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	4,602	106,495	SH		SOLE		106,495	0	0
Abercrombie & Fitch Co	COM	002896207	190	10,685	SH		SOLE		10,685	0	0
Aflac Inc	COM	001055102	2,394	33,172	SH		SOLE		33,172	0	0
Alphabet Inc Cl A	COM	02079K305	21,755	30,922	SH		SOLE		30,922	0	0
Alphabet Inc Cl C	COM	02079K107	10,362	14,973	SH		SOLE		14,973	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	5,024	394,975	SH		SOLE		394,975	0	0
Altria Group Inc.	COM	02209S103	482	6,989	SH		SOLE		6,989	0	0
American Electric Power	COM	025537101	398	5,672	SH		SOLE		5,672	0	0
American Express Co	COM	025816109	8,072	132,843	SH		SOLE		132,843	0	0
Amgen Inc	COM	031162100	11,453	75,276	SH		SOLE		75,276	0	0
Apple Inc	COM	037833100	29,740	311,087	SH		SOLE		311,087	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	5,510	155,174	SH		SOLE		155,174	0	0
Babson Capital Corp Invs	COM	05617K109	267	14,836	SH		SOLE		14,836	0	0
Bank of America Corp	COM	060505104	173	13,063	SH		SOLE		13,063	0	0
Bank of Montreal	COM	063671101	15,014	236,855	SH		SOLE		236,855	0	0
Becton Dickinson Corp	COM	075887109	11,472	67,645	SH		SOLE		67,645	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	650	4,488	SH		SOLE		4,488	0	0
Berkshire Hills Bancorp	COM	084680107	712	26,435	SH		SOLE		26,435	0	0
Biocorrx Inc Comm	COM	09073C106	0	10,000	SH		SOLE		10,000	0	0
Blackrock Inc Com	COM	09247X101	641	1,871	SH		SOLE		1,871	0	0
Boeing Co	COM	097023105	363	2,793	SH		SOLE		2,793	0	0
CVS Corp	COM	126650100	10,473	109,387	SH		SOLE		109,387	0	0
Calgon Carbon	COM	129603106	6,980	530,804	SH		SOLE		530,804	0	0
Celgene Corp	COM	151020104	747	7,572	SH		SOLE		7,572	0	0
Chevron Corp	COM	166764100	483	4,608	SH		SOLE		4,608	0	0
Chubb Corporation	COM	H1467J104	507	3,878	SH		SOLE		3,878	0	0
Cisco	COM	17275R102	12,751	444,456	SH		SOLE		444,456	0	0
Coach Inc	COM	189754104	16,058	394,151	SH		SOLE		394,151	0	0
Coca-Cola Co	COM	191216100	373	8,236	SH		SOLE		8,236	0	0
Colgate Palmolive	COM	194162103	287	3,915	SH		SOLE		3,915	0	0
Comcast Cl A	COM	20030N101	232	3,561	SH		SOLE		3,561	0	0
ConocoPhillips	COM	20825C104	7,074	162,238	SH		SOLE		162,238	0	0
Corning Inc	COM	219350105	3,967	193,713	SH		SOLE		193,713	0	0
Cummins Inc	COM	231021106	17,302	153,876	SH		SOLE		153,876	0	0
Danaher Corp Del	COM	235851102	804	7,961	SH		SOLE		7,961	0	0
Devon Energy Corp New Comm	COM	25179M103	4,840	133,511	SH		SOLE		133,511	0	0
Dominion Resources Inc	COM	25746U109	445	5,705	SH		SOLE		5,705	0	0
Duke Energy Corp	COM	26441C204	394	4,591	SH		SOLE		4,591	0	0
Dupont	COM	263534109	2,741	42,298	SH		SOLE		42,298	0	0
Eli Lilly & Co	COM	532457108	613	7,781	SH		SOLE		7,781	0	0
Emerging Markets MSCI	COM	464287234	6,084	177,076	SH		SOLE		177,076	0	0
Emerging Markets-Vanguard	COM	922042858	19,756	560,765	SH		SOLE		560,765	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Eversource Energy	COM	30040W108	385	6,427	SH		SOLE		6,427	0	0
