ST Germain D J 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

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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
100,000THS Kinder Morgan Mgmt	COM	EKE55U103	0	37,538	SH		SOLE		37,538	0	0
AT&T Inc.	COM	00206R102	3,046	86,843	SH		SOLE		86,843	0	0
Abercrombie & Fitch Co	COM	002896207	508	13,190	SH		SOLE		13,190	0	0
Aflac Inc	COM	001055102	1,912	30,325	SH		SOLE		30,325	0	0
Altria Group Inc	COM	02209S103	1,372	36,665	SH		SOLE		36,665	0	0
American Electric Power	COM	025537101	276	5,450	SH		SOLE		5,450	0	0
American Express Co	COM	025816109	10,270	114,076	SH		SOLE		114,076	0	0
Apple Computer Inc	COM	037833100	24,893	46,379	SH		SOLE		46,379	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	15,212	316,254	SH		SOLE		316,254	0	0
Babson Capital Corporate Inves	COM	05617K109	201	13,236	SH		SOLE		13,236	0	0
Bank of America Corp	COM	060505104	203	11,790	SH		SOLE		11,790	0	0
Bank of Montreal	COM	063671101	18,008	268,739	SH		SOLE		268,739	0	0
Becton Dickinson Corp	COM	075887109	12,925	110,391	SH		SOLE		110,391	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	456	3,646	SH		SOLE		3,646	0	0
Berkshire Hills Bancorp	COM	084680107	238	9,207	SH		SOLE		9,207	0	0
Boeing Co	COM	097023105	260	2,075	SH		SOLE		2,075	0	0
Broadcom Corp	COM	111320107	3,208	101,927	SH		SOLE		101,927	0	0
Calgon Carbon	COM	129603106	11,377	521,179	SH		SOLE		521,179	0	0
Charles Schwab Corp	COM	808513105	10,478	383,384	SH		SOLE		383,384	0	0
Chevron Corp	COM	166764100	451	3,794	SH		SOLE		3,794	0	0
Cisco	COM	17275R102	22,123	986,965	SH		SOLE		986,965	0	0
Coca-Cola Co	COM	191216100	203	5,260	SH		SOLE		5,260	0	0
Corning Inc	COM	219350105	3,240	155,630	SH		SOLE		155,630	0	0
Cummins Inc	COM	231021106	18,556	124,542	SH		SOLE		124,542	0	0
Devon Energy Corp	COM	25179M103	18,698	279,364	SH		SOLE		279,364	0	0
Doubleline Income Solutions	COM	258622109	2,872	135,350	SH		SOLE		135,350	0	0
Dupont	COM	263534109	2,103	31,343	SH		SOLE		31,343	0	0
EAFE Int'l-Vanguard	COM	921943858	4,787	115,999	SH		SOLE		115,999	0	0
Emerging Markets MSCI	COM	464287234	2,482	60,512	SH		SOLE		60,512	0	0
Emerging Markets-Vanguard	COM	922042858	6,595	162,513	SH		SOLE		162,513	0	0
Enerplus Corp	COM	292766102	648	32,365	SH		SOLE		32,365	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Expeditors Intl	COM	302130109	9,263	233,727	SH		SOLE		233,727	0	0
ExxonMobil Corp	COM	30231G102	19,883	203,555	SH		SOLE		203,555	0	0
FREEPORT-MCMORAN COPPER & GOLD	COM	35671D857	10,674	322,783	SH		SOLE		322,783	0	0
Ford Motor Co	COM	345370860	20,610	1,321,145	SH		SOLE		1,321,145	0	0
General Dynamics Corp	COM	369550108	1,286	11,810	SH		SOLE		11,810	0	0
General Electric	COM	369604103	19,562	755,587	SH		SOLE		755,587	0	0
Google Inc-Cl A	COM	38259P508	20,137	18,068	SH		SOLE		18,068	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HARRIS CORP DEL	COM	413875105	1,152	15,740	SH		SOLE		15,740	0	0
HCP, Inc.	COM	40414L109	16,628	428,680	SH		SOLE		428,680	0	0
Halliburton Co	COM	406216101	12,049	204,605	SH		SOLE		204,605	0	0
Hormel Foods	COM	440452100	5,077	103,050	SH		SOLE		103,050	0	0
Hudson City Bancorp Inc	COM	443683107	1,817	184,805	SH		SOLE		184,805	0	0
IBM	COM	459200101	317	1,649	SH		SOLE		1,649	0	0
IShares Russell 2000	COM	464287655	1,066	9,167	SH		SOLE		9,167	0	0
IShares Tr Russell 3000 Value	COM	464287663	206	1,630	SH		SOLE		1,630	0	0
Illinois Tool Works Inc	COM	452308109	12,689	156,021	SH		SOLE		156,021	0	0
Intel Corp	COM	458140100	14,483	561,037	SH		SOLE		561,037	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	642	8,755	SH		SOLE		8,755	0	0
Ishares TR Russell 2000 Growth	COM	464287648	296	2,177	SH		SOLE		2,177	0	0
