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 1,243 6,998 SH   DFND   6,998 0 0
ACCENTURE SHS CLASS A G1151C101 1,599 3,856 SH   DFND   3,856 0 0
ALPHABET INC CAP STK CL A 02079K305 2,657 917 SH   DFND   917 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 3,480 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 311 12,641 SH   DFND   12,641 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,820 7,381 SH   DFND   7,381 0 0
Abbott Laboratories COM 002824100 474 3,368 SH   DFND   3,368 0 0
Aberdeen Closed End Funds/USA COM 003009107 52 13,500 SH   DFND   13,500 0 0
Adobe Inc COM 00724F101 268 472 SH   DFND   472 0 0
Alphabet Inc CAP STK CL C 02079K107 3,000 1,037 SH   DFND   1,037 0 0
Amazon.com Inc COM 023135106 3,294 988 SH   DFND   988 0 0
Amphenol Corp CL A 032095101 1,309 14,966 SH   DFND   14,966 0 0
Aon PLC SHS CL A G0403H108 1,124 3,741 SH   DFND   3,741 0 0
Apple Inc COM 037833100 7,822 44,053 SH   DFND   44,053 0 0
AutoZone Inc COM 053332102 1,929 920 SH   DFND   920 0 0
BAKER HUGHES INC CL A 05722G100 7,130 296,340 SH   DFND   294,590 0 1,750
BALL CORP COM 058498106 345 3,584 SH   DFND   3,584 0 0
BK OF AMERICA CORP COM 060505104 1,540 34,596 SH   DFND   34,596 0 0
BRISTOL-MYRS SQUIB COM 110122108 595 9,538 SH   DFND   9,538 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 11,343 187,861 SH   DFND   186,861 0 1,000
Bar Harbor Bankshares COM 066849100 10,149 350,802 SH   DFND   14,800 0 336,002
Berkshire Hathaway Inc CL B NEW 084670702 4,452 14,890 SH   DFND   14,640 0 250
BlackRock Fund Advisors MSCI EAFE ETF 464287465 265 3,363 SH   DFND   3,363 0 0
BlackRock Fund Advisors RUS 1000 ETF 464287622 217 822 SH   DFND   822 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 290 2,635 SH   DFND   2,635 0 0
BlackRock Fund Advisors MSCI USA QLT FCT 46432F339 255 1,749 SH   DFND   1,749 0 0
Booking Holdings Inc COM 09857L108 1,456 607 SH   DFND   607 0 0
Booz Allen Hamilton Holding Co CL A 099502106 5,120 60,396 SH   DFND   59,996 0 400
Brookfield Renewable Partners CL A SUB VTG 11284V105 1,493 40,516 SH   DFND   38,366 0 2,150
Brown & Brown Inc COM 115236101 10,536 149,926 SH   DFND   149,026 0 900
CDW Corp/DE COM 12514G108 1,502 7,334 SH   DFND   7,334 0 0
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,179 1,402,000 PRN   DFND   1,337,000 0 65,000
CHUBB LIMITED COM COM H1467J104 1,500 7,760 SH   DFND   7,760 0 0
CISCO SYSTEMS COM 17275R102 2,241 35,352 SH   DFND   35,352 0 0
COLGATE-PALMOLIVE COM 194162103 438 5,141 SH   DFND   5,141 0 0
CSX CORP COM 126408103 479 12,735 SH   DFND   735 0 12,000
CVS Health Corp COM 126650100 8,008 77,635 SH   DFND   77,135 0 500
Capri Holdings Ltd SHS G1890L107 2,470 38,048 SH   DFND   37,048 0 1,000
Caterpillar Inc COM 149123101 212 1,024 SH   DFND   1,024 0 0
Chevron Corp COM 166764100 1,659 14,138 SH   DFND   13,838 0 300
Clorox Co/The COM 189054109 281 1,610 SH   DFND   1,610 0 0
Coca-Cola Co/The COM 191216100 364 6,149 SH   DFND   6,149 0 0
Comcast Corp CL A 20030N101 5,771 114,661 SH   DFND   114,661 0 0