Expeditors Intl	COM	302130109	3,250	66,274	SH		SOLE		66,274	0	0
ExxonMobil Corp	COM	30231G102	18,275	194,952	SH		SOLE		194,952	0	0
Facebook, Inc.	COM	30303M102	8,902	77,896	SH		SOLE		77,896	0	0
Fluor Corp New	COM	343412102	13,355	271,006	SH		SOLE		271,006	0	0
Ford Motor Company	COM	345370860	13,985	1,112,531	SH		SOLE		1,112,531	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	23,540	747,788	SH		SOLE		747,788	0	0
General Mills Inc	COM	370334104	623	8,739	SH		SOLE		8,739	0	0
Gilead Sciences Inc	COM	375558103	671	8,041	SH		SOLE		8,041	0	0
Goldman Sachs	COM	38141G104	10,283	69,210	SH		SOLE		69,210	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HCP, Inc.	COM	40414L109	14,591	412,422	SH		SOLE		412,422	0	0
Harris Corp	COM	413875105	1,182	14,167	SH		SOLE		14,167	0	0
Home Depot Inc	COM	437076102	339	2,655	SH		SOLE		2,655	0	0
Hormel Foods	COM	440452100	2,015	55,060	SH		SOLE		55,060	0	0
IBM	COM	459200101	510	3,358	SH		SOLE		3,358	0	0
IShares Russell 2000	COM	464287655	903	7,852	SH		SOLE		7,852	0	0
IShares Telecom	COM	464287713	267	8,005	SH		SOLE		8,005	0	0
IShares Tr Russell 3000 Growth	COM	464287671	221	2,700	SH		SOLE		2,700	0	0
IShares Tr Russell 3000 Value	COM	464287663	219	1,630	SH		SOLE		1,630	0	0
Intel Corp	COM	458140100	2,818	85,916	SH		SOLE		85,916	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	612	7,174	SH		SOLE		7,174	0	0
Ishares TR Russell 2000 Growth	COM	464287648	360	2,627	SH		SOLE		2,627	0	0
Ishares TR Russell Midcap Grow	COM	464287481	2,086	22,291	SH		SOLE		22,291	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	231	4,144	SH		SOLE		4,144	0	0
Ishares Tr Russell 2000 Value	COM	464287630	242	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	5,461	136,889	SH		SOLE		136,889	0	0
JP Morgan Chase	COM	46625H100	20,517	330,173	SH		SOLE		330,173	0	0
Johnson & Johnson	COM	478160104	20,480	168,834	SH		SOLE		168,834	0	0
Kohls Corp	COM	500255104	1,655	43,640	SH		SOLE		43,640	0	0
Lockheed Martin Corp	COM	539830109	418	1,686	SH		SOLE		1,686	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	1,212	16,284	SH		SOLE		16,284	0	0
M & T Bk Corp	COM	55261F104	969	8,195	SH		SOLE		8,195	0	0
Magellan Midstream Partners	COM	559080106	437	5,750	SH		SOLE		5,750	0	0
McDonald's Corp	COM	580135101	458	3,807	SH		SOLE		3,807	0	0
Medtronic PLC SHS	COM	G5960L103	15,814	182,249	SH		SOLE		182,249	0	0
Merck & Co Inc	COM	58933Y105	313	5,430	SH		SOLE		5,430	0	0
Microsoft Corp	COM	594918104	2,588	50,569	SH		SOLE		50,569	0	0
Minnesota Mng & Mfg	COM	88579Y101	708	4,045	SH		SOLE		4,045	0	0
Mondelez Intl Inc Class A	COM	609207105	255	5,602	SH		SOLE		5,602	0	0
Mylan N V Shs Euro	COM	N59465109	225	5,200	SH		SOLE		5,200	0	0
Nextera Energy Inc Com	COM	65339F101	368	2,819	SH		SOLE		2,819	0	0
Norfolk Southern Corp	COM	655844108	319	3,745	SH		SOLE		3,745	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,447	232,406	SH		SOLE		232,406	0	0