Ishares Tr Russell 2000 Value	COM	464287630	251	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	17,855	457,464	SH		SOLE		457,464	0	0
JP Morgan Chase	COM	46625H100	20,830	343,102	SH		SOLE		343,102	0	0
Johnson & Johnson	COM	478160104	16,345	166,397	SH		SOLE		166,397	0	0
Kraft Food Group Inc	COM	50076Q106	521	9,290	SH		SOLE		9,290	0	0
Lockheed Martin Corp	COM	539830109	212	1,300	SH		SOLE		1,300	0	0
Magellan Midstream Partners	COM	559080106	547	7,850	SH		SOLE		7,850	0	0
McDonald's Corp	COM	580135101	350	3,573	SH		SOLE		3,573	0	0
Medtronic Inc	COM	585055106	22,289	362,193	SH		SOLE		362,193	0	0
Merck & Co Inc	COM	58933Y105	227	4,005	SH		SOLE		4,005	0	0
Microsoft Corp	COM	594918104	2,141	52,236	SH		SOLE		52,236	0	0
Minnesota Mng & Mfg	COM	88579Y101	497	3,660	SH		SOLE		3,660	0	0
Mondelez Intl Inc Class A	COM	609207105	211	6,107	SH		SOLE		6,107	0	0
Mylan Labs Inc	COM	628530107	350	7,170	SH		SOLE		7,170	0	0
Noble Corp	COM	G65431101	228	6,975	SH		SOLE		6,975	0	0
Northwest Bancshares	COM	667340103	2,584	176,955	SH		SOLE		176,955	0	0
Occidentail Pete Corp	COM	674599105	780	8,184	SH		SOLE		8,184	0	0
Oracle Corp	COM	68389X105	13,063	319,303	SH		SOLE		319,303	0	0
PROCTER & GAMBLE CO COM	COM	742718109	17,709	219,710	SH		SOLE		219,710	0	0
Paychex Inc	COM	704326107	1,103	25,890	SH		SOLE		25,890	0	0
Peoples United Fin'l Inc	COM	712704105	3,522	236,820	SH		SOLE		236,820	0	0
Pepsico Inc	COM	713448108	12,417	148,705	SH		SOLE		148,705	0	0
Pfizer Inc	COM	717081103	2,593	80,738	SH		SOLE		80,738	0	0
Potash Corp	COM	73755L107	17,305	477,761	SH		SOLE		477,761	0	0
QUALCOMM INC	COM	747525103	18,871	239,298	SH		SOLE		239,298	0	0
Rite Aid Corp	COM	767754104	160	25,525	SH		SOLE		25,525	0	0
SPDR S&P Midcap 400	COM	78467Y107	6,479	25,856	SH		SOLE		25,856	0	0
Schlumberger Ltd	COM	806857108	14,832	152,127	SH		SOLE		152,127	0	0
Southern Co	COM	842587107	2,226	50,655	SH		SOLE		50,655	0	0
Spdr Tr Unit Ser 1	COM	78462F103	7,065	37,779	SH		SOLE		37,779	0	0
Stanley Black & Decker Inc	COM	854502101	228	2,804	SH		SOLE		2,804	0	0
State Street Corp	COM	857477103	355	5,101	SH		SOLE		5,101	0	0
Target Corp	COM	87612E106	3,054	50,470	SH		SOLE		50,470	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	8,055	152,438	SH		SOLE		152,438	0	0
Transocean LTD	COM	H8817H100	1,337	32,343	SH		SOLE		32,343	0	0
United Technologies	COM	913017109	824	7,054	SH		SOLE		7,054	0	0
Vanguard Health Care	COM	92204A504	247	2,310	SH		SOLE		2,310	0	0
Vanguard Info Tech	COM	92204A702	207	2,265	SH		SOLE		2,265	0	0
Vanguard Mid Cap	COM	922908629	1,983	17,455	SH		SOLE		17,455	0	0
Vanguard Small Cap ETF	COM	922908751	3,214	28,457	SH		SOLE		28,457	0	0
Verizon Communications	COM	92343V104	395	8,310	SH		SOLE		8,310	0	0
Walgreen Co	COM	931422109	22,577	341,919	SH		SOLE		341,919	0	0
Waste Mgmt Inc	COM	94106L109	693	16,480	SH		SOLE		16,480	0	0
Wave Systems	COM	943526400	9	10,000	SH		SOLE		10,000	0	0
Wells Fargo & Co	COM	949746101	5,088	102,287	SH		SOLE		102,287	0	0
1-30 Laddered Treasury ETF	ETF	73936T524	1,208	39,745	SH		SOLE		39,745	0	0
IShares Barclays 1-3 Yr Treas	ETF	464287457	263	3,118	SH		SOLE		3,118	0	0
IShares Barclays MBS Bd Fd	ETF	464288588	11,316	106,626	SH		SOLE		106,626	0	0
IShares Floating Rate Note	ETF	46429B655	1,260	24,857	SH		SOLE		24,857	0	0
IShares Iboxx USD Invt Grd Cor	ETF	464287242	654	5,590	SH		SOLE		5,590	0	0
IShares Tr Barclays Aggregate	ETF	464287226	243	2,255	SH		SOLE		2,255	0	0
Spdr Nuveen Barclays Cap Muni	ETF	78464A458	294	12,645	SH		SOLE		12,645	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	20,535	252,929	SH		SOLE		252,929	0	0
Vanguard Scottsdale Fds Interm	ETF	92206C870	458	5,385	SH		SOLE		5,385	0	0
American Int GR Frac Warrant (	WT	ACG874152	0	51,104	SH		SOLE		51,104	0	0