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
Expires:	Oct 31, 2018
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
EATON CORP PLC	SHS	G29183103	637,976	2,649	SH		SOLE		1,405	0	1,244
FERGUSON PLC NEW	SHS	G3421J106	1,390,255	7,201	SH		SOLE		4,234	0	2,967
FERRARI N V	COM	N3167Y103	354,566	1,048	SH		SOLE		0	0	1,048
ABBVIE INC	COM	00287Y109	816,692	5,270	SH		SOLE		5,270	0	0
ADOBE INC	COM	00724F101	417,620	700	SH		SOLE		700	0	0
ALPHABET INC	CAP STK CL C	02079K107	1,676,954	11,899	SH		SOLE		7,519	0	4,380
ALPHABET INC	CAP STK CL A	02079K305	399,513	2,860	SH		SOLE		2,860	0	0
AMAZON COM INC	COM	023135106	1,032,736	6,797	SH		SOLE		5,152	0	1,645
AMERICAN EXPRESS CO	COM	025816109	1,760,471	9,397	SH		SOLE		8,305	0	1,092
AMES NATL CORP	COM	031001100	671,436	31,464	SH		SOLE		29,664	0	1,800
AMGEN INC	COM	031162100	937,793	3,256	SH		SOLE		3,256	0	0
APPLE INC	COM	037833100	9,973,171	51,801	SH		SOLE		42,198	0	9,603
ARROW FINL CORP	COM	042744102	210,123	7,520	SH		SOLE		5,201	0	2,319
BANK AMERICA CORP	COM	060505104	637,224	18,926	SH		SOLE		11,207	0	7,718
BANKWELL FINL GROUP INC	COM	06654A103	241,440	8,000	SH		SOLE		8,000	0	0
BAR HBR BANKSHARES	COM	066849100	619,744	21,108	SH		SOLE		20,699	0	409
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	610,602	1,712	SH		SOLE		1,492	0	220
BLACKROCK INC	COM	09247X101	832,095	1,025	SH		SOLE		1,025	0	0
BLACKROCK TAX MUNICPAL BD TR	SHS	09248X100	192,031	11,810	SH		SOLE		11,810	0	0
BLACKSTONE INC	COM	09260D107	294,570	2,250	SH		SOLE		2,250	0	0
BRUNSWICK CORP	COM	117043109	532,959	5,509	SH		SOLE		5,159	0	350
CVS HEALTH CORP	COM	126650100	300,206	3,802	SH		SOLE		3,577	0	225
CAMDEN NATL CORP	COM	133034108	1,040,645	27,655	SH		SOLE		21,975	0	5,680
CHIPOTLE MEXICAN GRILL INC	COM	169656105	233,270	102	SH		SOLE		37	0	65
CITIZENS FINL GROUP INC	COM	174610105	713,056	21,516	SH		SOLE		13,088	0	8,428
COMMUNITY BK SYS INC	COM	203607106	425,737	8,170	SH		SOLE		5,189	0	2,981
COSTCO WHSL CORP NEW	COM	22160K105	2,346,584	3,555	SH		SOLE		3,555	0	0
DNP SELECT INCOME FD INC	COM	23325P104	955,929	112,728	SH		SOLE		112,728	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	370,916	9,220	SH		SOLE		7,310	0	1,910
DISNEY WALT CO	COM	254687106	1,241,231	13,747	SH		SOLE		13,183	0	564
DUKE ENERGY CORP NEW	COM NEW	26441C204	264,046	2,721	SH		SOLE		2,721	0	0
ENTERPRISE BANCORP INC MASS	COM	293668109	926,160	28,709	SH		SOLE		19,093	0	9,616
META PLATFORMS INC	CL A	30303M102	928,791	2,624	SH		SOLE		1,919	0	705
FORD MTR CO DEL	COM	345370860	135,064	11,080	SH		SOLE		9,804	0	1,276
GENERAL MTRS CO	COM	37045V100	327,728	9,124	SH		SOLE		6,217	0	2,907
GUGGENHEIM TAXABLE MUNICP BO	COM	401664107	183,352	11,325	SH		SOLE		11,325	0	0
HCA HEALTHCARE INC	COM	40412C101	243,883	901	SH		SOLE		205	0	696
HANCOCK JOHN PREM DIVID FD	COM SH BEN INT	41013T105	273,652	25,695	SH		SOLE		25,695	0	0
HOME DEPOT INC	COM	437076102	3,864,260	11,151	SH		SOLE		9,845	0	1,306
