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
AXIS CAPITAL HOLDINGS LTD FOREIGN EQUITIES G0692U109 6,822 102,252 SH   DFND   101,637 0 615
AT&T INC COMMON STOCK 00206R102 386 10,209 SH   DFND   10,209 0 0
ABERDEEN ASIA PACIFIC INCOME ETF - FIXED 003009107 2,665 636,024 SH   DFND   618,024 0 18,000
ALPHABET INC COMMON STOCK 02079K107 453 372 SH   DFND   372 0 0
ALPHABET INC COMMON STOCK 02079K305 430 352 SH   DFND   352 0 0
AMAZON.COM INC COMMON STOCK 023135106 469 270 SH   DFND   270 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 9,208 77,850 SH   DFND   77,390 0 460
AMERICAN TOWER CORP NEW COMMON STOCK 03027X100 11,523 52,109 SH   DFND   51,794 0 315
APPLE INC COMMON STOCK 037833100 1,349 6,022 SH   DFND   6,022 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1,094 6,775 SH   DFND   6,775 0 0
BAR HARBOR BANKSHARES COMMON STOCK 066849100 10,955 439,434 SH   DFND   19,000 0 420,434
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 7,048 406,916 SH   DFND   404,266 0 2,650
BERKSHIRE HATHAWAY INC CL B NEW COMMON STOCK 084670702 1,213 5,829 SH   DFND   5,829 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5,461 107,709 SH   DFND   106,984 0 725
CSX CORP COMMON STOCK 126408103 312 4,500 SH   DFND   0 0 4,500
CANADIAN NAT RES LTD FOREIGN EQUITIES 136385101 5,017 188,466 SH   DFND   187,216 0 1,250
CHENIERE ENERGY INC 4.25 03/15/45 CONVERTIBLE CORPORATE BONDS 16411RAG4 2,246 2,912,000 PRN   DFND   2,877,000 0 35,000
CHEVRON CORP NEW COMMON STOCK 166764100 336 2,832 SH   DFND   2,448 0 384
CISCO SYS INC COMMON STOCK 17275R102 8,500 172,060 SH   DFND   171,060 0 1,000
COCA COLA CO COM COMMON STOCK 191216100 383 7,034 SH   DFND   7,034 0 0
DISNEY WALT CO COMMON STOCK 254687106 582 4,466 SH   DFND   4,466 0 0
EATON VANCE TAX MNGD GBL DV ETF - EQUITY 27829F108 132 16,020 SH   DFND   16,020 0 0
ENERGY TRANSFER LP LIMITED PARTNERSHIPS/NON RE 29273V100 164 12,500 SH   DFND   12,500 0 0
EQUITY COMWLTH CUM PFD S D 6.5 CONVERTIBLE PREFERRED STOCK 294628201 3,825 136,412 SH   DFND   131,812 0 4,600
EXXON MOBIL CORP COMMON STOCK 30231G102 733 10,376 SH   DFND   10,076 0 300
FIRST BANCORP INC COMMON STOCK 31866P102 225 8,191 SH   DFND   8,191 0 0
GENERAL MLS INC COMMON STOCK 370334104 8,338 151,302 SH   DFND   150,452 0 850
INTEL CORP COM COMMON STOCK 458140100 204 3,967 SH   DFND   3,967 0 0
ISHARES CORE S&P 500 ETF - EQUITY 464287200 283 947 SH   DFND   947 0 0
ISHARES TR S&P GLB100 INDX ETF - EQUITY 464287572 227 4,590 SH   DFND   4,590 0 0
ISHARES RUSSELL 2000 ETF ETF - EQUITY 464287655 206 1,360 SH   DFND   1,360 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 9,323 72,063 SH   DFND   70,758 0 1,305
KINDER MORGAN INC DEL COMMON STOCK 49456B101 6,687 324,447 SH   DFND   322,397 0 2,050
LIBERTY MEDIA CORP 3.50 01/15/2031 CONVERTIBLE CORPORATE BONDS 530715AN1 9 10,287 PRN   DFND   10,287 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 220 2,000 SH   DFND   2,000 0 0
MASCO CORP COMMON STOCK 574599106 5,609 134,585 SH   DFND   133,685 0 900
MCDONALDS CORP COMMON STOCK 580135101 782 3,640 SH   DFND   3,640 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 522 6,196 SH   DFND   6,196 0 0
MICROSOFT CORP COMMON STOCK 594918104 16,678 119,964 SH   DFND   119,319 0 645
NUVEEN MUN VALUE FD INC ETF TAX EXEMPT 670928100 5,572 530,156 SH   DFND   522,156 0 8,000
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 435 4,200 SH   DFND   4,200 0 0
PEPSICO INC COM COMMON STOCK 713448108 1,116 8,143 SH   DFND   7,543 0 600
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109 274 3,605 SH   DFND   3,605 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 1,003 8,064 SH   DFND   8,064 0 0
SPDR S&P 500 ETF TR UNIT SER 1 ETF - EQUITY 78462F103 869 2,928 SH   DFND   2,928 0 0
SPDR SERIES TRUST S&P DIVID ETF ETF - EQUITY 78464A763 886 8,633 SH   DFND   8,633 0 0
SANDSTORM GOLD LTD NEW FOREIGN EQUITIES 80013R206 6,498 1,152,102 SH   DFND   1,120,332 0 31,770
SCIENCE APPLICATNS INTL CP N COMMON STOCK 808625107 5,925 67,826 SH   DFND   67,376 0 450
UNITED TECHNOLOGIES CORP COM COMMON STOCK 913017109 383 2,805 SH   DFND   2,805 0 0
VANGUARD SCOTTSDALE FDS SHRT-TERM CORP ETF - FIXED 92206C409 1,976 24,377 SH   DFND   24,377 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF - FIXED 92206C870 297 3,251 SH   DFND   3,251 0 0
VANGUARD REAL ESTATE ETF ETF - OTHER 922908553 287 3,082 SH   DFND   3,082 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 402 6,661 SH   DFND   6,661 0 0
VISA INC COMMON STOCK 92826C839 10,807 62,829 SH   DFND   62,469 0 360
WPP PLC NEW FOREIGN EQUITIES 92937A102 5,588 89,276 SH   DFND   88,696 0 580
WEYERHAEUSER CO COMMON STOCK 962166104 6,253 225,730 SH   DFND   224,305 0 1,425
YUM BRANDS INC COM COMMON STOCK 988498101 330 2,910 SH   DFND   2,910 0 0