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 997 6,698 SH   DFND   6,698 0 0
ACCENTURE SHS CLASS A G1151C101 1,287 3,817 SH   DFND   3,817 0 0
ALPHABET INC CAP STK CL A 02079K305 2,131 766 SH   DFND   766 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 2,920 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 299 12,641 SH   DFND   12,641 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,645 7,230 SH   DFND   7,230 0 0
Abbott Laboratories COM 002824100 399 3,368 SH   DFND   3,368 0 0
Adobe Inc COM 00724F101 213 468 SH   DFND   468 0 0
Alphabet Inc CAP STK CL C 02079K107 2,500 895 SH   DFND   895 0 0
Amazon.com Inc COM 023135106 2,843 872 SH   DFND   872 0 0
Amphenol Corp CL A 032095101 1,114 14,790 SH   DFND   14,790 0 0
Aon PLC SHS CL A G0403H108 1,232 3,784 SH   DFND   3,784 0 0
Apple Inc COM 037833100 5,282 30,249 SH   DFND   30,249 0 0
AutoZone Inc COM 053332102 1,856 908 SH   DFND   908 0 0
AvalonBay Communities Inc COM 053484101 580 2,334 SH   DFND   2,334 0 0
BAKER HUGHES INC CL A 05722G100 10,705 294,011 SH   DFND   292,261 0 1,750
BALL CORP COM 058498106 323 3,584 SH   DFND   3,584 0 0
BARRICK GOLD CORP COM 067901108 6,590 268,674 SH   DFND   266,174 0 2,500
BK OF AMERICA CORP COM 060505104 1,267 30,743 SH   DFND   30,743 0 0
BRISTOL-MYRS SQUIB COM 110122108 694 9,503 SH   DFND   9,503 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 10,761 190,222 SH   DFND   189,222 0 1,000
Bar Harbor Bankshares COM 066849100 11,195 391,173 SH   DFND   14,500 0 376,673
Berkshire Hathaway Inc CL B NEW 084670702 5,262 14,909 SH   DFND   14,659 0 250
BlackRock Advisors LLC RUS 1000 ETF 464287622 206 822 SH   DFND   822 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465 247 3,363 SH   DFND   3,363 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 211 4,089 SH   DFND   4,089 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 211 2,192 SH   DFND   2,192 0 0
Booking Holdings Inc COM 09857L108 1,404 598 SH   DFND   598 0 0
Booz Allen Hamilton Holding Co CL A 099502106 5,703 64,919 SH   DFND   64,519 0 400
Brookfield Renewable Partners CL A SUB VTG 11284V105 2,346 53,560 SH   DFND   50,910 0 2,650
Brown & Brown Inc COM 115236101 10,893 150,730 SH   DFND   149,830 0 900
CDW Corp/DE COM 12514G108 1,300 7,265 SH   DFND   7,265 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 631 8,000 SH   DFND   8,000 0 0
CHUBB LIMITED COM COM H1467J104 1,688 7,889 SH   DFND   7,889 0 0
CISCO SYSTEMS COM 17275R102 1,992 35,731 SH   DFND   35,731 0 0
COLGATE-PALMOLIVE COM 194162103 579 7,642 SH   DFND   7,642 0 0
CSX CORP COM 126408103 477 12,735 SH   DFND   735 0 12,000
CVS Health Corp COM 126650100 8,136 80,380 SH   DFND   79,880 0 500
Capri Holdings Ltd SHS G1890L107 1,347 26,213 SH   DFND   26,213 0 0
Caterpillar Inc COM 149123101 211 947 SH   DFND   947 0 0
Chevron Corp COM 166764100 2,042 12,541 SH   DFND   12,241 0 300
Clorox Co/The COM 189054109 224 1,610 SH   DFND   1,610 0 0
Coca-Cola Co/The COM 191216100 381 6,149 SH   DFND   6,149 0 0
Comcast Corp CL A 20030N101 849 18,117 SH   DFND   18,117 0 0
Constellation Brands Inc CL A 21036P108 325 1,411 SH   DFND   1,411 0 0
Costco Wholesale Corp COM 22160K105 1,284 2,229 SH   DFND   2,229 0 0
