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 COMPANY COM 88579Y101 3,704 23,743 SH   SOLE 0 23,743 0 0
ABBOTT LABORATORIES COM 002824100 9,999 109,357 SH   SOLE 0 109,357 0 0
ABBVIE INC. COM 00287Y109 1,598 16,279 SH   SOLE 0 16,279 0 0
ADOBE SYSTEMS INC COM 00724F101 241 554 SH   SOLE 0 554 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 386 1,600 SH   SOLE 0 1,600 0 0
ALLIANCE BERNSTEIN GL HIGH CEF COM 01879R106 604 59,842 SH   SOLE 0 59,842 0 0
ALPHABET INC - CL A (Voting) COM 02079K305 3,202 2,258 SH   SOLE 0 2,258 0 0
ALPHABET INC - CL C (Non-Voting) COM 02079K107 1,855 1,312 SH   SOLE 0 1,312 0 0
ALTRIA GROUP INC COM 02209S103 250 6,370 SH   SOLE 0 6,370 0 0
AMAZON.COM INC COM 023135106 2,775 1,006 SH   SOLE 0 1,006 0 0
AMERICAN EXPRESS CO COM 025816109 5,025 52,782 SH   SOLE 0 52,782 0 0
AMERISOURCEBERGEN CORP COM 03073E105 304 3,020 SH   SOLE 0 3,020 0 0
APPLE INC. COM 037833100 1,650 4,523 SH   SOLE 0 4,523 0 0
AT&T INC COM 00206R102 2,175 71,948 SH   SOLE 0 71,948 0 0
AUTOMATIC DATA PROCESSING COM 053015103 2,823 18,661 SH   SOLE 0 18,661 0 0
AVERY DENNISON CORP COM 053611109 788 6,910 SH   SOLE 0 6,910 0 0
BANK OF AMERICA CORP COM 060505104 366 15,428 SH   SOLE 0 15,428 0 0
BAR HARBOR BANKSHARES COM 066849100 304 13,571 SH   SOLE 0 13,571 0 0
BARINGS CORPORATE INVESTORS COM 06759X107 2,373 176,579 SH   SOLE 0 176,579 0 0
BECTON DICKINSON & CO. COM 075887109 6,482 27,090 SH   SOLE 0 27,090 0 0
CANADIAN NATL RAILWAY CO COM 136375102 232 2,625 SH   SOLE 0 2,625 0 0
CAPITAL ONE FINANCIAL CORP COM 14040H105 233 3,721 SH   SOLE 0 3,721 0 0
CARRIER GLOBAL CORP COM 241509997 461 20,742 SH   SOLE 0 20,742 0 0
CHEVRON CORP COM 166764100 3,656 40,973 SH   SOLE 0 40,973 0 0
CHUBB LTD COM H1467J104 319 2,516 SH   SOLE 0 2,516 0 0
CHURCH & DWIGHT CO INC COM 171340102 1,196 15,470 SH   SOLE 0 15,470 0 0
CISCO SYSTEMS INC COM 17275R102 490 10,516 SH   SOLE 0 10,516 0 0
COCA-COLA COMPANY COM 191216100 6,235 139,549 SH   SOLE 0 139,549 0 0
COMCAST CORP - CL A COM 20030N101 1,785 45,782 SH   SOLE 0 45,782 0 0
CONSTELLATION BRANDS INC A COM 21036P108 1,525 8,718 SH   SOLE 0 8,718 0 0
CVS HEALTH CORP COM 126650100 616 9,486 SH   SOLE 0 9,486 0 0
DANAHER CORP COM 235851102 8,209 46,422 SH   SOLE 0 46,422 0 0
DASSAULT SYSTEMES SA ADR COM 237545108 1,730 10,000 SH   SOLE 0 10,000 0 0
DIAGEO PLC - ADR COM 25243Q205 3,866 28,767 SH   SOLE 0 28,767 0 0
DOMINION RESOURCES, INC. COM 25746U109 2,558 31,514 SH   SOLE 0 31,514 0 0
DUKE ENERGY CORPORATION COM 26441C204 2,592 32,444 SH   SOLE 0 32,444 0 0
EBAY INC COM 278642103 258 4,924 SH   SOLE 0 4,924 0 0
ECOLAB INC COM 278865100 3,955 19,880 SH   SOLE 0 19,880 0 0
EMERA INC. COM 290876101 2,199 56,098 SH   SOLE 0 56,098 0 0
EMERSON ELECTRIC CO COM 291011104 3,307 53,305 SH   SOLE 0 53,305 0 0
EXXON MOBIL CORP COM 30231G102 4,269 95,457 SH   SOLE 0 95,457 0 0
FIDELITY NATIONAL INFORMATION SERVICES, INC. COM 31620M106 3,407 25,406 SH   SOLE 0 25,406 0 0
FORTIVE CORP COM 34959J108 2,825 41,750 SH   SOLE 0 41,750 0 0
FORTUNE BRANDS HOME & SECURITY, INC. COM 34964C106 1,509 23,600 SH   SOLE 0 23,600 0 0
GENERAL ELECTRIC CO COM 369604103 92 13,411 SH   SOLE 0 13,411 0 0
GENERAL MILLS INC COM 370334104 4,992 80,969 SH   SOLE 0 80,969 0 0
GILEAD SCIENCES, INC. COM 375558103 1,505 19,557 SH   SOLE 0 19,557 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 201 1,015 SH   SOLE 0 1,015 0 0
HOME DEPOT INC COM 437076102 2,984 11,910 SH   SOLE 0 11,910 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 927 6,413 SH   SOLE 0 6,413 0 0
