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 1,139 7,111 SH   DFND   7,111 0 0
ACCENTURE SHS CLASS A G1151C101 496 2,196 SH   DFND   2,196 0 0
ALPHABET INC CAP STK CL A 02079K305 1,206 823 SH   DFND   823 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 1,614 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 568 19,929 SH   DFND   19,929 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,044 7,481 SH   DFND   7,481 0 0
Abbott Laboratories COM 002824100 410 3,765 SH   DFND   3,765 0 0
Aberdeen Closed End Funds/USA COM 003009107 2,389 598,633 SH   DFND   591,633 0 7,000
Adobe Inc COM 00724F101 542 1,106 SH   DFND   1,106 0 0
Alphabet Inc CAP STK CL C 02079K107 1,286 875 SH   DFND   875 0 0
Altria Group Inc COM 02209S103 211 5,446 SH   DFND   5,446 0 0
Amazon.com Inc COM 023135106 2,825 897 SH   DFND   897 0 0
American Water Works Co Inc COM 030420103 251 1,730 SH   DFND   1,730 0 0
Amgen Inc COM 031162100 266 1,046 SH   DFND   1,046 0 0
Amphenol Corp CL A 032095101 361 3,327 SH   DFND   3,327 0 0
Aon PLC None G0403H108 560 2,716 SH   DFND   2,716 0 0
Apple Inc COM 037833100 5,103 44,060 SH   DFND   44,060 0 0
AutoZone Inc COM 053332102 652 554 SH   DFND   554 0 0
BALL CORP COM 058498106 298 3,584 SH   DFND   3,584 0 0
BARRICK GOLD CORP COM 067901108 9,458 336,449 SH   DFND   336,449 0 0
BK OF AMERICA CORP COM 060505104 552 22,946 SH   DFND   22,946 0 0
BRISTOL-MYRS SQUIB COM 110122108 5,705 94,627 SH   DFND   94,327 0 300
BROOKFIELD ASSET M CL A LTD VT SH 112585104 6,050 183,019 SH   DFND   183,019 0 0
Bar Harbor Bankshares COM 066849100 8,064 392,391 SH   DFND   17,800 0 374,591
Berkshire Hathaway Inc CL B NEW 084670702 1,943 9,122 SH   DFND   9,122 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465 215 3,378 SH   DFND   3,378 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 315 3,501 SH   DFND   3,501 0 0
Booking Holdings Inc COM 09857L108 609 356 SH   DFND   356 0 0
Brown & Brown Inc COM 115236101 6,624 146,318 SH   DFND   145,618 0 700
CDW Corp/DE COM 12514G108 505 4,225 SH   DFND   4,225 0 0
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,446 2,022,000 PRN   DFND   1,947,000 0 75,000
CHUBB LIMITED COM COM H1467J104 675 5,813 SH   DFND   5,813 0 0
CISCO SYSTEMS COM 17275R102 716 18,179 SH   DFND   18,179 0 0
COLGATE-PALMOLIVE COM 194162103 428 5,555 SH   DFND   5,555 0 0
CSX CORP COM 126408103 330 4,245 SH   DFND   245 0 4,000
CVS Health Corp COM 126650100 5,001 85,631 SH   DFND   85,031 0 600
Chevron Corp COM 166764100 549 7,628 SH   DFND   7,328 0 300
Clorox Co/The COM 189054109 440 2,095 SH   DFND   2,095 0 0
Coca-Cola Co/The COM 191216100 356 7,208 SH   DFND   7,208 0 0
Comcast Corp CL A 20030N101 7,428 160,559 SH   DFND   160,559 0 0
Costco Wholesale Corp COM 22160K105 818 2,304 SH   DFND   2,304 0 0
DOMINION RES(VIR) COM 25746U109 645 8,165 SH   DFND   8,165 0 0
Danaher Corp COM 235851102 983 4,565 SH   DFND   4,565 0 0
ECOLAB INC COM 278865100 255 1,273 SH   DFND   1,273 0 0
EQUITY COMMONWEALTH CUM PFD S D 6.5% 294628201 2,260 77,801 SH   DFND   77,801 0 0
Eli Lilly and Co COM 532457108 509 3,435 SH   DFND   3,435 0 0
Equity Commonwealth COM SH BEN INT 294628102 4,681 175,796 SH   DFND   174,796 0 1,000
Equity LifeStyle Properties In COM 29472R108 579 9,444 SH   DFND   9,444 0 0
Exxon Mobil Corp COM 30231G102 471 13,713 SH   DFND   13,713 0 0
FEDEX CORP COM 31428X106 11,675 46,417 SH   DFND   46,417 0 0
General Mills Inc COM 370334104 9,300 150,784 SH   DFND   150,784 0 0
Gilead Sciences Inc COM 375558103 225 3,565 SH   DFND   3,565 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 924 11,900 SH   DFND   11,900 0 0
Home Depot Inc/The COM 437076102 1,954 7,037 SH   DFND   7,037 0 0
IHS MARKIT LTD SHS G47567105 6,585 83,872 SH   DFND   83,472 0 400
INTERCONTINENTAL EXCHANGE COM 45866F104 4,642 46,395 SH   DFND   46,395 0 0
ISHARES CORE S&P500 ETF 464287200 290 863 SH   DFND   863 0 0
ISHARES IBOXX INV CP ETF 464287242 317 2,355 SH   DFND   2,355 0 0
