157</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Lowes Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>2248973</value><shrsOrPrnAmt><sshPrnamt>8949</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6909</Sole><Shared>0</Shared><None>2040</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Marathon Petroleum Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>56585A102</cusip><value>366784</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>1068225</value><shrsOrPrnAmt><sshPrnamt>1878</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>958</Sole><Shared>0</Shared><None>920</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>McCormick Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>579780206</cusip><value>310663</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>1511245</value><shrsOrPrnAmt><sshPrnamt>4973</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3584</Sole><Shared>0</Shared><None>1389</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Medtronic PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>692585</value><shrsOrPrnAmt><sshPrnamt>7272</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7272</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Merck and Co Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>2460492</value><shrsOrPrnAmt><sshPrnamt>29316</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28504</Sole><Shared>0</Shared><None>812</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Meta Platforms Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30303M102</cusip><value>615410</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>12680967</value><shrsOrPrnAmt><sshPrnamt>24483</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18539</Sole><Shared>0</Shared><None>5944</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Mondelez International Inc</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>613955</value><shrsOrPrnAmt><sshPrnamt>9828</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9378</Sole><Shared>0</Shared><None>450</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Morgan Stanley</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>617446448</cusip><value>302024</value><shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1900</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>743375</value><shrsOrPrnAmt><sshPrnamt>1565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>128</Sole><Shared>0</Shared><None>1437</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NextEra Energy Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>757467</value><shrsOrPrnAmt><sshPrnamt>10034</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10034</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>654106103</cusip><value>495920</value><shrsOrPrnAmt><sshPrnamt>7112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7078</Sole><Shared>0</Shared><None>34</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>655844108</cusip><value>574084</value><shrsOrPrnAmt><sshPrnamt>1911</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1648</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>1183783</value><shrsOrPrnAmt><sshPrnamt>9231</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7365</Sole><Shared>0</Shared><None>1866</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Nvidia Corp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>6484588</value><shrsOrPrnAmt><sshPrnamt>34755</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14755</Sole><Shared>0</Shared><None>20000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NXP Semiconductors </nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>N6596X109</cusip><value>350932</value><shrsOrPrnAmt><sshPrnamt>1541</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1541</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Oracle Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>1482979</value><shrsOrPrnAmt><sshPrnamt>5273</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3977</Sole><Shared>0</Shared><None>1296</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>1448077</value><shrsOrPrnAmt><sshPrnamt>10311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7982</Sole><Shared>0</Shared><None>2329</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Pfizer Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>299314</value><shrsOrPrnAmt><sshPrnamt>11747</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11238</Sole><Shared>0</Shared><None>509</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Phillips 66</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>409284</value><shrsOrPrnAmt><sshPrnamt>3009</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3009</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>409696</value><shrsOrPrnAmt><sshPrnamt>2039</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1888</Sole><Shared>0</Shared><None>151</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>245840</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>9161996</value><shrsOrPrnAmt><sshPrnamt>59629</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52965</Sole><Shared>0</Shared><None>6664</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Prudential Financial Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>744320102</cusip><value>516521</value><shrsOrPrnAmt><sshPrnamt>4979</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4979</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Qualcomm Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>747525103</cusip><value>287636</value><shrsOrPrnAmt><sshPrnamt>1729</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1695</Sole><Shared>0</Shared><None>34</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Regions Financial Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>7591EP100</cusip><value>272534</value><shrsOrPrnAmt><sshPrnamt>10335</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10335</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX Corporation</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>1179342</value><shrsOrPrnAmt><sshPrnamt>7048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4661</Sole><Shared>0</Shared><None>2387</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Schwab Strategic US TIPS ETF</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>808524870</cusip><value>1060806</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 Large Cap Growth ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>808524300</cusip><value>20638686</value><shrsOrPrnAmt><sshPrnamt>646778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>646778</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>19010518</value><shrsOrPrnAmt><sshPrnamt>653058</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>653058</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>556459</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>227635</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>512841</value><shrsOrPrnAmt><sshPrnamt>6662</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6662</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Southern Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>842587107</cusip><value>534111</value><shrsOrPrnAmt><sshPrnamt>5636</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5617</Sole><Shared>0</Shared><None>19</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR