LCNB 13FHR Quarterly holdings report by institutional manager | LCNB 12 Nov 24

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Co.	Common Stock	88579Y101	519,460	3,800	SH		SOLE		3,800	0	0
Abbott Laboratories	Common Stock	002824100	1,805,576	15,837	SH		SOLE		9,968	0	5,869
Abbvie Inc.	Common Stock	00287Y109	1,433,994	7,261	SH		SOLE		3,732	0	3,529
Accenture PLC	Int'l Common Stock	G1151C101	1,391,651	3,937	SH		SOLE		2,206	0	1,731
Aflac Inc.	Common Stock	001055102	203,588	1,821	SH		SOLE		1,821	0	0
Air Products & Chemicals Inc	Common Stock	009158106	265,882	893	SH		SOLE		801	0	92
Alphabet Inc.	Common Stock	02079K107	3,816,230	22,826	SH		SOLE		17,638	0	5,188
Alphabet Inc.	Common Stock	02079K305	3,628,135	21,876	SH		SOLE		18,787	0	3,089
Amazon.com Inc	Common Stock	023135106	2,164,782	11,618	SH		SOLE		11,618	0	0
American Express Co.	Common Stock	025816109	450,734	1,662	SH		SOLE		1,450	0	212
Amgen Inc.	Common Stock	031162100	2,294,780	7,122	SH		SOLE		4,759	0	2,363
Analog Devices Inc.	Common Stock	032654105	798,230	3,468	SH		SOLE		1,776	0	1,692
Apple Inc.	Common Stock	037833100	7,784,763	33,411	SH		SOLE		21,859	0	11,552
Applied Materials	Common Stock	038222105	331,362	1,640	SH		SOLE		1,640	0	0
Automatic Data Processing	Common Stock	053015103	1,367,600	4,942	SH		SOLE		3,090	0	1,852
Bank of America Corp.	Common Stock	060505104	357,437	9,008	SH		SOLE		9,008	0	0
Becton Dickinson and Co.	Common Stock	075887109	697,985	2,895	SH		SOLE		2,895	0	0
Berkshire Hathaway Inc.	Common Stock	084670702	2,078,994	4,517	SH		SOLE		1,846	0	2,671
Blackrock Inc.	Common Stock	09247X101	367,460	387	SH		SOLE		334	0	53
Blackstone Inc.	Common Stock	09260D107	1,123,362	7,336	SH		SOLE		7,336	0	0
Block Inc	Common Stock	852234103	656,867	9,785	SH		SOLE		9,785	0	0
Boeing Co.	Common Stock	097023105	597,061	3,927	SH		SOLE		3,477	0	450
Booking Holdings Inc.	Common Stock	09857L108	303,273	72	SH		SOLE		72	0	0
Bristol-Myers Squibb Co	Common Stock	110122108	248,921	4,811	SH		SOLE		4,811	0	0
Broadcom Ltd.	Common Stock	11135F101	4,170,188	24,175	SH		SOLE		24,175	0	0
C H Robinson Worldwide Inc.	Common Stock	12541W209	302,966	2,745	SH		SOLE		2,745	0	0
Canadian Pacific Kansas City Limited	Int'l Common Stock	13646K108	350,372	4,096	SH		SOLE		1,917	0	2,179
Cardinal Health Inc.	Common Stock	14149Y108	625,543	5,660	SH		SOLE		5,660	0	0
Caterpillar Inc.	Common Stock	149123101	773,244	1,977	SH		SOLE		1,977	0	0
Charles Schwab Corp.	Common Stock	808513105	446,022	6,882	SH		SOLE		6,882	0	0
Chevron Corporation	Common Stock	166764100	3,070,432	20,849	SH		SOLE		10,129	0	10,720
Chubb Ltd	Common Stock	H1467J104	1,012,537	3,511	SH		SOLE		2,147	0	1,364
