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	3,647	111,926	SH		SOLE		111,926	0	0
Abercrombie & Fitch Co	COM	002896207	250	11,790	SH		SOLE		11,790	0	0
Aflac Inc	COM	001055102	1,962	33,757	SH		SOLE		33,757	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	181	14,470	SH		SOLE		14,470	0	0
Altria Group Inc.	COM	02209S103	357	6,554	SH		SOLE		6,554	0	0
American Electric Power	COM	025537101	301	5,290	SH		SOLE		5,290	0	0
American Express Co	COM	025816109	10,262	138,428	SH		SOLE		138,428	0	0
Amgen Inc	COM	031162100	9,826	71,036	SH		SOLE		71,036	0	0
Apple Inc	COM	037833100	33,354	302,393	SH		SOLE		302,393	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	7,239	236,874	SH		SOLE		236,874	0	0
Babson Capital Corp Invs	COM	05617K109	242	14,836	SH		SOLE		14,836	0	0
Bank of America Corp	COM	060505104	177	11,375	SH		SOLE		11,375	0	0
Bank of Montreal	COM	063671101	12,827	235,143	SH		SOLE		235,143	0	0
Becton Dickinson Corp	COM	075887109	12,432	93,717	SH		SOLE		93,717	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	551	4,226	SH		SOLE		4,226	0	0
Berkshire Hills Bancorp	COM	084680107	232	8,407	SH		SOLE		8,407	0	0
Biocorrx Inc Comm	COM	09073C106	0	10,000	SH		SOLE		10,000	0	0
Boeing Co	COM	097023105	361	2,758	SH		SOLE		2,758	0	0
Calgon Carbon	COM	129603106	8,693	557,988	SH		SOLE		557,988	0	0
Chevron Corp	COM	166764100	345	4,368	SH		SOLE		4,368	0	0
Cisco	COM	17275R102	11,611	442,331	SH		SOLE		442,331	0	0
Coach Inc	COM	189754104	12,063	416,962	SH		SOLE		416,962	0	0
Coca-Cola Co	COM	191216100	266	6,636	SH		SOLE		6,636	0	0
ConocoPhillips	COM	20825C104	2,145	44,726	SH		SOLE		44,726	0	0
Corning Inc	COM	219350105	3,229	188,608	SH		SOLE		188,608	0	0
Cummins Inc	COM	231021106	8,113	74,717	SH		SOLE		74,717	0	0
Devon Energy Corp New Comm	COM	25179M103	9,594	258,667	SH		SOLE		258,667	0	0
Dupont	COM	263534109	2,066	42,860	SH		SOLE		42,860	0	0
Emerging Markets MSCI	COM	464287234	1,743	53,160	SH		SOLE		53,160	0	0
Emerging Markets-Vanguard	COM	922042858	20,137	608,555	SH		SOLE		608,555	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Eversource Energy	COM	30040W108	236	4,670	SH		SOLE		4,670	0	0
Expeditors Intl	COM	302130109	3,539	75,209	SH		SOLE		75,209	0	0
ExxonMobil Corp	COM	30231G102	14,235	191,459	SH		SOLE		191,459	0	0
Fluor Corp New	COM	343412102	11,418	269,610	SH		SOLE		269,610	0	0
Ford Motor Company	COM	345370860	15,779	1,162,821	SH		SOLE		1,162,821	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	19,866	787,713	SH		SOLE		787,713	0	0
Goldman Sachs	COM	38141G104	11,990	69,006	SH		SOLE		69,006	0	0
Google Inc-Cl A	COM	38259P508	19,478	30,512	SH		SOLE		30,512	0	0
Google Inc-Cl C	COM	38259P706	9,533	15,669	SH		SOLE		15,669	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HARRIS CORP DEL	COM	413875105	1,029	14,070	SH		SOLE		14,070	0	0
HCP, Inc.	COM	40414L109	15,541	417,195	SH		SOLE		417,195	0	0
Hormel Foods	COM	440452100	5,862	92,594	SH		SOLE		92,594	0	0
Hudson City Bancorp Inc	COM	443683107	1,672	164,376	SH		SOLE		164,376	0	0
IBM	COM	459200101	555	3,828	SH		SOLE		3,828	0	0
IShares Russell 2000	COM	464287655	922	8,444	SH		SOLE		8,444	0	0
IShares Tr Russell 3000 Growth	COM	464287671	205	2,700	SH		SOLE		2,700	0	0
Intel Corp	COM	458140100	2,692	89,315	SH		SOLE		89,315	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	541	7,430	SH		SOLE		7,430	0	0
Ishares TR Russell 2000 Growth	COM	464287648	285	2,127	SH		SOLE		2,127	0	0
Ishares Tr Russell 2000 Value	COM	464287630	224	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	4,506	116,744	SH		SOLE		116,744	0	0
JP Morgan Chase	COM	46625H100	20,261	332,306	SH		SOLE		332,306	0	0
Johnson & Johnson	COM	478160104	15,833	169,612	SH		SOLE		169,612	0	0
Kohls Corp	COM	500255104	1,804	38,965	SH		SOLE		38,965	0	0
Lockheed Martin Corp	COM	539830109	347	1,676	SH		SOLE		1,676	0	0
