Carl P. Sherr & Co. 13F-HR Quarterly holdings report by institutional manager

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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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
ABBOTT LABS	COM	002824100	236	1,996	SH		SOLE		0	0	1,996
ABBVIE INC	COM	00287Y109	714	4,403	SH		SOLE		0	0	4,403
ADOBE SYSTEMS INCORPORATED	COM	00724F101	423	928	SH		SOLE		0	0	928
ALPHABET INC	CAP STK CL C	02079K107	1,500	537	SH		SOLE		0	0	537
AMAZON COM INC	COM	023135106	666	204	SH		SOLE		0	0	204
AMERICAN EXPRESS CO	COM	025816109	1,711	9,148	SH		SOLE		0	0	9,148
AMES NATL CORP	COM	031001100	972	39,106	SH		SOLE		0	0	39,106
AMGEN INC	COM	031162100	728	3,010	SH		SOLE		0	0	3,010
APPLE INC	COM	037833100	9,579	54,861	SH		SOLE		0	0	54,861
BANKWELL FINL GROUP INC	COM	06654A103	271	8,000	SH		SOLE		0	0	8,000
BAR HBR BANKSHARES	COM	066849100	600	20,959	SH		SOLE		0	0	20,959
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	317	898	SH		SOLE		0	0	898
BK OF AMERICA CORP	COM	060505104	569	13,815	SH		SOLE		0	0	13,815
BLACKROCK INC	COM	09247X101	783	1,025	SH		SOLE		0	0	1,025
BLACKSTONE INC	COM	09260D107	286	2,250	SH		SOLE		0	0	2,250
BOSTON PROPERTIES INC	COM	101121101	740	5,749	SH		SOLE		0	0	5,749
BRISTOL-MYERS SQUIBB CO	COM	110122108	514	7,039	SH		SOLE		0	0	7,039
BRUNSWICK CORP	COM	117043109	627	7,752	SH		SOLE		0	0	7,752
CAMBRIDGE BANCORP	COM	132152109	956	11,252	SH		SOLE		0	0	11,252
CAMDEN NATL CORP	COM	133034108	1,113	23,659	SH		SOLE		0	0	23,659
COMMUNITY BK SYS INC	COM	203607106	364	5,189	SH		SOLE		0	0	5,189
COSTCO WHSL CORP NEW	COM	22160K105	2,036	3,535	SH		SOLE		0	0	3,535
CVS HEALTH CORP	COM	126650100	524	5,176	SH		SOLE		0	0	5,176
DELTA AIR LINES INC DEL	COM NEW	247361702	623	15,738	SH		SOLE		0	0	15,738
DISNEY WALT CO	COM	254687106	2,834	20,664	SH		SOLE		0	0	20,664
DNP SELECT INCOME FD INC	COM	23325P104	919	77,774	SH		SOLE		0	0	77,774
DUKE ENERGY CORP NEW	COM NEW	26441C204	458	4,098	SH		SOLE		0	0	4,098
ENTERPRISE BANCORP INC MASS	COM	293668109	1,258	31,353	SH		SOLE		0	0	31,353
ETF SER SOLUTIONS	US GLB JETS	26922A842	263	12,098	SH		SOLE		0	0	12,098
FERRARI N V	COM	N3167Y103	226	1,037	SH		SOLE		0	0	1,037
FORD MTR CO DEL	COM	345370860	950	56,166	SH		SOLE		0	0	56,166
GENERAL MTRS CO	COM	37045V100	733	16,759	SH		SOLE		0	0	16,759
HANOVER INS GROUP INC	COM	410867105	254	1,700	SH		SOLE		0	0	1,700
HELIX ENERGY SOLUTIONS GRP I	COM	42330P107	98	20,500	SH		SOLE		0	0	20,500
HOME DEPOT INC	COM	437076102	3,535	11,810	SH		SOLE		0	0	11,810
HONEYWELL INTL INC	COM	438516106	1,017	5,229	SH		SOLE		0	0	5,229
ILLINOIS TOOL WKS INC	COM	452308109	367	1,752	SH		SOLE		0	0	1,752
INDEPENDENT BK CORP MASS	COM	453836108	709	8,679	SH		SOLE		0	0	8,679
INVESCO QQQ TR	UNIT SER 1	46090E103	2,216	6,113	SH		SOLE		0	0	6,113
