Friends, This is a young or adult female Belted Kingfisher.  The controversy arises because of the incomplete brown on her chest, if she was an adult female, the brown band would be complete.  Since the band appears to have a gap in the middle, perhaps she is a youngster just arriving in the northland.  The water is now open and she has found a fishing hole below this high line wire.  She complained bitterly when I stepped out to take her picture, sorry I disturbed her, love her hairdo, til Tomorrow MJ