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
AT&T Inc.	COM	00206R102	3,275	97,507	SH		SOLE		97,507	0	0
Abercrombie & Fitch Co	COM	002896207	353	12,310	SH		SOLE		12,310	0	0
Aflac Inc	COM	001055102	1,988	32,545	SH		SOLE		32,545	0	0
Altria Group Inc.	COM	02209S103	1,782	36,164	SH		SOLE		36,164	0	0
American Electric Power	COM	025537101	325	5,345	SH		SOLE		5,345	0	0
American Express Co	COM	025816109	12,584	135,251	SH		SOLE		135,251	0	0
Apple Inc	COM	037833100	34,036	308,356	SH		SOLE		308,356	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	11,830	310,345	SH		SOLE		310,345	0	0
Babson Capital Corp Invs	COM	05617K109	210	13,236	SH		SOLE		13,236	0	0
Bank of America Corp	COM	060505104	201	11,235	SH		SOLE		11,235	0	0
Bank of Montreal	COM	063671101	18,640	263,539	SH		SOLE		263,539	0	0
Becton Dickinson Corp	COM	075887109	14,539	104,479	SH		SOLE		104,479	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	638	4,246	SH		SOLE		4,246	0	0
Berkshire Hills Bancorp	COM	084680107	224	8,407	SH		SOLE		8,407	0	0
Boeing Co	COM	097023105	322	2,475	SH		SOLE		2,475	0	0
Broadcom Corp	COM	111320107	4,146	95,692	SH		SOLE		95,692	0	0
Calgon Carbon	COM	129603106	11,757	565,762	SH		SOLE		565,762	0	0
Chevron Corp	COM	166764100	425	3,790	SH		SOLE		3,790	0	0
Cisco	COM	17275R102	25,651	922,201	SH		SOLE		922,201	0	0
Coach Inc	COM	189754104	15,933	424,189	SH		SOLE		424,189	0	0
Coca-Cola Co	COM	191216100	261	6,186	SH		SOLE		6,186	0	0
Corning Inc	COM	219350105	3,854	168,074	SH		SOLE		168,074	0	0
Cummins Inc	COM	231021106	17,991	124,787	SH		SOLE		124,787	0	0
Devon Energy Corp New Comm	COM	25179M103	16,301	266,320	SH		SOLE		266,320	0	0
Doubleline Income Solutions	COM	258622109	3,228	162,225	SH		SOLE		162,225	0	0
Duke Energy Corp	COM	26441C204	201	2,405	SH		SOLE		2,405	0	0
Dupont	COM	263534109	2,574	34,818	SH		SOLE		34,818	0	0
Emerging Markets MSCI	COM	464287234	2,222	56,552	SH		SOLE		56,552	0	0
Emerging Markets-Vanguard	COM	922042858	11,937	298,283	SH		SOLE		298,283	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Expeditors Intl	COM	302130109	10,046	225,189	SH		SOLE		225,189	0	0
ExxonMobil Corp	COM	30231G102	17,846	193,039	SH		SOLE		193,039	0	0
Ford Motor Company	COM	345370860	20,142	1,299,466	SH		SOLE		1,299,466	0	0
Freeport-Mcmoran Copper & Gold	COM	35671D857	5,241	224,343	SH		SOLE		224,343	0	0
General Electric	COM	369604103	19,392	767,408	SH		SOLE		767,408	0	0
Goldman Sachs	COM	38141G104	15,075	77,774	SH		SOLE		77,774	0	0
Google Inc-Cl A	COM	38259P508	16,150	30,434	SH		SOLE		30,434	0	0
Google Inc-Cl C	COM	38259P706	8,836	16,786	SH		SOLE		16,786	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HARRIS CORP DEL	COM	413875105	1,058	14,725	SH		SOLE		14,725	0	0
HCP, Inc.	COM	40414L109	17,899	406,526	SH		SOLE		406,526	0	0
Hormel Foods	COM	440452100	5,040	96,744	SH		SOLE		96,744	0	0
Hudson City Bancorp Inc	COM	443683107	1,768	174,697	SH		SOLE		174,697	0	0
IBM	COM	459200101	306	1,910	SH		SOLE		1,910	0	0
IShares Russell 2000	COM	464287655	1,003	8,382	SH		SOLE		8,382	0	0
IShares Tr Russell 3000 Growth	COM	464287671	212	2,700	SH		SOLE		2,700	0	0
IShares Tr Russell 3000 Value	COM	464287663	222	1,630	SH		SOLE		1,630	0	0
Illinois Tool Works Inc	COM	452308109	13,696	144,628	SH		SOLE		144,628	0	0
Intel Corp	COM	458140100	637	17,543	SH		SOLE		17,543	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	745	9,380	SH		SOLE		9,380	0	0
Ishares TR Russell 2000 Growth	COM	464287648	310	2,177	SH		SOLE		2,177	0	0
Ishares Tr NASDAQ Biotechnolog	COM	464287556	217	715	SH		SOLE		715	0	0
Ishares Tr Russell 2000 Value	COM	464287630	253	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	7,947	201,484	SH		SOLE		201,484	0	0
JP Morgan Chase	COM	46625H100	21,085	336,928	SH		SOLE		336,928	0	0
Johnson & Johnson	COM	478160104	16,414	156,962	SH		SOLE		156,962	0	0
Kraft Food Group Inc	COM	50076Q106	524	8,366	SH		SOLE		8,366	0	0