Costco Wholesale Corp COM 22160K105 1,274 2,244 SH   DFND   2,244 0 0
Danaher Corp COM 235851102 1,581 4,804 SH   DFND   4,804 0 0
Dollar Tree Inc COM 256746108 1,149 8,176 SH   DFND   8,176 0 0
EMERSON ELECTRIC COM 291011104 1,564 16,822 SH   DFND   16,822 0 0
Eli Lilly & Co COM 532457108 857 3,105 SH   DFND   3,105 0 0
Equity LifeStyle Properties In COM 29472R108 1,348 15,374 SH   DFND   15,374 0 0
Exxon Mobil Corp COM 30231G102 736 12,032 SH   DFND   12,032 0 0
FEDEX CORP COM 31428X106 8,767 33,897 SH   DFND   33,897 0 0
FNB Corp/PA COM 302520101 187 15,433 SH   DFND   15,433 0 0
FREEPORT-MCMOR C&G CL B 35671D857 4,850 116,218 SH   DFND   116,218 0 0
First Bancorp Inc/The COM 31866P102 211 6,725 SH   DFND   6,725 0 0
General Electric Co None 369604301 1,108 11,732 SH   DFND   11,732 0 0
General Mills Inc COM 370334104 1,087 16,125 SH   DFND   16,125 0 0
Gilead Sciences Inc COM 375558103 248 3,423 SH   DFND   3,423 0 0
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 6,191 30,029 SH   DFND   30,029 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 2,596 24,087 SH   DFND   23,487 0 600
Home Depot Inc/The COM 437076102 2,481 5,978 SH   DFND   5,978 0 0
IHS MARKIT LTD SHS G47567105 10,771 81,030 SH   DFND   80,630 0 400
INTERCONTINENTAL EXCHANGE COM 45866F104 9,245 67,592 SH   DFND   67,217 0 375
ISHARES CORE S&P500 ETF 464287200 591 1,239 SH   DFND   1,239 0 0
ISHARES IBOXX INV CP ETF 464287242 264 1,994 SH   DFND   1,994 0 0
ISHARES RUSSELL 2000 ETF 464287655 665 2,987 SH   DFND   2,987 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 231 2,000 SH   DFND   2,000 0 0
ISHARES TRUST TIPS BD ETF 464287176 2,707 20,950 SH   DFND   20,650 0 300
ISHARES TRUST GLOBAL 100 ETF 464287572 294 3,773 SH   DFND   3,773 0 0
Intel Corp COM 458140100 490 9,510 SH   DFND   9,510 0 0
JPMorgan Chase & Co COM 46625H100 1,832 11,569 SH   DFND   11,569 0 0
Johnson & Johnson COM 478160104 17,194 100,507 SH   DFND   99,257 0 1,250
Kinder Morgan Inc COM 49456B101 1,276 80,441 SH   DFND   80,441 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 8,102 301,751 SH   DFND   291,871 0 9,880
L3Harris Technologies Inc COM 502431109 973 4,566 SH   DFND   4,566 0 0
LENNAR CORP CL A 526057104 5,738 49,395 SH   DFND   49,395 0 0
LOWE'S COS INC COM 548661107 517 2,000 SH   DFND   2,000 0 0
Linde PLC SHS G5494J103 1,632 4,709 SH   DFND   4,709 0 0
MASTERCARD INC CL A 57636Q104 972 2,705 SH   DFND   2,705 0 0
MCDONALD'S CORP COM 580135101 1,075 4,010 SH   DFND   4,010 0 0
MICROSOFT CORP COM 594918104 13,650 40,588 SH   DFND   40,588 0 0
Merck & Co Inc COM 58933Y105 997 13,007 SH   DFND   12,407 0 600
NEXTERA ENERGY COM 65339F101 1,681 18,004 SH   DFND   18,004 0 0
NIKE INC CL B 654106103 1,503 9,018 SH   DFND   9,018 0 0
Nelnet Inc CL A 64031N108 9,551 97,777 SH   DFND   97,377 0 400
Norfolk Southern Corp COM 655844108 1,632 5,482 SH   DFND   5,482 0 0
Novo Holdings A/S ADR 670100205 12,895 115,135 SH   DFND   114,485 0 650
Nuveen Closed-End Funds/USA COM 670928100 7,601 732,279 SH   DFND   707,779 0 24,500
ORACLE CORP COM 68389X105 6,544 75,042 SH   DFND   75,042 0 0