ISHARES TR	SELECT DIVID ETF	464287168	440	3,432	SH		SOLE		0	0	3,432
ISHARES TR	CORE S&P500 ETF	464287200	2,265	4,992	SH		SOLE		0	0	4,992
ISHARES TR	CORE US AGGBD ET	464287226	229	2,140	SH		SOLE		0	0	2,140
ISHARES TR	S&P 500 GRWT ETF	464287309	11,944	156,379	SH		SOLE		0	0	156,379
ISHARES TR	S&P 500 VAL ETF	464287408	999	6,418	SH		SOLE		0	0	6,418
ISHARES TR	RUS MDCP VAL ETF	464287473	510	4,263	SH		SOLE		0	0	4,263
ISHARES TR	RUS MD CP GR ETF	464287481	1,889	18,795	SH		SOLE		0	0	18,795
ISHARES TR	RUS MID CAP ETF	464287499	702	9,001	SH		SOLE		0	0	9,001
ISHARES TR	CORE S&P MCP ETF	464287507	723	2,694	SH		SOLE		0	0	2,694
ISHARES TR	S&P MC 400GR ETF	464287606	329	4,260	SH		SOLE		0	0	4,260
ISHARES TR	RUS 2000 GRW ETF	464287648	403	1,575	SH		SOLE		0	0	1,575
ISHARES TR	CORE S&P US VLU	464287663	5,753	75,830	SH		SOLE		0	0	75,830
ISHARES TR	U.S. UTILITS ETF	464287697	334	3,670	SH		SOLE		0	0	3,670
ISHARES TR	CORE S&P SCP ETF	464287804	249	2,305	SH		SOLE		0	0	2,305
ISHARES TR	S&P SML 600 GWT	464287887	1,740	13,910	SH		SOLE		0	0	13,910
ISHARES TR	SHRT NAT MUN ETF	464288158	202	1,929	SH		SOLE		0	0	1,929
ISHARES TR	NEW YORK MUN ETF	464288323	316	5,785	SH		SOLE		0	0	5,785
ISHARES TR	CALIF MUN BD ETF	464288356	758	13,026	SH		SOLE		0	0	13,026
ISHARES TR	NATIONAL MUN ETF	464288414	1,585	14,457	SH		SOLE		0	0	14,457
ISHARES TR	ISHS 5-10YR INVT	464288638	959	17,482	SH		SOLE		0	0	17,482
ISHARES TR	ISHS 1-5YR INVS	464288646	8,069	156,005	SH		SOLE		0	0	156,005
ISHARES TR	US HOME CONS ETF	464288752	827	13,951	SH		SOLE		0	0	13,951
ISHARES TR	US HLTHCR PR ETF	464288828	958	3,386	SH		SOLE		0	0	3,386
ISHARES TR	MSCI USA MIN VOL	46429B697	323	4,165	SH		SOLE		0	0	4,165
ISHARES TR	CORE MSCI TOTAL	46432F834	5,382	80,841	SH		SOLE		0	0	80,841
ISHARES TR	CORE MSCI EAFE	46432F842	281	4,044	SH		SOLE		0	0	4,044
ISHARES TR	CORE 1 5 YR USD	46432F859	8,365	172,614	SH		SOLE		0	0	172,614
ISHARES TR	IBONDS DEC23 ETF	46434VAX8	249	9,860	SH		SOLE		0	0	9,860
ISHARES TR	0-5YR INVT GR CP	46434V100	684	13,866	SH		SOLE		0	0	13,866
ISHARES TR	0-5YR HI YL CP	46434V407	421	9,586	SH		SOLE		0	0	9,586
ISHARES TR	IBONDS DEC2023	46435G318	279	10,935	SH		SOLE		0	0	10,935
ISHARES TR	SELF DRIVNG EV	46435U366	781	16,816	SH		SOLE		0	0	16,816
ISHARES TR	IBONDS DEC	46435U697	251	9,665	SH		SOLE		0	0	9,665
JOHNSON & JOHNSON	COM	478160104	2,758	15,560	SH		SOLE		0	0	15,560
JPMORGAN CHASE & CO	COM	46625H100	1,482	10,871	SH		SOLE		0	0	10,871
LILLY ELI & CO	COM	532457108	1,697	5,925	SH		SOLE		0	0	5,925
LOCKHEED MARTIN CORP	COM	539830109	245	555	SH		SOLE		0	0	555
LULULEMON ATHLETICA INC	COM	550021109	1,312	3,591	SH		SOLE		0	0	3,591
MARRIOTT INTL INC NEW	CL A	571903202	567	3,225	SH		SOLE		0	0	3,225
MATCH GROUP INC NEW	COM	57667L107	475	4,371	SH		SOLE		0	0	4,371