Cincinnati Financial Corp	Common Stock	172062101	3,319,967	24,390	SH		SOLE		24,390	0	0
Cintas Corp.	Common Stock	172908105	774,109	3,760	SH		SOLE		3,760	0	0
Cisco Systems Inc.	Common Stock	17275R102	928,955	17,455	SH		SOLE		16,060	0	1,395
Coca-Cola Company	Common Stock	191216100	1,005,537	13,993	SH		SOLE		11,884	0	2,109
Comcast Corp.	Common Stock	20030N101	400,908	9,598	SH		SOLE		8,325	0	1,273
Conocophillips	Common Stock	20825C104	217,508	2,066	SH		SOLE		1,790	0	276
Corning Inc.	Common Stock	219350105	850,852	18,845	SH		SOLE		18,845	0	0
Costco Wholesale Corp	Common Stock	22160K105	214,538	242	SH		SOLE		242	0	0
Cullen Frost Bankers Inc	Common Stock	229899109	405,493	3,625	SH		SOLE		1,000	0	2,625
Cummins Inc.	Common Stock	231021106	345,484	1,067	SH		SOLE		1,017	0	50
Danaher Corp.	Common Stock	235851102	474,302	1,706	SH		SOLE		1,706	0	0
Deere & Co.	Common Stock	244199105	1,047,498	2,510	SH		SOLE		1,784	0	726
Disney Walt Co.	Common Stock	254687106	923,135	9,597	SH		SOLE		8,402	0	1,195
Dominion Energy Inc.	Common Stock	25746U109	336,800	5,828	SH		SOLE		5,828	0	0
Duke Energy Holding Corp.	Common Stock	26441C204	1,319,297	11,442	SH		SOLE		9,166	0	2,276
DuPont de Nemours Inc.	Common Stock	26614N102	217,607	2,442	SH		SOLE		435	0	2,007
Eastman Chemical Company	Common Stock	277432100	707,748	6,322	SH		SOLE		6,322	0	0
Eaton Corp.	Int'l Common Stock	G29183103	1,492,806	4,504	SH		SOLE		4,324	0	180
EBay Inc.	Common Stock	278642103	234,266	3,598	SH		SOLE		3,598	0	0
Ecolab Inc.	Common Stock	278865100	220,860	865	SH		SOLE		865	0	0
Eli Lilly Co.	Common Stock	532457108	132,891	150	SH		OTR		150	0	0
Eli Lilly Co.	Common Stock	532457108	1,684,172	1,901	SH		SOLE		1,901	0	0
Emerson Electric Co.	Common Stock	291011104	1,008,282	9,219	SH		SOLE		8,904	0	315
Enbridge Inc.	Int'l Common Stock	29250N105	559,159	13,769	SH		SOLE		10,061	0	3,708
Energy Select Sector SPDR TR	Exchange Traded Fund	81369Y506	480,705	5,475	SH		SOLE		5,475	0	0
EOG Resources Inc.	Common Stock	26875P101	276,838	2,252	SH		SOLE		2,042	0	210
Exxon Mobil Corp.	Common Stock	30231G102	2,009,502	17,143	SH		SOLE		8,641	0	8,502
Fed Ex Corp.	Common Stock	31428X106	1,564,629	5,717	SH		SOLE		4,057	0	1,660
Fifth Third Bancorp	Common Stock	316773100	689,638	16,098	SH		SOLE		15,379	0	719
First Financial Bancorp	Common Stock	320209109	443,947	17,596	SH		SOLE		17,596	0	0
First Trust Long/Short Equity ETF	Exchange Traded Fund	33739P103	5,376,099	84,703	SH		SOLE		84,703	0	0
Fiserv Inc.	Common Stock	337738108	307,202	1,710	SH		SOLE		1,710	0	0
FT Vest U.S. Equity Deep Buffer ETF - Oct	Exchange Traded Fund	33740F672	1,363,503	34,935	SH		SOLE		34,935	0	0
