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	3,904	113,447	SH		SOLE		113,447	0	0
Abercrombie & Fitch Co	COM	002896207	315	11,670	SH		SOLE		11,670	0	0
Aflac Inc	COM	001055102	2,030	33,882	SH		SOLE		33,882	0	0
Alphabet Inc Cl A	COM	02079K305	23,969	30,808	SH		SOLE		30,808	0	0
Alphabet Inc Cl C	COM	02079K107	11,734	15,463	SH		SOLE		15,463	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	2,971	246,555	SH		SOLE		246,555	0	0
Altria Group Inc.	COM	02209S103	442	7,600	SH		SOLE		7,600	0	0
American Electric Power	COM	025537101	307	5,265	SH		SOLE		5,265	0	0
American Express Co	COM	025816109	9,611	138,193	SH		SOLE		138,193	0	0
Amgen Inc	COM	031162100	11,988	73,848	SH		SOLE		73,848	0	0
Apple Inc	COM	037833100	32,057	304,550	SH		SOLE		304,550	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	4,977	159,202	SH		SOLE		159,202	0	0
Babson Capital Corp Invs	COM	05617K109	256	14,836	SH		SOLE		14,836	0	0
Bank of America Corp	COM	060505104	221	13,143	SH		SOLE		13,143	0	0
Bank of Montreal	COM	063671101	13,271	235,214	SH		SOLE		235,214	0	0
Becton Dickinson Corp	COM	075887109	14,384	93,346	SH		SOLE		93,346	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	525	3,976	SH		SOLE		3,976	0	0
Berkshire Hills Bancorp	COM	084680107	282	9,678	SH		SOLE		9,678	0	0
Biocorrx Inc Comm	COM	09073C106	0	10,000	SH		SOLE		10,000	0	0
Blackrock Inc Com	COM	09247X101	435	1,278	SH		SOLE		1,278	0	0
Boeing Co	COM	097023105	404	2,793	SH		SOLE		2,793	0	0
Calgon Carbon	COM	129603106	9,557	554,004	SH		SOLE		554,004	0	0
Cameron International	COM	13342B105	376	5,950	SH		SOLE		5,950	0	0
Celgene Corp	COM	151020104	467	3,899	SH		SOLE		3,899	0	0
Chevron Corp	COM	166764100	415	4,618	SH		SOLE		4,618	0	0
Chubb Corporation	COM	171232101	629	4,739	SH		SOLE		4,739	0	0
Cisco	COM	17275R102	12,012	442,333	SH		SOLE		442,333	0	0
Coach Inc	COM	189754104	13,476	411,717	SH		SOLE		411,717	0	0
Coca-Cola Co	COM	191216100	324	7,531	SH		SOLE		7,531	0	0
ConocoPhillips	COM	20825C104	7,574	162,220	SH		SOLE		162,220	0	0
Corning Inc	COM	219350105	3,459	189,243	SH		SOLE		189,243	0	0
Cummins Inc	COM	231021106	9,758	110,874	SH		SOLE		110,874	0	0
Danaher Corp Del	COM	235851102	549	5,912	SH		SOLE		5,912	0	0
Devon Energy Corp New Comm	COM	25179M103	4,421	138,164	SH		SOLE		138,164	0	0
Dominion Resources Inc	COM	25746U109	321	4,749	SH		SOLE		4,749	0	0
Dupont	COM	263534109	2,849	42,775	SH		SOLE		42,775	0	0
Eli Lilly & Co	COM	532457108	488	5,794	SH		SOLE		5,794	0	0
Emerging Markets MSCI	COM	464287234	5,894	183,085	SH		SOLE		183,085	0	0
Emerging Markets-Vanguard	COM	922042858	17,803	544,258	SH		SOLE		544,258	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Eversource Energy	COM	30040W108	236	4,617	SH		SOLE		4,617	0	0
Expeditors Intl	COM	302130109	3,316	73,529	SH		SOLE		73,529	0	0
ExxonMobil Corp	COM	30231G102	14,964	191,974	SH		SOLE		191,974	0	0
Facebook, Inc.	COM	30303M102	714	6,824	SH		SOLE		6,824	0	0
Fluor Corp New	COM	343412102	12,716	269,290	SH		SOLE		269,290	0	0
Ford Motor Company	COM	345370860	16,249	1,153,256	SH		SOLE		1,153,256	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	24,453	785,007	SH		SOLE		785,007	0	0
General Mills Inc	COM	370334104	375	6,504	SH		SOLE		6,504	0	0
