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 1,419 7,141 SH   DFND   7,141 0 0
ACCENTURE SHS CLASS A G1151C101 1,061 3,600 SH   DFND   3,600 0 0
ALPHABET INC CAP STK CL A 02079K305 2,163 886 SH   DFND   886 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 3,020 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 369 12,823 SH   DFND   12,823 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,486 7,481 SH   DFND   7,481 0 0
Abbott Laboratories COM 002824100 407 3,509 SH   DFND   3,509 0 0
Aberdeen Closed End Funds/USA COM 003009107 3,517 793,838 SH   DFND   773,838 0 20,000
Adobe Inc COM 00724F101 279 477 SH   DFND   477 0 0
Alphabet Inc CAP STK CL C 02079K107 2,431 970 SH   DFND   970 0 0
Amazon.com Inc COM 023135106 3,251 945 SH   DFND   945 0 0
Amphenol Corp CL A 032095101 936 13,682 SH   DFND   13,682 0 0
Aon PLC SHS CL A G0403H108 818 3,426 SH   DFND   3,426 0 0
Apple Inc COM 037833100 5,818 42,484 SH   DFND   42,484 0 0
AutoZone Inc COM 053332102 1,319 884 SH   DFND   884 0 0
BAKER HUGHES INC CL A 05722G100 4,552 199,025 SH   DFND   197,525 0 1,500
BALL CORP COM 058498106 290 3,584 SH   DFND   3,584 0 0
BK OF AMERICA CORP COM 060505104 1,432 34,727 SH   DFND   34,727 0 0
BRISTOL-MYRS SQUIB COM 110122108 695 10,405 SH   DFND   10,405 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 9,701 190,281 SH   DFND   189,281 0 1,000
Bar Harbor Bankshares COM 066849100 10,013 349,858 SH   DFND   16,000 0 333,858
Berkshire Hathaway Inc CL B NEW 084670702 4,011 14,433 SH   DFND   14,183 0 250
BlackRock Fund Advisors MSCI EAFE ETF 464287465 267 3,377 SH   DFND   3,377 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507 299 1,113 SH   DFND   1,113 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 360 3,354 SH   DFND   3,354 0 0
Booking Holdings Inc COM 09857L108 1,035 473 SH   DFND   473 0 0
Booz Allen Hamilton Holding Co CL A 099502106 4,932 57,897 SH   DFND   57,647 0 250
Brookfield Renewable Partners CL A SUB VTG 11284V105 652 15,539 SH   DFND   13,489 0 2,050
Brown & Brown Inc COM 115236101 8,053 151,537 SH   DFND   150,637 0 900
CDW Corp/DE COM 12514G108 1,216 6,959 SH   DFND   6,959 0 0
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,197 1,422,000 PRN   DFND   1,357,000 0 65,000
CHUBB LIMITED COM COM H1467J104 1,148 7,225 SH   DFND   7,225 0 0
CISCO SYSTEMS COM 17275R102 661 12,456 SH   DFND   12,456 0 0
COLGATE-PALMOLIVE COM 194162103 418 5,141 SH   DFND   5,141 0 0
CSX CORP COM 126408103 409 12,735 SH   DFND   735 0 12,000
CVS Health Corp COM 126650100 6,467 77,504 SH   DFND   77,004 0 500
Capri Holdings Ltd SHS G1890L107 2,100 36,715 SH   DFND   35,715 0 1,000
Caterpillar Inc COM 149123101 245 1,125 SH   DFND   1,125 0 0
Chevron Corp COM 166764100 1,570 14,988 SH   DFND   14,688 0 300
Clorox Co/The COM 189054109 290 1,610 SH   DFND   1,610 0 0
Coca-Cola Co/The COM 191216100 344 6,356 SH   DFND   6,356 0 0
Comcast Corp CL A 20030N101 9,317 163,398 SH   DFND   163,398 0 0
Costco Wholesale Corp COM 22160K105 822 2,078 SH   DFND   2,078 0 0
Danaher Corp COM 235851102 1,232 4,594 SH   DFND   4,594 0 0
EMERSON ELECTRIC COM 291011104 1,611 16,745 SH   DFND   16,745 0 0
Eli Lilly & Co COM 532457108 728 3,171 SH   DFND   3,171 0 0
Equity LifeStyle Properties In COM 29472R108 758 10,195 SH   DFND   10,195 0 0
Exxon Mobil Corp COM 30231G102 767 12,154 SH   DFND   12,154 0 0
FEDEX CORP COM 31428X106 10,315 34,576 SH   DFND   34,576 0 0
Fidelity National Information COM 31620M106 5,681 40,100 SH   DFND   40,100 0 0
General Mills Inc COM 370334104 1,132 18,575 SH   DFND   18,575 0 0
Gilead Sciences Inc COM 375558103 245 3,545 SH   DFND   3,545 0 0
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 5,575 30,156 SH   DFND   30,156 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 2,024 21,614 SH   DFND   21,014 0 600
Home Depot Inc/The COM 437076102 2,081 6,525 SH   DFND   6,525 0 0
IHS MARKIT LTD SHS G47567105 9,290 82,464 SH   DFND   82,064 0 400
INTERCONTINENTAL EXCHANGE COM 45866F104 7,509 63,266 SH   DFND   62,891 0 375
INTL BUSINESS MCHN COM 459200101 206 1,400 SH   DFND   1,400 0 0
ISHARES CORE S&P500 ETF 464287200 318 740 SH   DFND   740 0 0
ISHARES IBOXX INV CP ETF 464287242 270 2,004 SH   DFND   2,004 0 0