FT Vest US Equity Deep Buffer ETF - April	Exchange Traded Fund	33740U802	2,299,480	63,034	SH		SOLE		63,034	0	0
General Dynamics Corp.	Common Stock	369550108	493,190	1,632	SH		SOLE		1,619	0	13
General Mills Inc.	Common Stock	370334104	633,781	8,582	SH		SOLE		8,582	0	0
Goldman Sachs Physical Gold ETF	Exchange Traded Fund	38150K103	304,544	11,702	SH		SOLE		11,702	0	0
Grainger W W Inc.	Common Stock	384802104	316,837	305	SH		SOLE		305	0	0
Graphic Packaging Holding Company	Common Stock	388689101	997,745	33,719	SH		SOLE		33,719	0	0
Health Care Select Sector SPDR TR	Exchange Traded Fund	81369Y209	1,252,183	8,130	SH		SOLE		430	0	7,700
Hershey Company	Common Stock	427866108	1,652,760	8,618	SH		SOLE		218	0	8,400
Home Depot Inc.	Common Stock	437076102	1,131,724	2,793	SH		SOLE		2,694	0	99
Honeywell International Inc.	Common Stock	438516106	961,408	4,651	SH		SOLE		4,372	0	279
Illinois Tool Works Inc.	Common Stock	452308109	725,672	2,769	SH		SOLE		1,719	0	1,050
Intel Corp.	Common Stock	458140100	521,445	22,227	SH		SOLE		21,368	0	859
International Business Machines Corp.	Common Stock	459200101	732,438	3,313	SH		SOLE		2,950	0	363
Interpublic Group of Companies	Common Stock	460690100	317,882	10,050	SH		SOLE		10,050	0	0
Invesco QQQ Trust Series	Exchange Traded Fund	46090E103	956,617	1,960	SH		SOLE		1,960	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	8,890,098	49,621	SH		SOLE		49,621	0	0
Invesco S&P 500 Equal Weight ETF	Exchange Traded Fund	46137V357	89,580	500	SH		OTR		500	0	0
IShares 1-3 Year Treasury Bond ETF	Fixed Income ETF	464287457	305,077	3,669	SH		SOLE		3,669	0	0
IShares 20 Year Treasury Bond ETF	Fixed Income ETF	464287432	5,609,750	57,184	SH		SOLE		57,184	0	0
IShares Biotechnology ETF	Exchange Traded Fund	464287556	239,512	1,645	SH		SOLE		1,645	0	0
IShares Core S&P 500 ETF	Exchange Traded Fund	464287200	1,475,506	2,558	SH		SOLE		2,558	0	0
IShares Core US Aggregate Bond Fund	Fixed Income ETF	464287226	2,371,642	23,419	SH		SOLE		23,419	0	0
IShares Edge MSCI Min Vol USA ETF	Exchange Traded Fund	46429B697	493,074	5,400	SH		SOLE		5,400	0	0
IShares Inc. Core MSCI Emerging Markets ETF	International Equity ETF	46434G103	261,273	4,551	SH		SOLE		4,551	0	0
IShares Inc. TR Core MSCI EAFE ETF	International Equity ETF	46432F842	17,286,436	221,479	SH		SOLE		221,479	0	0
IShares Intermediate Government-Credit Bond ETF	Fixed Income ETF	464288612	1,178,100	11,000	SH		SOLE		11,000	0	0
IShares MSCI India ETF	International Equity ETF	46429B598	3,111,572	53,162	SH		SOLE		53,162	0	0
iShares Russell 1000 ETF	Exchange Traded Fund	464287622	649,215	2,065	SH		SOLE		2,065	0	0
iShares Russell 1000 Growth ETF	Exchange Traded Fund	464287614	415,369	1,107	SH		SOLE		8	0	1,099