Gilead Sciences Inc	COM	375558103	549	5,425	SH		SOLE		5,425	0	0
Goldman Sachs	COM	38141G104	12,405	68,826	SH		SOLE		68,826	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HCP, Inc.	COM	40414L109	15,900	415,789	SH		SOLE		415,789	0	0
Harris Corp	COM	413875105	1,233	14,192	SH		SOLE		14,192	0	0
Home Depot Inc	COM	437076102	225	1,700	SH		SOLE		1,700	0	0
Hormel Foods	COM	440452100	7,223	91,339	SH		SOLE		91,339	0	0
IBM	COM	459200101	453	3,293	SH		SOLE		3,293	0	0
IShares Russell 2000	COM	464287655	955	8,479	SH		SOLE		8,479	0	0
IShares Tr Russell 3000 Growth	COM	464287671	219	2,700	SH		SOLE		2,700	0	0
IShares Tr Russell 3000 Value	COM	464287663	208	1,630	SH		SOLE		1,630	0	0
Intel Corp	COM	458140100	3,060	88,838	SH		SOLE		88,838	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	551	7,334	SH		SOLE		7,334	0	0
Ishares TR Russell 2000 Growth	COM	464287648	296	2,127	SH		SOLE		2,127	0	0
Ishares TR Russell Midcap Grow	COM	464287481	1,095	11,912	SH		SOLE		11,912	0	0
Ishares Tr Russell 2000 Value	COM	464287630	228	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	4,781	123,066	SH		SOLE		123,066	0	0
JP Morgan Chase	COM	46625H100	21,865	331,141	SH		SOLE		331,141	0	0
Johnson & Johnson	COM	478160104	17,399	169,381	SH		SOLE		169,381	0	0
Kohls Corp	COM	500255104	1,941	40,760	SH		SOLE		40,760	0	0
Lockheed Martin Corp	COM	539830109	366	1,686	SH		SOLE		1,686	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	239	2,745	SH		SOLE		2,745	0	0
M & T Bk Corp	COM	55261F104	1,060	8,751	SH		SOLE		8,751	0	0
Magellan Midstream Partners	COM	559080106	391	5,750	SH		SOLE		5,750	0	0
McCormick Co	COM	579780206	404	4,723	SH		SOLE		4,723	0	0
McDonald's Corp	COM	580135101	410	3,472	SH		SOLE		3,472	0	0
Medtronic PLC SHS	COM	G5960L103	14,482	188,270	SH		SOLE		188,270	0	0
Merck & Co Inc	COM	58933Y105	277	5,240	SH		SOLE		5,240	0	0
Microsoft Corp	COM	594918104	2,927	52,753	SH		SOLE		52,753	0	0
Minnesota Mng & Mfg	COM	88579Y101	541	3,589	SH		SOLE		3,589	0	0
Mondelez Intl Inc Class A	COM	609207105	251	5,602	SH		SOLE		5,602	0	0
Mylan N V Shs Euro	COM	N59465109	415	7,670	SH		SOLE		7,670	0	0
Nextera Energy Inc Com	COM	65339F101	208	2,006	SH		SOLE		2,006	0	0
Nike Inc Cl B	COM	654106103	490	7,840	SH		SOLE		7,840	0	0
Norfolk Southern Corp	COM	655844108	317	3,745	SH		SOLE		3,745	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,105	231,911	SH		SOLE		231,911	0	0
Novartis AG Sponsored Adr	COM	66987V109	301	3,498	SH		SOLE		3,498	0	0
Novo-Nordisk A S	COM	670100205	370	6,369	SH		SOLE		6,369	0	0
Occidental Pete Corp	COM	674599105	1,919	28,381	SH		SOLE		28,381	0	0
Oracle Corp	COM	68389X105	10,867	297,489	SH		SOLE		297,489	0	0
Palo Alto Networks Inc Com	COM	697435105	631	3,581	SH		SOLE		3,581	0	0
Peoples Financial	COM	712704105	3,176	196,651	SH		SOLE		196,651	0	0
Pepsico Inc	COM	713448108	14,068	140,796	SH		SOLE		140,796	0	0
Pfizer Inc	COM	717081103	3,557	110,192	SH		SOLE		110,192	0	0
Phillip Morris International,	COM	718172109	222	2,523	SH		SOLE		2,523	0	0
Potash Corp	COM	73755L107	1,595	93,183	SH		SOLE		93,183	0	0
Procter & Gamble	COM	742718109	20,487	257,989	SH		SOLE		257,989	0	0
Qualcomm INC	COM	747525103	13,376	267,600	SH		SOLE		267,600	0	0
SPDR S&P Midcap 400	COM	78467Y107	5,552	21,855	SH		SOLE		21,855	0	0