ISHARES RUSSELL 2000 ETF 464287655 675 2,943 SH   DFND   2,943 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 231 2,000 SH   DFND   2,000 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 268 3,773 SH   DFND   3,773 0 0
Intel Corp COM 458140100 568 10,108 SH   DFND   10,108 0 0
JPMorgan Chase & Co COM 46625H100 1,760 11,313 SH   DFND   11,313 0 0
Johnson & Johnson COM 478160104 13,953 84,694 SH   DFND   83,444 0 1,250
Kinder Morgan Inc COM 49456B101 1,024 56,151 SH   DFND   56,151 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 8,595 311,196 SH   DFND   301,316 0 9,880
L3Harris Technologies Inc COM 502431109 868 4,013 SH   DFND   4,013 0 0
LOWE'S COS INC COM 548661107 388 2,000 SH   DFND   2,000 0 0
Linde PLC SHS G5494J103 1,244 4,305 SH   DFND   4,305 0 0
MASTERCARD INC CL A 57636Q104 1,038 2,844 SH   DFND   2,844 0 0
MCDONALD'S CORP COM 580135101 966 4,181 SH   DFND   4,181 0 0
MICROSOFT CORP COM 594918104 11,045 40,772 SH   DFND   40,772 0 0
Merck & Co Inc COM 58933Y105 1,024 13,161 SH   DFND   12,561 0 600
NEXTERA ENERGY COM 65339F101 1,134 15,477 SH   DFND   15,477 0 0
NIKE INC CL B 654106103 1,325 8,579 SH   DFND   8,579 0 0
Nelnet Inc CL A 64031N108 5,818 77,331 SH   DFND   76,931 0 400
Norfolk Southern Corp COM 655844108 1,455 5,482 SH   DFND   5,482 0 0
Novo Holdings A/S ADR 670100205 9,827 117,312 SH   DFND   116,662 0 650
Nuveen Closed-End Funds/USA COM 670928100 6,343 550,130 SH   DFND   534,130 0 16,000
PARKER-HANNIFIN COM 701094104 7,671 24,979 SH   DFND   24,979 0 0
PEPSICO INC COM 713448108 1,703 11,495 SH   DFND   10,895 0 600
PHILIP MORRIS INTL COM 718172109 502 5,068 SH   DFND   5,068 0 0
PayPal Holdings Inc COM 70450Y103 1,475 5,058 SH   DFND   5,058 0 0
People's United Financial Inc COM 712704105 532 31,046 SH   DFND   31,046 0 0
Procter & Gamble Co/The COM 742718109 1,925 14,270 SH   DFND   14,270 0 0
QUALCOMM INC COM 747525103 10,295 72,028 SH   DFND   71,828 0 200
ROCKWELL AUTOMATION COM 773903109 1,192 4,167 SH   DFND   4,167 0 0
Raytheon Technologies Corp COM 75513E101 1,125 13,188 SH   DFND   13,188 0 0
RenaissanceRe Holdings Ltd COM G7496G103 3,559 23,915 SH   DFND   23,715 0 200
S&P Global Inc COM 78409V104 568 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 7,839 993,517 SH   DFND   975,497 0 18,020
SELECT SECTOR SPDR SBI INT-FINL 81369Y605 202 5,500 SH   DFND   5,500 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 221 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 462 3,781 SH   DFND   3,781 0 0
SSgA Funds Management Inc TR UNIT 78462F103 4,014 9,378 SH   DFND   9,378 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 201 409 SH   DFND   409 0 0
Sea Ltd SPONSORD ADS 81141R100 316 1,150 SH   DFND   1,150 0 0
Spirit Airlines Inc COM 848577102 365 12,000 SH   DFND   10,500 0 1,500
TJX Cos Inc/The COM 872540109 478 7,095 SH   DFND   7,095 0 0
TRACTOR SUPPLY CO COM 892356106 7,460 40,094 SH   DFND   40,094 0 0
Target Corp COM 87612E106 230 951 SH   DFND   951 0 0
Texas Pacific Land Corp None 88262P102 13,593 8,497 SH   DFND   8,452 0 45
Thermo Fisher Scientific Inc COM 883556102 409 810 SH   DFND   810 0 0
Twitter Inc COM 90184L102 1,739 25,268 SH   DFND   25,268 0 0
Union Pacific Corp COM 907818108 884 4,017 SH   DFND   4,017 0 0
UnitedHealth Group Inc COM 91324P102 1,197 2,988 SH   DFND   2,988 0 0
VANGUARD REAL ESTATE ETF 922908553 396 3,890 SH   DFND   3,890 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3,870 46,790 SH   DFND   46,790 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870 232 2,440 SH   DFND   2,440 0 0
VERIZON COMMUN COM 92343V104 555 9,915 SH   DFND   9,915 0 0
VISA INC COM CL A 92826C839 1,809 7,733 SH   DFND   7,733 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 235 4,564 SH   DFND   4,564 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 265 4,866 SH   DFND   4,866 0 0
Vanguard ETF/USA MID CAP ETF 922908629 861 3,630 SH   DFND   3,630 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 329 1,476 SH   DFND   1,476 0 0
Vertiv Holdings Co COM CL A 92537N108 8,040 294,535 SH   DFND   292,535 0 2,000
WASTE MANAGEMENT COM 94106L109 251 1,795 SH   DFND   1,795 0 0
Walmart Inc COM 931142103 793 5,622 SH   DFND   5,622 0 0
Walt Disney Co/The COM 254687106 2,046 11,642 SH   DFND   11,642 0 0
YUM BRANDS INC COM 988498101 248 2,160 SH   DFND   2,160 0 0
ZIMMER HLDGS INC COM 98956P102 1,054 6,555 SH   DFND   6,555 0 0