DOMINION RES(VIR) COM 25746U109 202 2,371 SH   DFND   2,371 0 0
Danaher Corp COM 235851102 1,351 4,604 SH   DFND   4,604 0 0
Dollar Tree Inc COM 256746108 1,577 9,847 SH   DFND   9,847 0 0
EMERSON ELECTRIC COM 291011104 1,615 16,469 SH   DFND   16,469 0 0
EQUITY COMMONWEALTH None 294628201 1,038 37,674 SH   DFND   37,674 0 0
Eaton Vance Management COM 27828N102 194 13,900 SH   DFND   13,900 0 0
Eaton Vance Management COM 27829F108 209 21,520 SH   DFND   21,520 0 0
Eli Lilly & Co COM 532457108 885 3,091 SH   DFND   3,091 0 0
Equity LifeStyle Properties In COM 29472R108 1,216 15,903 SH   DFND   15,903 0 0
Exxon Mobil Corp COM 30231G102 1,419 17,190 SH   DFND   17,190 0 0
FEDEX CORP COM 31428X106 6,876 29,717 SH   DFND   29,717 0 0
FNB Corp/PA COM 302520101 330 26,528 SH   DFND   26,528 0 0
FREEPORT-MCMOR C&G CL B 35671D857 4,068 81,780 SH   DFND   81,780 0 0
First Bancorp Inc/The COM 31866P102 607 20,177 SH   DFND   20,177 0 0
General Electric Co COM NEW 369604301 1,066 11,649 SH   DFND   11,649 0 0
General Mills Inc COM 370334104 1,092 16,125 SH   DFND   16,125 0 0
Gilead Sciences Inc COM 375558103 203 3,423 SH   DFND   3,423 0 0
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 6,602 29,791 SH   DFND   29,791 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 2,869 27,266 SH   DFND   26,666 0 600
Home Depot Inc/The COM 437076102 1,784 5,958 SH   DFND   5,958 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 9,204 69,662 SH   DFND   69,287 0 375
INTL BUSINESS MCHN COM 459200101 217 1,670 SH   DFND   1,670 0 0
ISHARES CORE S&P500 ETF 464287200 856 1,887 SH   DFND   1,887 0 0
ISHARES IBOXX INV CP ETF 464287242 241 1,992 SH   DFND   1,992 0 0
ISHARES RUSSELL 2000 ETF 464287655 608 2,962 SH   DFND   2,962 0 0
ISHARES CORE MSCI EAFE 46432F842 417 6,000 SH   DFND   6,000 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 215 2,000 SH   DFND   2,000 0 0
ISHARES TRUST TIPS BD ETF 464287176 5,076 40,750 SH   DFND   40,000 0 750
ISHARES TRUST GLOBAL 100 ETF 464287572 287 3,773 SH   DFND   3,773 0 0
Intel Corp COM 458140100 465 9,387 SH   DFND   9,387 0 0
JPMorgan Chase & Co COM 46625H100 1,394 10,223 SH   DFND   10,223 0 0
Johnson & Johnson COM 478160104 17,794 100,400 SH   DFND   99,100 0 1,300
Kinder Morgan Inc COM 49456B101 1,946 102,914 SH   DFND   102,914 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 1,712 66,793 SH   DFND   62,793 0 4,000
L3Harris Technologies Inc COM 502431109 1,229 4,949 SH   DFND   4,949 0 0
LOWE'S COS INC COM 548661107 404 2,000 SH   DFND   2,000 0 0
Linde PLC SHS G5494J103 1,507 4,718 SH   DFND   4,718 0 0
MASTERCARD INC CL A 57636Q104 993 2,778 SH   DFND   2,778 0 0
MCDONALD'S CORP COM 580135101 999 4,041 SH   DFND   4,041 0 0
MICROSOFT CORP COM 594918104 10,116 32,811 SH   DFND   32,811 0 0
Merck & Co Inc COM 58933Y105 1,039 12,660 SH   DFND   12,060 0 600
NEXTERA ENERGY COM 65339F101 1,727 20,394 SH   DFND   20,394 0 0
NIKE INC CL B 654106103 1,223 9,092 SH   DFND   9,092 0 0
Nelnet Inc CL A 64031N108 8,595 101,121 SH   DFND   100,721 0 400
Norfolk Southern Corp COM 655844108 1,563 5,482 SH   DFND   5,482 0 0
Novo Holdings A/S ADR 670100205 12,833 115,567 SH   DFND   114,917 0 650