Magellan Midstream Partners	COM	559080106	346	5,750	SH		SOLE		5,750	0	0
McDonald's Corp	COM	580135101	383	3,887	SH		SOLE		3,887	0	0
Medtronic PLC SHS	COM	G5960L103	12,616	188,473	SH		SOLE		188,473	0	0
Merck & Co Inc	COM	58933Y105	240	4,857	SH		SOLE		4,857	0	0
Microsoft Corp	COM	594918104	2,315	52,305	SH		SOLE		52,305	0	0
Minnesota Mng & Mfg	COM	88579Y101	527	3,719	SH		SOLE		3,719	0	0
Mondelez Intl Inc Class A	COM	609207105	235	5,602	SH		SOLE		5,602	0	0
Mylan N V Shs Euro	COM	N59465109	329	8,170	SH		SOLE		8,170	0	0
Norfolk Southern Corp	COM	655844108	286	3,745	SH		SOLE		3,745	0	0
Northwest Bancshares Inc MD Co	COM	667340103	2,995	230,371	SH		SOLE		230,371	0	0
Occidental Pete Corp	COM	674599105	2,559	38,678	SH		SOLE		38,678	0	0
Oracle Corp	COM	68389X105	10,475	290,013	SH		SOLE		290,013	0	0
Peoples Financial	COM	712704105	3,079	195,726	SH		SOLE		195,726	0	0
Pepsico Inc	COM	713448108	13,395	142,041	SH		SOLE		142,041	0	0
Pfizer Inc	COM	717081103	2,966	94,439	SH		SOLE		94,439	0	0
Potash Corp	COM	73755L107	6,087	296,184	SH		SOLE		296,184	0	0
Procter & Gamble	COM	742718109	18,283	254,143	SH		SOLE		254,143	0	0
Qualcomm INC	COM	747525103	10,416	193,852	SH		SOLE		193,852	0	0
SPDR Gold Trust	COM	78463V107	277	2,595	SH		SOLE		2,595	0	0
SPDR S&P Midcap 400	COM	78467Y107	5,477	22,006	SH		SOLE		22,006	0	0
Schlumberger Ltd	COM	806857108	3,366	48,798	SH		SOLE		48,798	0	0
Southern Co Com	COM	842587107	386	8,637	SH		SOLE		8,637	0	0
Spdr Tr Unit Ser 1	COM	78462F103	7,385	38,539	SH		SOLE		38,539	0	0
Stanley Black & Decker	COM	854502101	272	2,804	SH		SOLE		2,804	0	0
State Street Corp	COM	857477103	394	5,860	SH		SOLE		5,860	0	0
TFS Financial Corp	COM	87240R107	172	10,000	SH		SOLE		10,000	0	0
Target Corp	COM	87612E106	1,175	14,944	SH		SOLE		14,944	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	7,894	139,817	SH		SOLE		139,817	0	0
Union Pacific Corp	COM	907818108	1,783	20,164	SH		SOLE		20,164	0	0
United Technologies	COM	913017109	576	6,468	SH		SOLE		6,468	0	0
Vanguard All World Ex-USA	COM	922042718	12,560	138,473	SH		SOLE		138,473	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	2,270	19,458	SH		SOLE		19,458	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	4,027	37,308	SH		SOLE		37,308	0	0
Vanguard REIT ETF	COM	922908553	342	4,525	SH		SOLE		4,525	0	0
Vanguard Short Term BD ETF	COM	921937827	6,213	77,280	SH		SOLE		77,280	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	18,666	523,747	SH		SOLE		523,747	0	0
Vanguard World Fds Vanguard He	COM	92204A504	420	3,430	SH		SOLE		3,430	0	0
Vanguard World Fds Vanguard In	COM	92204A702	206	2,060	SH		SOLE		2,060	0	0
Verizon Communications	COM	92343V104	520	11,961	SH		SOLE		11,961	0	0
Walgreen Boots	COM	931427108	12,745	153,373	SH		SOLE		153,373	0	0
Walt Disney	COM	254687106	317	3,106	SH		SOLE		3,106	0	0
Waste Mgmt Inc	COM	94106L109	1,870	37,550	SH		SOLE		37,550	0	0
Wells Fargo & Co	COM	949746101	4,939	96,185	SH		SOLE		96,185	0	0
Whole Foods Market Inc	COM	966837106	5,719	180,702	SH		SOLE		180,702	0	0
Doubleline Income Solutions	ETF	258622109	2,651	153,335	SH		SOLE		153,335	0	0
IShares Tr Core Total US BD Mk	ETF	464287226	299	2,727	SH		SOLE		2,727	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	21,747	431,056	SH		SOLE		431,056	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	1,017	8,759	SH		SOLE		8,759	0	0
IShares Tr MBS ETF	ETF	464288588	9,916	90,456	SH		SOLE		90,456	0	0
Powershares Global ETF Tr I 30	ETF	73936T524	1,053	32,056	SH		SOLE		32,056	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78464A458	216	8,950	SH		SOLE		8,950	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	16,264	198,513	SH		SOLE		198,513	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	3,439	40,255	SH		SOLE		40,255	0	0