IShares S&P 500 Value ETF	Exchange Traded Fund	464287408	339,132	1,720	SH		SOLE		1,720	0	0
IShares TR Core S&P Mid Cap ETF	Exchange Traded Fund	464287507	2,009,197	32,240	SH		SOLE		32,240	0	0
IShares TR Core S&P Small Cap ETF	Exchange Traded Fund	464287804	1,353,578	11,573	SH		SOLE		11,573	0	0
IShares TR Core S&P Total US Stock Market ETF	Exchange Traded Fund	464287150	4,352,733	34,650	SH		SOLE		34,650	0	0
IShares TR MSCI EAFE ETF	International Equity ETF	464287465	852,524	10,194	SH		SOLE		10,194	0	0
IShares TR MSCI Emerging Markets ETF	International Equity ETF	464287234	267,456	5,832	SH		SOLE		5,832	0	0
IShares TR Russell 2000 ETF	Exchange Traded Fund	464287655	1,143,327	5,176	SH		SOLE		5,176	0	0
IShares TR Russell 3000 ETF	Exchange Traded Fund	464287689	7,287,059	22,303	SH		SOLE		22,153	0	150
IShares TR Russell Mid Cap ETF	Exchange Traded Fund	464287499	2,012,669	22,835	SH		SOLE		19,742	0	3,093
IShares TR Select Dividend ETF	Exchange Traded Fund	464287168	292,427	2,165	SH		SOLE		2,165	0	0
IShares TR US Home Construction ETF	Exchange Traded Fund	464288752	303,134	2,385	SH		SOLE		2,385	0	0
IShares US Healthcare ETF	Exchange Traded Fund	464287762	279,500	4,300	SH		SOLE		4,300	0	0
Johnson & Johnson	Common Stock	478160104	2,263,168	13,965	SH		SOLE		12,104	0	1,861
JP Morgan Chase Co.	Common Stock	46625H100	2,591,048	12,288	SH		SOLE		10,490	0	1,798
Juniper Networks Inc	Common Stock	48203R104	430,729	11,050	SH		SOLE		11,050	0	0
Kroger Co.	Common Stock	501044101	1,088,242	18,992	SH		SOLE		18,992	0	0
Lam Research Corp.	Common Stock	512807108	1,680,309	2,059	SH		SOLE		2,059	0	0
LCNB Corp.	Common Stock	50181P100	3,454,737	229,246	SH		SOLE		229,246	0	0
LCNB Corp.	Common Stock	50181P100	4,156,909	275,840	SH		OTR		275,840	0	0
Lockheed Martin Corp.	Common Stock	539830109	1,377,808	2,357	SH		SOLE		2,357	0	0
Lowes Co Inc.	Common Stock	548661107	2,687,374	9,922	SH		SOLE		7,302	0	2,620
Marathon Petroleum Corp.	Common Stock	56585A102	310,018	1,903	SH		SOLE		1,903	0	0
Mastercard Inc.	Common Stock	57636Q104	1,083,397	2,194	SH		SOLE		1,274	0	920
McCormick Co Inc.	Common Stock	579780206	382,119	4,643	SH		SOLE		4,143	0	500
McDonalds Corp.	Common Stock	580135101	1,539,907	5,057	SH		SOLE		3,640	0	1,417
Medtronic PLC	Int'l Common Stock	G5960L103	676,665	7,516	SH		SOLE		7,516	0	0
Merck and Co Inc.	Common Stock	58933Y105	2,175,015	19,153	SH		SOLE		18,341	0	812
Meta Platforms Inc	Common Stock	30303M102	482,567	843	SH		SOLE		548	0	295
Microsoft Corp.	Common Stock	594918104	10,251,438	23,824	SH		SOLE		17,828	0	5,996
Mondelez International Inc	Common Stock	609207105	678,869	9,215	SH		SOLE		8,748	0	467
Morgan Stanley	Common Stock	617446448	207,959	1,995	SH		SOLE		1,995	0	0