Nuveen Closed-End Funds/USA COM 670928100 8,379 874,627 SH   DFND   847,627 0 27,000
PACCAR INC COM 693718108 7,874 89,399 SH   DFND   88,949 0 450
PARKER-HANNIFIN COM 701094104 5,151 18,153 SH   DFND   18,153 0 0
PEPSICO INC COM 713448108 1,939 11,588 SH   DFND   10,988 0 600
PHILIP MORRIS INTL COM 718172109 485 5,160 SH   DFND   5,160 0 0
People's United Financial Inc COM 712704105 585 29,271 SH   DFND   29,271 0 0
Pfizer Inc COM 717081103 240 4,635 SH   DFND   2,150 0 2,485
Procter & Gamble Co/The COM 742718109 2,693 17,620 SH   DFND   17,620 0 0
QUALCOMM INC COM 747525103 7,764 50,800 SH   DFND   50,600 0 200
ROCKWELL AUTOMATION COM 773903109 2,295 8,196 SH   DFND   7,996 0 200
Raytheon Technologies Corp COM 75513E101 328 3,308 SH   DFND   3,308 0 0
S&P Global Inc COM 78409V104 581 1,416 SH   DFND   1,416 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 8,358 1,034,380 SH   DFND   1,016,360 0 18,020
SELECT SECTOR SPDR FINANCIAL 81369Y605 211 5,500 SH   DFND   5,500 0 0
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 264 3,550 SH   DFND   3,550 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 206 6,024 SH   DFND   6,024 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 476 3,715 SH   DFND   3,715 0 0
SSgA Funds Management Inc TR UNIT 78462F103 4,033 8,930 SH   DFND   8,930 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 201 409 SH   DFND   409 0 0
TJX Cos Inc/The COM 872540109 5,672 93,642 SH   DFND   93,642 0 0
TRACTOR SUPPLY CO COM 892356106 9,091 38,955 SH   DFND   38,955 0 0
Tesla Inc COM 88160R101 205 190 SH   DFND   190 0 0
Texas Pacific Land Corp COM 88262P102 11,296 8,354 SH   DFND   8,309 0 45
Thermo Fisher Scientific Inc COM 883556102 476 806 SH   DFND   806 0 0
Union Pacific Corp COM 907818108 1,098 4,017 SH   DFND   4,017 0 0
UnitedHealth Group Inc COM 91324P102 1,794 3,517 SH   DFND   3,517 0 0
VANGUARD S&P 500 ETF SHS 922908363 670 1,613 SH   DFND   1,613 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3,973 50,871 SH   DFND   50,871 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870 214 2,493 SH   DFND   2,493 0 0
VERIZON COMMUN COM 92343V104 663 13,000 SH   DFND   13,000 0 0
VISA INC COM CL A 92826C839 1,586 7,153 SH   DFND   7,153 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 220 4,588 SH   DFND   4,588 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 413 8,959 SH   DFND   8,959 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553 494 4,556 SH   DFND   4,556 0 0
Vanguard ETF/USA MID CAP ETF 922908629 2,282 9,591 SH   DFND   9,586 0 5
Vanguard ETF/USA SMALL CP ETF 922908751 249 1,171 SH   DFND   1,171 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 347 1,526 SH   DFND   1,526 0 0
Vertiv Holdings Co COM CL A 92537N108 452 32,267 SH   DFND   32,267 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507 498 1,857 SH   DFND   1,857 0 0
WASTE MANAGEMENT COM 94106L109 226 1,425 SH   DFND   1,425 0 0
Walmart Inc COM 931142103 1,431 9,606 SH   DFND   9,606 0 0
Walt Disney Co/The COM 254687106 1,553 11,324 SH   DFND   11,324 0 0
YUM BRANDS INC COM 988498101 256 2,160 SH   DFND   2,160 0 0
ZIMMER HLDGS INC COM 98956P102 1,476 11,538 SH   DFND   11,538 0 0