Lockheed Martin Corp	COM	539830109	323	1,676	SH		SOLE		1,676	0	0
Magellan Midstream Partners	COM	559080106	484	5,850	SH		SOLE		5,850	0	0
McDonald's Corp	COM	580135101	337	3,601	SH		SOLE		3,601	0	0
Medtronic Inc	COM	585055106	21,655	299,937	SH		SOLE		299,937	0	0
Merck & Co Inc	COM	58933Y105	222	3,904	SH		SOLE		3,904	0	0
Microsoft Corp	COM	594918104	2,423	52,155	SH		SOLE		52,155	0	0
Minnesota Mng & Mfg	COM	88579Y101	600	3,650	SH		SOLE		3,650	0	0
Mondelez Intl Inc Class A	COM	609207105	207	5,702	SH		SOLE		5,702	0	0
Mylan Labs Inc	COM	628530107	461	8,170	SH		SOLE		8,170	0	0
Northeast Utilities	COM	664397106	258	4,814	SH		SOLE		4,814	0	0
Northwest Bancshares Inc MD Co	COM	667340103	2,532	202,106	SH		SOLE		202,106	0	0
Occidental Pete Corp	COM	674599105	2,802	34,760	SH		SOLE		34,760	0	0
Oracle Corp	COM	68389X105	13,495	300,080	SH		SOLE		300,080	0	0
Paychex Inc	COM	704326107	486	10,520	SH		SOLE		10,520	0	0
Peoples Financial	COM	712704105	3,818	251,548	SH		SOLE		251,548	0	0
Pepsico Inc	COM	713448108	13,563	143,434	SH		SOLE		143,434	0	0
Pfizer Inc	COM	717081103	2,756	88,473	SH		SOLE		88,473	0	0
Potash Corp	COM	73755L107	9,600	271,788	SH		SOLE		271,788	0	0
Procter & Gamble	COM	742718109	18,393	201,917	SH		SOLE		201,917	0	0
Qualcomm INC	COM	747525103	15,198	204,469	SH		SOLE		204,469	0	0
SPDR Gold Trust	COM	78463V107	215	1,893	SH		SOLE		1,893	0	0
SPDR S&P Midcap 400	COM	78467Y107	6,346	24,041	SH		SOLE		24,041	0	0
Schlumberger Ltd	COM	806857108	12,576	147,247	SH		SOLE		147,247	0	0
Seadrill	COM	G7945E105	2,272	190,243	SH		SOLE		190,243	0	0
Southern Co Com	COM	842587107	366	7,460	SH		SOLE		7,460	0	0
Spdr Tr Unit Ser 1	COM	78462F103	7,721	37,563	SH		SOLE		37,563	0	0
Stanley Black & Decker	COM	854502101	269	2,804	SH		SOLE		2,804	0	0
State Street Corp	COM	857477103	400	5,101	SH		SOLE		5,101	0	0
TFS Financial Corp	COM	87240R107	149	10,000	SH		SOLE		10,000	0	0
Target Corp	COM	87612E106	2,048	26,975	SH		SOLE		26,975	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	8,297	144,273	SH		SOLE		144,273	0	0
United Technologies	COM	913017109	803	6,986	SH		SOLE		6,986	0	0
Vanguard All World Ex-USA	COM	922042718	7,209	75,635	SH		SOLE		75,635	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	2,589	20,955	SH		SOLE		20,955	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	3,658	31,357	SH		SOLE		31,357	0	0
Vanguard Index Total Stock Mkt	COM	922908769	218	2,055	SH		SOLE		2,055	0	0
Vanguard REIT ETF	COM	922908553	245	3,025	SH		SOLE		3,025	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	15,269	403,089	SH		SOLE		403,089	0	0
Vanguard World Fds Vanguard He	COM	92204A504	506	4,030	SH		SOLE		4,030	0	0
Vanguard World Fds Vanguard In	COM	92204A702	230	2,205	SH		SOLE		2,205	0	0
Verizon Communications	COM	92343V104	420	8,971	SH		SOLE		8,971	0	0
Walgreen Boots	COM	931427108	17,150	225,068	SH		SOLE		225,068	0	0
Walt Disney	COM	254687106	259	2,753	SH		SOLE		2,753	0	0
Waste Mgmt Inc	COM	94106L109	1,151	22,425	SH		SOLE		22,425	0	0
Wave Systems	COM	943526400	8	10,000	SH		SOLE		10,000	0	0
Wells Fargo & Co	COM	949746101	5,301	96,705	SH		SOLE		96,705	0	0
Whole Foods Market Inc	COM	966837106	7,186	142,524	SH		SOLE		142,524	0	0
IShares Tr Barclays 1-3 Yr Tre	ETF	464287457	240	2,840	SH		SOLE		2,840	0	0
IShares Tr CORE TOTAL U S BD M	ETF	464287226	240	2,180	SH		SOLE		2,180	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	22,508	445,360	SH		SOLE		445,360	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	1,013	8,485	SH		SOLE		8,485	0	0
IShares Tr MBS ETF	ETF	464288588	10,463	95,706	SH		SOLE		95,706	0	0
Powershares Global ETF Tr I 30	ETF	73936T524	1,109	33,675	SH		SOLE		33,675	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78464A458	270	11,170	SH		SOLE		11,170	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	17,363	210,794	SH		SOLE		210,794	0	0
Vanguard Scottsdale Corp Bd ET	ETF	92206C870	2,009	23,330	SH		SOLE		23,330	0	0