New Linde PLC	Int'l Common Stock	G54950103	787,773	1,652	SH		SOLE		160	0	1,492
NextEra Energy Inc.	Common Stock	65339F101	777,761	9,201	SH		SOLE		9,201	0	0
Nike Inc.	Common Stock	654106103	823,888	9,320	SH		SOLE		7,559	0	1,761
Norfolk Southern Corp.	Common Stock	655844108	405,055	1,630	SH		SOLE		1,167	0	463
Novartis AG ADR	Int'l Common Stock	66987V109	1,101,201	9,574	SH		SOLE		7,708	0	1,866
Nvidia Corp	Common Stock	67066G104	4,521,818	37,235	SH		SOLE		17,235	0	20,000
NXP Semiconductors	Int'l Common Stock	N6596X109	406,817	1,695	SH		SOLE		1,695	0	0
Omnicom Group Inc.	Common Stock	681919106	237,797	2,300	SH		SOLE		2,300	0	0
Oracle Corporation	Common Stock	68389X105	942,823	5,533	SH		SOLE		4,142	0	1,391
Pepsico Inc.	Common Stock	713448108	2,580,339	15,174	SH		SOLE		7,080	0	8,094
Pfizer Inc.	Common Stock	717081103	1,147,471	39,650	SH		SOLE		39,050	0	600
Phillips 66	Common Stock	718546104	430,104	3,272	SH		SOLE		3,272	0	0
PNC Financial Services Group Inc.	Common Stock	693475105	386,891	2,093	SH		SOLE		1,928	0	165
Polaris Inc	Common Stock	731068102	249,554	2,998	SH		SOLE		2,998	0	0
Procter & Gamble Co.	Common Stock	742718109	277,120	1,600	SH		OTR		1,600	0	0
Procter & Gamble Co.	Common Stock	742718109	13,702,718	79,115	SH		SOLE		72,414	0	6,701
Prudential Financial Inc.	Common Stock	744320102	640,498	5,289	SH		SOLE		5,289	0	0
RTX Corporation	Common Stock	75513E101	852,288	7,034	SH		SOLE		4,544	0	2,490
Schwab Strategic US TIPS ETF	Fixed Income ETF	808524870	1,055,492	19,681	SH		SOLE		19,508	0	173
Schwab US Dividend Equity ETF	Exchange Traded Fund	808524797	597,627	7,070	SH		SOLE		7,070	0	0
Schwab US Large Cap Growth ETF	Exchange Traded Fund	808524300	13,774,888	132,222	SH		SOLE		132,222	0	0
Schwab US Large Cap Value ETF	Exchange Traded Fund	808524409	12,848,109	159,862	SH		SOLE		159,862	0	0
Schwab US Large-Cap	Exchange Traded Fund	808524201	477,800	7,042	SH		SOLE		7,042	0	0
Schwab US Mid-Cap	Exchange Traded Fund	808524508	212,710	2,560	SH		SOLE		2,560	0	0
Skyworks Solutions Inc	Common Stock	83088M102	675,587	6,840	SH		SOLE		6,840	0	0
Southern Co.	Common Stock	842587107	537,668	5,962	SH		SOLE		5,939	0	23
SPDR Gold TR	Exchange Traded Fund	78463V107	1,429,679	5,882	SH		SOLE		5,445	0	437
SPDR S&P 500 Trust ETF	Exchange Traded Fund	78462F103	5,820,221	10,144	SH		SOLE		9,739	0	405
SPDR S&P 500 Value	Exchange Traded Fund	78464A508	264,300	5,000	SH		OTR		5,000	0	0
SPDR S&P Mid Cap 400 ETF TR	Exchange Traded Fund	78467Y107	991,208	1,740	SH		SOLE		1,740	0	0
SPDR S&P Regional Banking ETF	Exchange Traded Fund	78464A698	252,945	4,469	SH		SOLE		4,469	0	0
Starbucks Corp.	Common Stock	855244109	1,020,038	10,463	SH		SOLE		10,463	0	0