ILLINOIS TOOL WORKS COM 452308109 7,668 43,855 SH   SOLE 0 43,855 0 0
INTEL CORP COM 458140100 5,295 88,502 SH   SOLE 0 88,502 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 637 5,200 SH   SOLE 0 5,200 0 0
JM SMUCKER COMPANY COM 832696405 1,164 11,000 SH   SOLE 0 11,000 0 0
JOHNSON & JOHNSON COM 478160104 9,071 64,506 SH   SOLE 0 64,506 0 0
JPMORGAN CHASE & CO. COM 46625H100 416 4,421 SH   SOLE 0 4,421 0 0
KEYCORP COM 493267108 308 25,276 SH   SOLE 0 25,276 0 0
KIMBERLY-CLARK CORP COM 494368103 7,670 54,262 SH   SOLE 0 54,262 0 0
L3 HARRIS TECHNOLOGIES COM 502431109 224 1,319 SH   SOLE 0 1,319 0 0
LINDE PLC COM G5494J103 6,213 29,293 SH   SOLE 0 29,293 0 0
M & T BANK CORPORATION COM 55261F104 2,833 27,246 SH   SOLE 0 27,246 0 0
MASCO CORP COM 574599106 2,723 54,230 SH   SOLE 0 54,230 0 0
MASTERCARD, INC. COM 57636Q104 7,369 24,922 SH   SOLE 0 24,922 0 0
MCDONALD`S CORP COM 580135101 6,291 34,105 SH   SOLE 0 34,105 0 0
MEDTRONIC, PLC COM 585055106 222 2,422 SH   SOLE 0 2,422 0 0
MERCK & CO. INC. COM 58933Y105 6,025 77,909 SH   SOLE 0 77,909 0 0
MICROSOFT CORP COM 594918104 15,311 75,237 SH   SOLE 0 75,237 0 0
MONDELEZ INTERNATIONAL INC COM 609207105 1,150 22,488 SH   SOLE 0 22,488 0 0
NESTLE SA - ADR COM 641069406 6,668 60,380 SH   SOLE 0 60,380 0 0
NIKE, INC. - CL B COM 654106103 284 2,898 SH   SOLE 0 2,898 0 0
NVIDIA CORP COM 67066G104 2,728 7,180 SH   SOLE 0 7,180 0 0
OTIS WORLDWIDE CORP COM 68902V107 1,493 26,266 SH   SOLE 0 26,266 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 850 4,880 SH   SOLE 0 4,880 0 0
PEPSICO INC COM 713448108 8,931 67,526 SH   SOLE 0 67,526 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 5,397 77,035 SH   SOLE 0 77,035 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 3,746 35,602 SH   SOLE 0 35,602 0 0
PROCTER & GAMBLE COMPANY COM 742718109 8,064 67,441 SH   SOLE 0 67,441 0 0
PROGRESSIVE CORPORATION COM 743315103 318 3,970 SH   SOLE 0 3,970 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,662 59,424 SH   SOLE 0 59,424 0 0
ROCHE HOLDINGS LTD - ADR COM 771195104 2,477 57,102 SH   SOLE 0 57,102 0 0
ROYAL DUTCH SHELL PLC - ADR B COM 780259107 607 19,945 SH   SOLE 0 19,945 0 0
SALESFORCE.COM, INC. COM 79466L302 707 3,775 SH   SOLE 0 3,775 0 0
SOUTHERN COMPANY COM 842587107 3,933 75,862 SH   SOLE 0 75,862 0 0
SS&C TECHNOLOGIES HOLDINGS INC COM 78467J100 226 4,000 SH   SOLE 0 4,000 0 0
STANLEY BLACK & DECKER INC COM 854502101 4,517 32,410 SH   SOLE 0 32,410 0 0
STRYKER CORP COM 863667101 1,985 11,017 SH   SOLE 0 11,017 0 0
SYSCO CORP COM 871829107 4,061 74,300 SH   SOLE 0 74,300 0 0
T. ROWE PRICE GROUP INC. COM 74144T108 7,150 57,898 SH   SOLE 0 57,898 0 0
TEXAS INSTRUMENTS INC COM 882508104 5,966 46,987 SH   SOLE 0 46,987 0 0
THERMO FISHER SCIENTIFIC, INC. COM 883556102 2,937 8,107 SH   SOLE 0 8,107 0 0
TRAVELERS COMPANIES, INC. COM 89417E109 606 5,312 SH   SOLE 0 5,312 0 0
U.S. BANCORP COM 902973304 1,112 30,205 SH   SOLE 0 30,205 0 0
UNILEVER PLC - ADR COM 904767704 3,004 54,732 SH   SOLE 0 54,732 0 0
UNITED PARCEL SERVICE - CL B COM 911312106 4,466 40,167 SH   SOLE 0 40,167 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,050 10,340 SH   SOLE 0 10,340 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,906 70,846 SH   SOLE 0 70,846 0 0
VISA INC COM 92826C839 647 3,350 SH   SOLE 0 3,350 0 0
WAL-MART STORES INC COM 931142103 265 2,216 SH   SOLE 0 2,216 0 0
WALT DISNEY COMPANY COM 254687106 1,130 10,132 SH   SOLE 0 10,132 0 0
WEBSTER FINANCIAL CORP COM 947890109 267 9,336 SH   SOLE 0 9,336 0 0