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
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 COM 88579Y101 1,240 7,091 SH   DFND   7,091 0 0
ACCENTURE SHS CLASS A G1151C101 649 2,486 SH   DFND   2,486 0 0
ALPHABET INC CAP STK CL A 02079K305 1,488 849 SH   DFND   849 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 2,132 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 372 12,918 SH   DFND   12,918 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,318 7,481 SH   DFND   7,481 0 0
Abbott Laboratories COM 002824100 411 3,755 SH   DFND   3,755 0 0
Aberdeen Closed End Funds/USA COM 003009107 2,807 630,813 SH   DFND   623,813 0 7,000
Adobe Inc COM 00724F101 552 1,104 SH   DFND   1,104 0 0
Alphabet Inc CAP STK CL C 02079K107 1,571 897 SH   DFND   897 0 0
Altria Group Inc COM 02209S103 224 5,446 SH   DFND   5,446 0 0
Amazon.com Inc COM 023135106 2,980 915 SH   DFND   915 0 0
American Water Works Co Inc COM 030420103 262 1,702 SH   DFND   1,702 0 0
Amphenol Corp CL A 032095101 492 3,766 SH   DFND   3,766 0 0
Aon PLC SHS CL A G0403H108 555 2,626 SH   DFND   2,626 0 0
Apple Inc COM 037833100 5,798 43,694 SH   DFND   43,694 0 0
AutoZone Inc COM 053332102 669 564 SH   DFND   564 0 0
BALL CORP COM 058498106 334 3,584 SH   DFND   3,584 0 0
BARRICK GOLD CORP COM 067901108 4,031 176,971 SH   DFND   176,971 0 0
BK OF AMERICA CORP COM 060505104 717 23,648 SH   DFND   23,648 0 0
BRISTOL-MYRS SQUIB COM 110122108 2,233 36,000 SH   DFND   36,000 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 7,513 182,046 SH   DFND   181,296 0 750
Bar Harbor Bankshares COM 066849100 8,784 388,858 SH   DFND   17,200 0 371,658
Berkshire Hathaway Inc CL B NEW 084670702 2,172 9,369 SH   DFND   9,369 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465 246 3,378 SH   DFND   3,378 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507 242 1,053 SH   DFND   1,053 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 349 3,455 SH   DFND   3,455 0 0
Booking Holdings Inc COM 09857L108 851 382 SH   DFND   382 0 0
Booz Allen Hamilton Holding Co CL A 099502106 5,691 65,276 SH   DFND   65,026 0 250
Brookfield Renewable Partners None 11284V105 300 5,138 SH   DFND   4,338 0 800
Brown & Brown Inc COM 115236101 6,947 146,529 SH   DFND   145,829 0 700
CDW Corp/DE COM 12514G108 607 4,604 SH   DFND   4,604 0 0
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,111 1,422,000 PRN   DFND   1,357,000 0 65,000
CHUBB LIMITED COM COM H1467J104 956 6,213 SH   DFND   6,213 0 0
CISCO SYSTEMS COM 17275R102 630 14,070 SH   DFND   14,070 0 0
COLGATE-PALMOLIVE COM 194162103 447 5,221 SH   DFND   5,221 0 0
CSX CORP COM 126408103 385 4,245 SH   DFND   245 0 4,000
CVS Health Corp COM 126650100 5,774 84,540 SH   DFND   83,940 0 600
Capri Holdings Ltd SHS G1890L107 991 23,591 SH   DFND   23,591 0 0
Caterpillar Inc COM 149123101 200 1,100 SH   DFND   1,100 0 0