SYSCO CORP	COM	871829107	205	4,992	SH		SOLE		4,992	0	0
Sally Beauty Company	COM	79546E104	12,345	442,618	SH		SOLE		442,618	0	0
Schlumberger Ltd	COM	806857108	3,531	50,618	SH		SOLE		50,618	0	0
Southern Co Com	COM	842587107	466	9,957	SH		SOLE		9,957	0	0
Spdr Ser Tr S&P Homebuilders E	COM	78464A888	273	7,976	SH		SOLE		7,976	0	0
Spdr Tr Unit Ser 1	COM	78462F103	8,501	41,696	SH		SOLE		41,696	0	0
State Street Corp	COM	857477103	721	10,865	SH		SOLE		10,865	0	0
Stericycle Inc	COM	858912108	352	2,920	SH		SOLE		2,920	0	0
TFS Financial Corp	COM	87240R107	188	10,000	SH		SOLE		10,000	0	0
TJX Companies Inc.	COM	872540109	489	6,895	SH		SOLE		6,895	0	0
Target Corp	COM	87612E106	1,092	15,039	SH		SOLE		15,039	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	9,109	138,774	SH		SOLE		138,774	0	0
Union Pacific Corp	COM	907818108	1,845	23,599	SH		SOLE		23,599	0	0
United Technologies	COM	913017109	638	6,636	SH		SOLE		6,636	0	0
Vanguard All World Ex-USA	COM	922042718	12,778	137,588	SH		SOLE		137,588	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	2,490	20,730	SH		SOLE		20,730	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	4,403	39,793	SH		SOLE		39,793	0	0
Vanguard REIT ETF	COM	922908553	951	11,933	SH		SOLE		11,933	0	0
Vanguard Short Term BD ETF	COM	921937827	6,155	77,355	SH		SOLE		77,355	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	20,944	570,357	SH		SOLE		570,357	0	0
Vanguard World Fds Vanguard He	COM	92204A504	448	3,370	SH		SOLE		3,370	0	0
Vanguard World Fds Vanguard In	COM	92204A702	211	1,952	SH		SOLE		1,952	0	0
Verizon Communications	COM	92343V104	998	21,588	SH		SOLE		21,588	0	0
Visa Inc Cls A	COM	92826C839	606	7,815	SH		SOLE		7,815	0	0
Walgreen Boots	COM	931427108	12,962	152,220	SH		SOLE		152,220	0	0
Walt Disney	COM	254687106	597	5,684	SH		SOLE		5,684	0	0
Waste Mgmt Inc	COM	94106L109	1,986	37,215	SH		SOLE		37,215	0	0
Wells Fargo & Co	COM	949746101	5,671	104,325	SH	��	SOLE		104,325	0	0
Whole Foods Market Inc	COM	966837106	5,949	177,595	SH		SOLE		177,595	0	0
Yum! Brands Inc	COM	988498101	362	4,961	SH		SOLE		4,961	0	0
Doubleline Income Solutions	ETF	258622109	2,136	131,673	SH		SOLE		131,673	0	0
IShares CMBS ETF	ETF	46429B366	2,546	50,260	SH		SOLE		50,260	0	0
IShares Tr Core Total US BD Mk	ETF	464287226	286	2,646	SH		SOLE		2,646	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	21,514	426,535	SH		SOLE		426,535	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	1,398	12,260	SH		SOLE		12,260	0	0
IShares Tr MBS ETF	ETF	464288588	8,905	82,687	SH		SOLE		82,687	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	561	5,229	SH		SOLE		5,229	0	0
Powershares ETF Tr Global I 30	ETF	73936T524	489	15,158	SH		SOLE		15,158	0	0
SPDR Ser Tr Barclays High Yiel	ETF	78464A417	233	6,866	SH		SOLE		6,866	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78464A458	276	11,330	SH		SOLE		11,330	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	11,784	145,919	SH		SOLE		145,919	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	5,239	62,305	SH		SOLE		62,305	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	239	3,025	SH		SOLE		3,025	0	0
iShares Core US Treasury Bond	ETF	46429B267	1,622	64,742	SH		SOLE		64,742	0	0