ISHARES NASDAQ BIOTECH 464287556 452 3,336 SH   DFND   3,336 0 0
ISHARES RUSSELL 2000 ETF 464287655 435 2,902 SH   DFND   2,902 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 321 2,635 SH   DFND   2,635 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 231 4,098 SH   DFND   4,098 0 0
Insperity Inc COM 45778Q107 3,384 51,667 SH   DFND   51,667 0 0
Intel Corp COM 458140100 950 18,350 SH   DFND   18,350 0 0
JPMorgan Chase & Co COM 46625H100 909 9,439 SH   DFND   9,439 0 0
Johnson & Johnson COM 478160104 12,798 85,967 SH   DFND   84,967 0 1,000
Kinder Morgan Inc COM 49456B101 425 34,511 SH   DFND   34,511 0 0
Kroger Co/The COM 501044101 6,734 198,583 SH   DFND   197,833 0 750
L3Harris Technologies Inc COM 502431109 544 3,202 SH   DFND   3,202 0 0
LIBERTY INTERACTIVE LLC DEB 3.500% 1/1 530715AN1 17 20,000 PRN   DFND   20,000 0 0
LOWE'S COS INC COM 548661107 332 2,000 SH   DFND   2,000 0 0
Leidos Holdings Inc COM 525327102 311 3,492 SH   DFND   3,492 0 0
MASTERCARD INC CL A 57636Q104 662 1,959 SH   DFND   1,959 0 0
MCDONALD'S CORP COM 580135101 924 4,210 SH   DFND   4,210 0 0
MICROSOFT CORP COM 594918104 8,654 41,143 SH   DFND   41,143 0 0
Merck & Co Inc COM 58933Y105 1,200 14,465 SH   DFND   14,465 0 0
NEXTERA ENERGY COM 65339F101 1,333 4,800 SH   DFND   4,800 0 0
NIKE INC CL B 654106103 800 6,378 SH   DFND   6,378 0 0
Norfolk Southern Corp COM 655844108 1,177 5,500 SH   DFND   5,500 0 0
Novo Holding A/S ADR 670100205 7,540 108,594 SH   DFND   108,194 0 400
Nuveen Closed-End Funds/USA COM 670928100 6,606 619,692 SH   DFND   601,192 0 18,500
PARKER-HANNIFIN COM 701094104 5,282 26,107 SH   DFND   26,107 0 0
PEPSICO INC COM 713448108 1,704 12,294 SH   DFND   11,694 0 600
PHILIP MORRIS INTL COM 718172109 404 5,397 SH   DFND   5,397 0 0
PayPal Holdings Inc COM 70450Y103 948 4,809 SH   DFND   4,809 0 0
People's United Financial Inc COM 712704105 405 39,265 SH   DFND   39,265 0 0
Pfizer Inc COM 717081103 203 5,527 SH   DFND   3,042 0 2,485
Procter & Gamble Co/The COM 742718109 2,135 15,360 SH   DFND   15,360 0 0
QUALCOMM INC COM 747525103 8,630 73,330 SH   DFND   73,330 0 0
Raytheon Technologies Corp None 75513E101 621 10,796 SH   DFND   10,796 0 0
RenaissanceRe Holdings Ltd COM G7496G103 3,314 19,526 SH   DFND   19,376 0 150
S&P Global Inc COM 78409V104 499 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 9,358 1,108,773 SH   DFND   1,089,953 0 18,820
SBA Communications Corp CL A 78410G104 602 1,891 SH   DFND   1,891 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 222 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 500 5,415 SH   DFND   5,415 0 0
SSgA Funds Management Inc TR UNIT 78462F103 3,276 9,782 SH   DFND   9,782 0 0
TEXAS INSTRUMENTS COM 882508104 255 1,785 SH   DFND   1,785 0 0
TJX Cos Inc/The COM 872540109 536 9,646 SH   DFND   9,646 0 0
Texas Pacific Land Trust SUB CTF PROP I T 882610108 4,364 9,666 SH   DFND   9,666 0 0
Thermo Fisher Scientific Inc COM 883556102 1,023 2,317 SH   DFND   2,317 0 0
Twitter Inc COM 90184L102 729 16,398 SH   DFND   16,398 0 0
Union Pacific Corp COM 907818108 796 4,046 SH   DFND   4,046 0 0
UnitedHealth Group Inc COM 91324P102 851 2,730 SH   DFND   2,730 0 0
VANGUARD REAL ESTATE ETF 922908553 257 3,249 SH   DFND   3,249 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 2,071 24,989 SH   DFND   24,989 0 0
VERIZON COMMUN COM 92343V104 842 14,158 SH   DFND   14,158 0 0
VISA INC COM CL A 92826C839 1,158 5,788 SH   DFND   5,788 0 0
Vanguard ETF/USA INT-TERM CORP 92206C870 285 2,973 SH   DFND   2,973 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 270 1,583 SH   DFND   1,583 0 0
Vanguard Group Inc/The INTER TERM TREAS 92206C706 339 4,810 SH   DFND   4,810 0 0
Vertiv Holdings Co None 92537N108 614 35,469 SH   DFND   35,469 0 0
WASTE MANAGEMENT COM 94106L109 329 2,911 SH   DFND   2,911 0 0
Walmart Inc COM 931142103 696 4,971 SH   DFND   4,971 0 0
Walt Disney Co/The COM DISNEY 254687106 1,086 8,753 SH   DFND   8,753 0 0