HONEYWELL INTL INC	COM	438516106	1,096,526	5,229	SH		SOLE		4,396	0	833
ILLINOIS TOOL WKS INC	COM	452308109	458,889	1,752	SH		SOLE		1,752	0	0
INDEPENDENT BK CORP MASS	COM	453836108	523,000	7,947	SH		SOLE		7,672	0	275
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,373,562	8,398	SH		SOLE		4,301	0	4,097
INVESCO QQQ TR	UNIT SER 1	46090E103	2,612,384	6,379	SH		SOLE		5,919	0	460
ISHARES TR	CORE S&P TTL STK	464287150	417,842	3,971	SH		SOLE		3,951	0	20
ISHARES TR	SELECT DIVID ETF	464287168	402,299	3,432	SH		SOLE		3,432	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,265,720	2,650	SH		SOLE		2,409	0	241
ISHARES TR	S&P 500 GRWT ETF	464287309	11,843,528	157,703	SH		SOLE		151,163	0	6,540
ISHARES TR	S&P 500 VAL ETF	464287408	795,051	4,572	SH		SOLE		4,395	0	177
ISHARES TR	RUS MD CP GR ETF	464287481	789,718	7,560	SH		SOLE		7,267	0	293
ISHARES TR	RUS MID CAP ETF	464287499	3,084,034	39,676	SH		SOLE		37,223	0	2,453
ISHARES TR	CORE S&P MCP ETF	464287507	610,307	2,202	SH		SOLE		2,092	0	110
ISHARES TR	S&P MC 400GR ETF	464287606	292,797	3,696	SH		SOLE		3,696	0	0
ISHARES TR	CORE S&P US VLU	464287663	11,472,313	136,041	SH		SOLE		125,976	0	10,065
ISHARES TR	U.S. UTILITS ETF	464287697	298,698	3,737	SH		SOLE		2,140	0	1,597
ISHARES TR	CORE S&P SCP ETF	464287804	3,396,628	31,378	SH		SOLE		29,049	0	2,329
ISHARES TR	S&P SML 600 GWT	464287887	649,101	5,187	SH		SOLE		5,187	0	0
ISHARES TR	NEW YORK MUN ETF	464288323	259,632	4,800	SH		SOLE		4,800	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	824,428	14,229	SH		SOLE		0	0	14,229
ISHARES TR	NATIONAL MUN ETF	464288414	1,819,901	16,787	SH		SOLE		11,983	0	4,804
ISHARES TR	ISHS 5-10YR INVT	464288638	15,191,898	292,152	SH		SOLE		254,635	0	37,517
ISHARES TR	PFD AND INCM SEC	464288687	202,267	6,485	SH		SOLE		6,485	0	0
ISHARES TR	US HLTHCR PR ETF	464288828	837,796	3,191	SH		SOLE		1,774	0	1,417
ISHARES TR	MSCI USA MIN VOL	46429B697	231,437	2,966	SH		SOLE		1,805	0	1,161
ISHARES TR	CORE MSCI TOTAL	46432F834	6,920,129	106,578	SH		SOLE		101,955	0	4,623
ISHARES TR	CORE 1 5 YR USD	46432F859	2,909,753	61,181	SH		SOLE		55,652	0	5,529
ISHARES TR	CORE DIV GRWTH	46434V621	338,043	6,281	SH		SOLE		3,406	0	2,875
JPMORGAN CHASE & CO	COM	46625H100	2,437,203	14,328	SH		SOLE		12,643	0	1,685
JOHNSON & JOHNSON	COM	478160104	2,002,788	12,778	SH		SOLE		11,939	0	839
ELI LILLY & CO	COM	532457108	3,099,386	5,317	SH		SOLE		5,151	0	166
LOCKHEED MARTIN CORP	COM	539830109	256,534	566	SH		SOLE		373	0	193
LULULEMON ATHLETICA INC	COM	550021109	1,437,236	2,811	SH		SOLE		2,086	0	725
MARRIOTT INTL INC NEW	CL A	571903202	727,270	3,225	SH		SOLE		3,225	0	0
MCDONALDS CORP	COM	580135101	2,356,463	7,947	SH		SOLE		7,281	0	666
MERCK & CO INC	COM	58933Y105	912,333	8,368	SH		SOLE		7,803	0	565
MICROSOFT CORP	COM	594918104	7,149,178	19,012	SH		SOLE		16,464	0	2,548
MICROCHIP TECHNOLOGY INC.	COM	595017104	1,043,392	11,570	SH		SOLE		8,490	0	3,080