Chevron Corp COM 166764100 975 11,547 SH   DFND   11,247 0 300
Clorox Co/The COM 189054109 325 1,610 SH   DFND   1,610 0 0
Coca-Cola Co/The COM 191216100 365 6,655 SH   DFND   6,655 0 0
Comcast Corp CL A 20030N101 8,309 158,578 SH   DFND   158,578 0 0
Costco Wholesale Corp COM 22160K105 862 2,287 SH   DFND   2,287 0 0
DOMINION RES(VIR) COM 25746U109 582 7,735 SH   DFND   7,735 0 0
Danaher Corp COM 235851102 998 4,492 SH   DFND   4,492 0 0
ECOLAB INC COM 278865100 281 1,297 SH   DFND   1,297 0 0
EMERSON ELECTRIC COM 291011104 990 12,316 SH   DFND   12,316 0 0
EQUITY COMMONWEALTH CUM PFD S D 6.5% 294628201 2,245 75,131 SH   DFND   75,131 0 0
Eli Lilly and Co COM 532457108 553 3,281 SH   DFND   3,281 0 0
Equity Commonwealth COM SH BEN INT 294628102 3,264 119,645 SH   DFND   118,645 0 1,000
Equity LifeStyle Properties In COM 29472R108 589 9,292 SH   DFND   9,292 0 0
Exxon Mobil Corp COM 30231G102 513 12,463 SH   DFND   12,463 0 0
FEDEX CORP COM 31428X106 11,627 44,784 SH   DFND   44,784 0 0
Fidelity National Information COM 31620M106 5,819 41,133 SH   DFND   41,133 0 0
General Mills Inc COM 370334104 8,698 147,926 SH   DFND   147,926 0 0
Gilead Sciences Inc COM 375558103 208 3,565 SH   DFND   3,565 0 0
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 4,752 28,813 SH   DFND   28,813 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 1,119 15,294 SH   DFND   15,294 0 0
Home Depot Inc/The COM 437076102 1,775 6,683 SH   DFND   6,683 0 0
IHS MARKIT LTD SHS G47567105 7,427 82,670 SH   DFND   82,270 0 400
INTERCONTINENTAL EXCHANGE COM 45866F104 5,484 47,565 SH   DFND   47,565 0 0
ISHARES CORE S&P500 ETF 464287200 316 842 SH   DFND   842 0 0
ISHARES IBOXX INV CP ETF 464287242 326 2,355 SH   DFND   2,355 0 0
ISHARES NASDAQ BIOTECH 464287556 491 3,241 SH   DFND   3,241 0 0
ISHARES RUSSELL 2000 ETF 464287655 569 2,902 SH   DFND   2,902 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 240 2,000 SH   DFND   2,000 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 237 3,773 SH   DFND   3,773 0 0
Insperity Inc COM 45778Q107 4,126 50,677 SH   DFND   50,677 0 0
Intel Corp COM 458140100 528 10,601 SH   DFND   10,601 0 0
JPMorgan Chase & Co COM 46625H100 1,223 9,626 SH   DFND   9,626 0 0
Johnson & Johnson COM 478160104 14,790 93,978 SH   DFND   92,978 0 1,000
Kinder Morgan Inc COM 49456B101 589 43,109 SH   DFND   43,109 0 0
KraneShares ETFs/USA None 500767736 4,265 152,485 SH   DFND   149,735 0 2,750
L3Harris Technologies Inc COM 502431109 609 3,222 SH   DFND   3,222 0 0
LIBERTY INTERACTIVE LLC DEB 3.500% 1/1 530715AN1 18 20,000 PRN   DFND   20,000 0 0
LOWE'S COS INC COM 548661107 321 2,000 SH   DFND   2,000 0 0
Leidos Holdings Inc COM 525327102 410 3,903 SH   DFND   3,903 0 0
Linde PLC SHS G5494J103 907 3,441 SH   DFND   3,441 0 0
MASTERCARD INC CL A 57636Q104 800 2,241 SH   DFND   2,241 0 0
MCDONALD'S CORP COM 580135101 902 4,204 SH   DFND   4,204 0 0
MICROSOFT CORP COM 594918104 9,056 40,716 SH   DFND   40,716 0 0