MCDONALDS CORP	COM	580135101	1,654	6,690	SH		SOLE		0	0	6,690
MERCK & CO INC	COM	58933Y105	455	5,543	SH		SOLE		0	0	5,543
META PLATFORMS INC	CL A	30303M102	1,193	5,366	SH		SOLE		0	0	5,366
MICROCHIP TECHNOLOGY INC.	COM	595017104	921	12,259	SH		SOLE		0	0	12,259
MICROSOFT CORP	COM	594918104	5,022	16,288	SH		SOLE		0	0	16,288
MODERNA INC	COM	60770K107	788	4,576	SH		SOLE		0	0	4,576
NEXTERA ENERGY INC	COM	65339F101	986	11,645	SH		SOLE		0	0	11,645
NIKE INC	CL B	654106103	1,505	11,185	SH		SOLE		0	0	11,185
NVIDIA CORPORATION	COM	67066G104	437	1,601	SH		SOLE		0	0	1,601
OCEANFIRST FINL CORP	COM	675234108	909	45,214	SH		SOLE		0	0	45,214
PAYPAL HLDGS INC	COM	70450Y103	545	4,715	SH		SOLE		0	0	4,715
PEPSICO INC	COM	713448108	1,151	6,878	SH		SOLE		0	0	6,878
PFIZER INC	COM	717081103	321	6,198	SH		SOLE		0	0	6,198
PIMCO HIGH INCOME FD	COM SHS	722014107	186	32,100	SH		SOLE		0	0	32,100
PROCTER AND GAMBLE CO	COM	742718109	520	3,401	SH		SOLE		0	0	3,401
SAFETY INS GROUP INC	COM	78648T100	2,176	23,957	SH		SOLE		0	0	23,957
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	246	1,550	SH		SOLE		0	0	1,550
SIMON PPTY GROUP INC NEW	COM	828806109	1,010	7,677	SH		SOLE		0	0	7,677
SPDR S&P 500 ETF TR	TR UNIT	78462F103	544	1,204	SH		SOLE		0	0	1,204
SPDR SER TR	S&P HOMEBUILD	78464A888	374	5,924	SH		SOLE		0	0	5,924
STARBUCKS CORP	COM	855244109	1,957	21,513	SH		SOLE		0	0	21,513
SYSCO CORP	COM	871829107	460	5,633	SH		SOLE		0	0	5,633
TRACTOR SUPPLY CO	COM	892356106	280	1,200	SH		SOLE		0	0	1,200
UNION PAC CORP	COM	907818108	866	3,170	SH		SOLE		0	0	3,170
UNITED PARCEL SERVICE INC	CL B	911312106	833	3,883	SH		SOLE		0	0	3,883
UNUM GROUP	COM	91529Y106	209	6,626	SH		SOLE		0	0	6,626
VAIL RESORTS INC	COM	91879Q109	1,214	4,666	SH		SOLE		0	0	4,666
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	214	2,610	SH		SOLE		0	0	2,610
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	538	2,169	SH		SOLE		0	0	2,169
VANGUARD INDEX FDS	GROWTH ETF	922908736	853	2,965	SH		SOLE		0	0	2,965
VANGUARD INDEX FDS	VALUE ETF	922908744	341	2,310	SH		SOLE		0	0	2,310
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,418	43,764	SH		SOLE		0	0	43,764
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	552	6,412	SH		SOLE		0	0	6,412
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	239	1,476	SH		SOLE		0	0	1,476
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	393	4,207	SH		SOLE		0	0	4,207
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	852	5,268	SH		SOLE		0	0	5,268
VISA INC	COM CL A	92826C839	1,294	5,836	SH		SOLE		0	0	5,836
WALMART INC	COM	931142103	209	1,401	SH		SOLE		0	0	1,401
WEC ENERGY GROUP INC	COM	92939U106	430	4,305	SH		SOLE		0	0	4,305
YUM BRANDS INC	COM	988498101	353	2,979	SH		SOLE		0	0	2,979
ZOETIS INC	CL A	98978V103	1,335	7,081	SH		SOLE		0	0	7,081