MODERNA INC	COM	60770K107	302,626	3,043	SH		SOLE		1,182	0	1,861
NEXTERA ENERGY INC	COM	65339F101	625,622	10,300	SH		SOLE		9,460	0	840
NIKE INC	CL B	654106103	1,149,756	10,590	SH		SOLE		10,240	0	350
NVIDIA CORPORATION	COM	67066G104	1,178,624	2,380	SH		SOLE		2,380	0	0
PELOTON INTERACTIVE INC	CL A COM	70614W100	60,900	10,000	SH		SOLE		10,000	0	0
PEPSICO INC	COM	713448108	1,811,344	10,665	SH		SOLE		8,388	0	2,277
PIMCO HIGH INCOME FD	COM SHS	722014107	183,632	36,800	SH		SOLE		36,800	0	0
PROCTER AND GAMBLE CO	COM	742718109	488,857	3,336	SH		SOLE		2,546	0	790
SPDR S&P 500 ETF TR	TR UNIT	78462F103	923,507	1,943	SH		SOLE		1,789	0	154
SPDR SER TR	S&P HOMEBUILD	78464A888	572,359	5,983	SH		SOLE		2,583	0	3,400
SAFETY INS GROUP INC	COM	78648T100	2,347,064	30,886	SH		SOLE		29,996	0	890
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	298,344	1,550	SH		SOLE		1,550	0	0
STARBUCKS CORP	COM	855244109	1,507,296	15,699	SH		SOLE		14,197	0	1,502
SUPER MICRO COMPUTER INC	COM	86800U104	472,156	1,661	SH		SOLE		940	0	721
SYSCO CORP	COM	871829107	344,772	4,715	SH		SOLE		4,715	0	0
TJX COS INC NEW	COM	872540109	1,140,201	12,154	SH		SOLE		8,503	0	3,651
TRACTOR SUPPLY CO	COM	892356106	258,036	1,200	SH		SOLE		1,200	0	0
UNION PAC CORP	COM	907818108	778,674	3,170	SH		SOLE		3,170	0	0
VAIL RESORTS INC	COM	91879Q109	751,622	3,521	SH		SOLE		3,440	0	81
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	302,630	1,776	SH		SOLE		1,358	0	418
VANGUARD STAR FDS	VG TL INTL STK F	921909768	725,196	12,512	SH		SOLE		12,073	0	439
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,034,113	21,589	SH		SOLE		16,855	0	4,734
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	469,511	5,089	SH		SOLE		1,973	0	3,116
VANGUARD WORLD FDS	INF TECH ETF	92204A702	219,871	454	SH		SOLE		428	0	26
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	978,033	7,135	SH		SOLE		5,422	0	1,713
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	653,474	8,446	SH		SOLE		7,663	0	783
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,313,576	28,464	SH		SOLE		23,106	0	5,359
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	450,772	8,830	SH		SOLE		3,930	0	4,900
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	702,394	2,905	SH		SOLE		2,815	0	91
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,797,993	5,784	SH		SOLE		4,680	0	1,103
VANGUARD INDEX FDS	VALUE ETF	922908744	559,115	3,740	SH		SOLE		2,469	0	1,271
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,154,755	5,413	SH		SOLE		4,546	0	867
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,379,147	14,245	SH		SOLE		13,998	0	247
VERTIV HOLDINGS CO	COM CL A	92537N108	492,115	10,246	SH		SOLE		5,740	0	4,506
VISA INC	COM CL A	92826C839	1,521,890	5,846	SH		SOLE		5,161	0	685
WEC ENERGY GROUP INC	COM	92939U106	361,342	4,293	SH		SOLE		3,853	0	440
YUM BRANDS INC	COM	988498101	375,971	2,877	SH		SOLE		2,877	0	0
ZOETIS INC	CL A	98978V103	1,220,390	6,183	SH		SOLE		5,755	0	428