Merck & Co Inc COM 58933Y105 1,100 13,447 SH   DFND   13,447 0 0
NEXTERA ENERGY COM 65339F101 1,474 19,115 SH   DFND   19,115 0 0
NIKE INC CL B 654106103 1,022 7,226 SH   DFND   7,226 0 0
Norfolk Southern Corp COM 655844108 1,307 5,500 SH   DFND   5,500 0 0
Novo Holding A/S ADR 670100205 7,907 113,194 SH   DFND   112,794 0 400
Nuveen Closed-End Funds/USA COM 670928100 6,750 608,123 SH   DFND   589,623 0 18,500
PARKER-HANNIFIN COM 701094104 6,977 25,612 SH   DFND   25,612 0 0
PEPSICO INC COM 713448108 1,786 12,042 SH   DFND   11,442 0 600
PHILIP MORRIS INTL COM 718172109 419 5,054 SH   DFND   5,054 0 0
PayPal Holdings Inc COM 70450Y103 1,029 4,391 SH   DFND   4,391 0 0
People's United Financial Inc COM 712704105 495 38,246 SH   DFND   38,246 0 0
Procter & Gamble Co/The COM 742718109 2,036 14,636 SH   DFND   14,636 0 0
QUALCOMM INC COM 747525103 11,081 72,738 SH   DFND   72,538 0 200
Raytheon Technologies Corp COM 75513E101 822 11,501 SH   DFND   11,501 0 0
RenaissanceRe Holdings Ltd COM G7496G103 4,174 25,171 SH   DFND   25,021 0 150
S&P Global Inc COM 78409V104 455 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 7,250 1,011,166 SH   DFND   993,146 0 18,020
SBA Communications Corp CL A 78410G104 549 1,947 SH   DFND   1,947 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 224 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 408 3,853 SH   DFND   3,853 0 0
SSgA Funds Management Inc TR UNIT 78462F103 3,591 9,606 SH   DFND   9,606 0 0
Sea Ltd SPONSORD ADS 81141R100 249 1,250 SH   DFND   1,250 0 0
TJX Cos Inc/The COM 872540109 558 8,163 SH   DFND   8,163 0 0
Texas Pacific Land Trust SUB CTF PROP I T 882610108 8,375 11,520 SH   DFND   11,475 0 45
Thermo Fisher Scientific Inc COM 883556102 1,013 2,174 SH   DFND   2,174 0 0
Twitter Inc COM 90184L102 920 16,995 SH   DFND   16,995 0 0
Union Pacific Corp COM 907818108 843 4,046 SH   DFND   4,046 0 0
UnitedHealth Group Inc COM 91324P102 966 2,755 SH   DFND   2,755 0 0
VANGUARD REAL ESTATE ETF 922908553 343 4,040 SH   DFND   4,040 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3,933 47,234 SH   DFND   47,234 0 0
VERIZON COMMUN COM 92343V104 704 11,977 SH   DFND   11,977 0 0
VISA INC COM CL A 92826C839 1,340 6,126 SH   DFND   6,126 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 238 4,744 SH   DFND   4,744 0 0
Vanguard ETF/USA INTER TERM TREAS 92206C706 327 4,710 SH   DFND   4,710 0 0
Vanguard ETF/USA INT-TERM CORP 92206C870 289 2,973 SH   DFND   2,973 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 287 1,476 SH   DFND   1,476 0 0
Vertiv Holdings Co COM CL A 92537N108 823 44,084 SH   DFND   44,084 0 0
WASTE MANAGEMENT COM 94106L109 328 2,781 SH   DFND   2,781 0 0
Walmart Inc COM 931142103 707 4,903 SH   DFND   4,903 0 0
Walt Disney Co/The COM DISNEY 254687106 1,491 8,226 SH   DFND   8,226 0 0
YUM BRANDS INC COM 988498101 234 2,160 SH   DFND   2,160 0 0