Gold TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>1948687</value><shrsOrPrnAmt><sshPrnamt>5482</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5045</Sole><Shared>0</Shared><None>437</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 Trust ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>6442627</value><shrsOrPrnAmt><sshPrnamt>9671</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9266</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>345813</value><shrsOrPrnAmt><sshPrnamt>6250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</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>858283</value><shrsOrPrnAmt><sshPrnamt>1440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Starbucks Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>844985</value><shrsOrPrnAmt><sshPrnamt>9988</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9988</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Stryker Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>863667101</cusip><value>333812</value><shrsOrPrnAmt><sshPrnamt>903</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>903</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Sysco Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>871829107</cusip><value>488194</value><shrsOrPrnAmt><sshPrnamt>5929</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5654</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>273330</value><shrsOrPrnAmt><sshPrnamt>2663</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2663</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>615276</value><shrsOrPrnAmt><sshPrnamt>2203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2028</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Technology Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>504529</value><shrsOrPrnAmt><sshPrnamt>1790</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1790</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>882508104</cusip><value>263836</value><shrsOrPrnAmt><sshPrnamt>1436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1035</Sole><Shared>0</Shared><None>401</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>872540109</cusip><value>2226061</value><shrsOrPrnAmt><sshPrnamt>15401</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9144</Sole><Shared>0</Shared><None>6257</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Tractor Supply Co.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>892356106</cusip><value>283440</value><shrsOrPrnAmt><sshPrnamt>4984</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4984</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>902973304</cusip><value>1854229</value><shrsOrPrnAmt><sshPrnamt>38366</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35221</Sole><Shared>0</Shared><None>3145</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Union Pacific Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>907818108</cusip><value>367083</value><shrsOrPrnAmt><sshPrnamt>1553</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1448</Sole><Shared>0</Shared><None>105</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Utilities Select Sector SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y886</cusip><value>228926</value><shrsOrPrnAmt><sshPrnamt>2625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2325</Sole><Shared>0</Shared><None>300</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Dividend Appreciation ETF</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>921908844</cusip><value>1274672</value><shrsOrPrnAmt><sshPrnamt>5907</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5907</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>642582</value><shrsOrPrnAmt><sshPrnamt>10724</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10724</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>531440</value><shrsOrPrnAmt><sshPrnamt>3770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>710</Sole><Shared>0</Shared><None>3060</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Intermediate-Term Treasury</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>92206C706</cusip><value>1283802</value><shrsOrPrnAmt><sshPrnamt>21386</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21386</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>381590</value><shrsOrPrnAmt><sshPrnamt>7043</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6499</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>403004</value><shrsOrPrnAmt><sshPrnamt>5190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5190</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>1042883</value><shrsOrPrnAmt><sshPrnamt>1703</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1703</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>476775</value><shrsOrPrnAmt><sshPrnamt>1875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1875</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Vanguard Tax-Exempt Bond Index</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>922907746</cusip><value>273783</value><shrsOrPrnAmt><sshPrnamt>5468</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5468</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>424324</value><shrsOrPrnAmt><sshPrnamt>1293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1293</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>455454</value><shrsOrPrnAmt><sshPrnamt>10363</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9106</Sole><Shared>0</Shared><None>1257</None></votingAuthority></infoTable><infoTable><nameOfIssuer>Verizon Communications Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>72342</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>306901</value><shrsOrPrnAmt><sshPrnamt>899</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>616</Sole><Shared>0</Shared><None>283</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Walmart Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>1484064</value><shrsOrPrnAmt><sshPrnamt>14400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12954</Sole><Shared>0</Shared><None>1446</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEC Energy Group Inc.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92939U106</cusip><value>265620</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>635247</value><shrsOrPrnAmt><sshPrnamt>3566</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3566</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>Whirlpool Corp.</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>963320106</cusip><value>347569</value><shrsOrPrnAmt><sshPrnamt>4422</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4422</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>2804172</value><shrsOrPrnAmt><sshPrnamt>33383</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33383</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
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