Stryker Corp.	Common Stock	863667101	351,145	972	SH		SOLE		972	0	0
Sysco Corp.	Common Stock	871829107	431,203	5,524	SH		SOLE		5,249	0	275
T Rowe Price Group Inc.	Common Stock	74144T108	239,101	2,195	SH		SOLE		2,195	0	0
Taiwan Semiconductor MFG Ltd	Int'l Common Stock	874039100	269,883	1,554	SH		SOLE		1,379	0	175
Target Corporation	Common Stock	87612E106	296,757	1,904	SH		SOLE		1,651	0	253
Technology Select Sector SPDR TR	Exchange Traded Fund	81369Y803	2,661,710	11,790	SH		SOLE		1,440	0	10,350
Tesla Inc.	Common Stock	88160R101	1,012,508	3,870	SH		SOLE		3,870	0	0
Texas Instruments Inc.	Common Stock	882508104	316,672	1,533	SH		SOLE		1,132	0	401
TJX Companies Inc.	Common Stock	872540109	1,978,903	16,836	SH		SOLE		9,204	0	7,632
Tractor Supply Co.	Common Stock	892356106	302,567	1,040	SH		SOLE		1,040	0	0
U.S. Bancorp	Common Stock	902973304	2,886,478	63,120	SH		SOLE		35,975	0	27,145
Union Pacific Corp.	Common Stock	907818108	210,001	852	SH		SOLE		701	0	151
United Health Group Inc.	Common Stock	91324P102	270,122	462	SH		SOLE		415	0	47
United Parcel Service Inc	Common Stock	911312106	375,344	2,753	SH		SOLE		2,720	0	33
Vanguard FTSE Developed Markets ETF	International Equity ETF	921943858	473,336	8,963	SH		SOLE		8,963	0	0
Vanguard High Dividend Yield Fund	Exchange Traded Fund	921946406	488,623	3,811	SH		SOLE		710	0	3,101
Vanguard Intermediate-Term Treasury	Fixed Income ETF	92206C706	1,229,003	20,341	SH		SOLE		20,341	0	0
Vanguard International Equity Index Fund	International Equity ETF	922042858	224,608	4,694	SH		SOLE		4,150	0	544
Vanguard Long-Term Corporate Bond	Fixed Income ETF	92206C813	391,041	4,814	SH		SOLE		4,814	0	0
Vanguard S&P 500 Index Fund	Exchange Traded Fund	922908363	918,146	1,740	SH		SOLE		1,740	0	0
Vanguard Short Term Treasury ETF	Fixed Income ETF	92206C102	885,300	15,000	SH		SOLE		15,000	0	0
Vanguard Total Stock Market Index	Exchange Traded Fund	922908769	353,950	1,250	SH		SOLE		1,250	0	0
Verizon Communications Inc.	Common Stock	92343V104	457,902	10,196	SH		SOLE		8,870	0	1,326
Verizon Communications Inc.	Common Stock	92343V104	73,922	1,646	SH		OTR		1,646	0	0
Visa Inc	Common Stock	92826C839	262,027	953	SH		SOLE		655	0	298
Walmart Inc.	Common Stock	931142103	1,234,183	15,284	SH		SOLE		13,697	0	1,587
WEC Energy Group Inc.	Common Stock	92939U106	218,425	2,271	SH		SOLE		2,171	0	100
Welltower Inc.	Common Stock	95040Q104	461,420	3,604	SH		SOLE		3,604	0	0
Whirlpool Corp.	Common Stock	963320106	427,465	3,995	SH		SOLE		3,995	0	0
WisdomTree US Total Dividend Fund	Exchange Traded Fund	97717W109	1,953,692	25,479	SH		SOLE		25,479	0	0

LCNB (LCNB) 13F-HRQuarterly holdings report by institutional manager