PACCAR INC COM 693718108 7,720 87,471 SH   DFND   87,121 0 350
PARKER-HANNIFIN COM 701094104 7,775 24,439 SH   DFND   24,439 0 0
PEPSICO INC COM 713448108 1,976 11,379 SH   DFND   10,779 0 600
PHILIP MORRIS INTL COM 718172109 490 5,160 SH   DFND   5,160 0 0
PayPal Holdings Inc COM 70450Y103 291 1,545 SH   DFND   1,545 0 0
People's United Financial Inc COM 712704105 531 29,771 SH   DFND   29,771 0 0
Pfizer Inc COM 717081103 273 4,635 SH   DFND   2,150 0 2,485
Procter & Gamble Co/The COM 742718109 2,562 15,659 SH   DFND   15,659 0 0
QUALCOMM INC COM 747525103 13,072 71,481 SH   DFND   71,281 0 200
ROCKWELL AUTOMATION COM 773903109 2,646 7,585 SH   DFND   7,435 0 150
Raytheon Technologies Corp COM 75513E101 293 3,408 SH   DFND   3,408 0 0
S&P Global Inc COM 78409V104 654 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 6,253 1,008,575 SH   DFND   990,555 0 18,020
SELECT SECTOR SPDR FINANCIAL 81369Y605 215 5,500 SH   DFND   5,500 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 218 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 481 3,730 SH   DFND   3,730 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 212 409 SH   DFND   409 0 0
Sea Ltd SPONSORD ADS 81141R100 240 1,075 SH   DFND   1,075 0 0
State Street ETF/USA TR UNIT 78462F103 4,396 9,255 SH   DFND   9,255 0 0
TJX Cos Inc/The COM 872540109 6,684 88,029 SH   DFND   88,029 0 0
TRACTOR SUPPLY CO COM 892356106 9,651 40,449 SH   DFND   40,449 0 0
Target Corp COM 87612E106 218 942 SH   DFND   942 0 0
Tesla Inc COM 88160R101 211 200 SH   DFND   200 0 0
Texas Pacific Land Corp COM 88262P102 10,381 8,312 SH   DFND   8,267 0 45
Thermo Fisher Scientific Inc COM 883556102 540 809 SH   DFND   809 0 0
Twitter Inc COM 90184L102 1,210 27,993 SH   DFND   27,993 0 0
Union Pacific Corp COM 907818108 1,012 4,017 SH   DFND   4,017 0 0
UnitedHealth Group Inc COM 91324P102 1,576 3,139 SH   DFND   3,139 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 4,060 49,960 SH   DFND   49,960 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870 226 2,440 SH   DFND   2,440 0 0
VERIZON COMMUN COM 92343V104 496 9,536 SH   DFND   9,536 0 0
VISA INC COM CL A 92826C839 1,563 7,211 SH   DFND   7,211 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 305 5,970 SH   DFND   5,970 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 220 4,463 SH   DFND   4,463 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553 410 3,534 SH   DFND   3,534 0 0
Vanguard ETF/USA MID CAP ETF 922908629 1,826 7,166 SH   DFND   7,166 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 356 1,476 SH   DFND   1,476 0 0
Vertiv Holdings Co COM CL A 92537N108 8,850 354,401 SH   DFND   352,401 0 2,000
Voya Investments LLC CORE S&P MCP ETF 464287507 325 1,148 SH   DFND   1,148 0 0
WASTE MANAGEMENT COM 94106L109 265 1,585 SH   DFND   1,585 0 0
Walmart Inc COM 931142103 1,121 7,750 SH   DFND   7,750 0 0
Walt Disney Co/The COM 254687106 1,736 11,209 SH   DFND   11,209 0 0
YUM BRANDS INC COM 988498101 300 2,160 SH   DFND   2,160 0 0
ZIMMER HLDGS INC COM 98956P102 1,111 8,747 SH   DFND   8,747 0 0