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
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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
AXIS CAPITAL HOLDINGS LTD FOREIGN EQUITIES G0692U109 6,130 102,770 SH   DFND   102,155 0 615
ABERDEEN ASIA PACIFIC INCOME ETF - FIXED 003009107 2,688 643,184 SH   DFND   625,184 0 18,000
ALPHABET INC COMMON STOCK 02079K107 402 372 SH   DFND   372 0 0
ALPHABET INC COMMON STOCK 02079K305 381 352 SH   DFND   352 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 200 4,230 SH   DFND   4,230 0 0
AMAZON.COM INC COMMON STOCK 023135106 530 280 SH   DFND   280 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 9,924 80,394 SH   DFND   79,934 0 460
AMERICAN TOWER CORP NEW COMMON STOCK 03027X100 10,922 53,423 SH   DFND   53,108 0 315
APPLE INC COMMON STOCK 037833100 1,239 6,262 SH   DFND   6,262 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1,131 6,840 SH   DFND   6,840 0 0
BAR HARBOR BANKSHARES COMMON STOCK 066849100 11,686 439,499 SH   DFND   19,000 0 420,499
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 6,382 404,671 SH   DFND   402,021 0 2,650
BERKSHIRE HATHAWAY INC CL B NEW COMMON STOCK 084670702 1,296 6,079 SH   DFND   6,079 0 0
CSX CORP COMMON STOCK 126408103 371 4,800 SH   DFND   0 0 4,800
CANADIAN NAT RES LTD FOREIGN EQUITIES 136385101 5,116 189,747 SH   DFND   188,497 0 1,250
CHENIERE ENERGY INC 4.25 03/15/45 CONVERTIBLE CORPORATE BONDS 16411RAG4 2,190 2,797,000 PRN   DFND   2,762,000 0 35,000
CHEVRON CORP NEW COMMON STOCK 166764100 334 2,682 SH   DFND   2,298 0 384
CISCO SYS INC COMMON STOCK 17275R102 9,782 178,765 SH   DFND   177,765 0 1,000
CITIGROUP INC NEW COMMON STOCK 172967424 3,024 43,185 SH   DFND   42,635 0 550
COCA COLA CO COM COMMON STOCK 191216100 351 6,900 SH   DFND   6,900 0 0
DISNEY WALT CO COMMON STOCK 254687106 579 4,146 SH   DFND   4,146 0 0
EATON VANCE TAX MNGD GBL DV ETF - EQUITY 27829F108 133 16,020 SH   DFND   16,020 0 0
ENERGY TRANSFER LP LIMITED PARTNERSHIPS/NON RE 29273V100 176 12,500 SH   DFND   12,500 0 0
EQUITY COMWLTH CUM PFD S D 6.5 CONVERTIBLE PREFERRED STOCK 294628201 3,489 126,560 SH   DFND   121,960 0 4,600
EXXON MOBIL CORP COMMON STOCK 30231G102 819 10,691 SH   DFND   10,391 0 300
FIRST BANCORP INC COMMON STOCK 31866P102 220 8,191 SH   DFND   8,191 0 0
GENERAL MLS INC COMMON STOCK 370334104 8,105 154,325 SH   DFND   153,475 0 850
ISHARES CORE S&P 500 ETF - EQUITY 464287200 294 997 SH   DFND   997 0 0
ISHARES TR S&P GLB100 INDX ETF - EQUITY 464287572 224 4,590 SH   DFND   4,590 0 0
ISHARES RUSSELL 2000 ETF ETF - EQUITY 464287655 211 1,360 SH   DFND   1,360 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 10,347 74,292 SH   DFND   72,987 0 1,305
KINDER MORGAN INC DEL COMMON STOCK 49456B101 6,843 327,910 SH   DFND   325,860 0 2,050
LIBERTY MEDIA CORP 3.50 01/15/2031 CONVERTIBLE CORPORATE BONDS 530715AN1 9 10,454 PRN   DFND   10,454 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 202 2,000 SH   DFND   2,000 0 0
MACQUARIE INFRASTRUCTURE 2.875 07/15/19 CONVERTIBLE CORPORATE BONDS 55608BAA3 483 485,000 PRN   DFND   485,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 756 3,640 SH   DFND   3,640 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 546 6,506 SH   DFND   6,506 0 0
MICROSOFT CORP COMMON STOCK 594918104 18,491 138,035 SH   DFND   137,305 0 730
NEW JERSEY RES COM COMMON STOCK 646025106 299 6,000 SH   DFND   6,000 0 0
NUVEEN MUN VALUE FD INC ETF TAX EXEMPT 670928100 4,061 398,931 SH   DFND   390,931 0 8,000
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 481 4,200 SH   DFND   4,200 0 0
PEPSICO INC COM COMMON STOCK 713448108 1,050 8,009 SH   DFND   7,409 0 600
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109 283 3,605 SH   DFND   3,605 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 885 8,068 SH   DFND   8,068 0 0
SPDR S&P 500 ETF TR UNIT SER 1 ETF - EQUITY 78462F103 870 2,970 SH   DFND   2,970 0 0
SPDR SERIES TRUST S&P DIVID ETF ETF - EQUITY 78464A763 963 9,547 SH   DFND   9,547 0 0
SANDSTORM GOLD LTD NEW FOREIGN EQUITIES 80013R206 5,939 1,071,989 SH   DFND   1,040,219 0 31,770
SEACOR HOLDINGS 3 11/15/28 CONVERTIBLE CORPORATE BONDS 81170YAB5 300 305,000 PRN   DFND   305,000 0 0
UNITED TECHNOLOGIES CORP COM COMMON STOCK 913017109 365 2,805 SH   DFND   2,805 0 0
VANGUARD SCOTTSDALE FDS SHRT-TERM CORP ETF - FIXED 92206C409 1,907 23,632 SH   DFND   23,632 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF - FIXED 92206C870 283 3,145 SH   DFND   3,145 0 0
VANGUARD REAL ESTATE ETF ETF - OTHER 922908553 270 3,090 SH   DFND   3,090 0 0
VISA INC COMMON STOCK 92826C839 11,385 65,600 SH   DFND   65,240 0 360
WPP PLC NEW FOREIGN EQUITIES 92937A102 5,969 94,894 SH   DFND   94,314 0 580
YUM BRANDS INC COM COMMON STOCK 988498101 377 3,410 SH   DFND   3,410 0 0