Novartis AG Sponsored Adr	COM	66987V109	409	4,958	SH		SOLE		4,958	0	0
Novo-Nordisk A S	COM	670100205	483	8,980	SH		SOLE		8,980	0	0
Occidental Pete Corp	COM	674599105	2,171	28,727	SH		SOLE		28,727	0	0
Oracle Corp	COM	68389X105	9,272	226,535	SH		SOLE		226,535	0	0
Palo Alto Networks Inc Com	COM	697435105	679	5,540	SH		SOLE		5,540	0	0
Peoples Financial	COM	712704105	2,827	192,861	SH		SOLE		192,861	0	0
Pepsico Inc	COM	713448108	14,563	137,468	SH		SOLE		137,468	0	0
Pfizer Inc	COM	717081103	3,995	113,471	SH		SOLE		113,471	0	0
Phillip Morris International,	COM	718172109	243	2,393	SH		SOLE		2,393	0	0
Polaris Industries Inc	COM	731068102	6,281	76,820	SH		SOLE		76,820	0	0
Potash Corp	COM	73755L107	1,466	90,241	SH		SOLE		90,241	0	0
Procter & Gamble	COM	742718109	21,862	258,199	SH		SOLE		258,199	0	0
Qualcomm INC	COM	747525103	15,005	280,096	SH		SOLE		280,096	0	0
SPDR Gold Trust	COM	78463V107	272	2,150	SH		SOLE		2,150	0	0
SPDR S&P Midcap 400	COM	78467Y107	5,808	21,335	SH		SOLE		21,335	0	0
Sally Beauty Company	COM	79546E104	13,753	467,621	SH		SOLE		467,621	0	0
Schlumberger Ltd	COM	806857108	4,297	54,333	SH		SOLE		54,333	0	0
Southern Co Com	COM	842587107	473	8,811	SH		SOLE		8,811	0	0
Spdr Ser Tr S&P Homebuilders E	COM	78464A888	369	10,995	SH		SOLE		10,995	0	0
Spdr Tr Unit Ser 1	COM	78462F103	10,623	50,711	SH		SOLE		50,711	0	0
State Street Corp	COM	857477103	709	13,150	SH		SOLE		13,150	0	0
Stericycle Inc	COM	858912108	5,444	52,286	SH		SOLE		52,286	0	0
TFS Financial Corp	COM	87240R107	172	10,000	SH		SOLE		10,000	0	0
TJX Companies Inc.	COM	872540109	747	9,667	SH		SOLE		9,667	0	0
Target Corp	COM	87612E106	1,014	14,522	SH		SOLE		14,522	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	6,723	133,843	SH		SOLE		133,843	0	0
Union Pacific Corp	COM	907818108	2,354	26,985	SH		SOLE		26,985	0	0
United Technologies	COM	913017109	702	6,841	SH		SOLE		6,841	0	0
Vanguard All World Ex-USA	COM	922042718	12,466	133,917	SH		SOLE		133,917	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	3,078	24,900	SH		SOLE		24,900	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	11,836	102,321	SH		SOLE		102,321	0	0
Vanguard REIT ETF	COM	922908553	1,627	18,349	SH		SOLE		18,349	0	0
Vanguard Short Term BD ETF	COM	921937827	6,283	77,505	SH		SOLE		77,505	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	22,890	647,332	SH		SOLE		647,332	0	0
Vanguard World Fds Vanguard He	COM	92204A504	440	3,370	SH		SOLE		3,370	0	0
Vanguard World Fds Vanguard In	COM	92204A702	207	1,930	SH		SOLE		1,930	0	0
Verizon Communications	COM	92343V104	1,486	26,618	SH		SOLE		26,618	0	0
Visa Inc Cls A	COM	92826C839	869	11,710	SH		SOLE		11,710	0	0
Walgreen Boots	COM	931427108	310	3,719	SH		SOLE		3,719	0	0
Walt Disney	COM	254687106	881	9,007	SH		SOLE		9,007	0	0
Waste Mgmt Inc	COM	94106L109	2,457	37,075	SH		SOLE		37,075	0	0
Wells Fargo & Co	COM	949746101	5,367	113,387	SH		SOLE		113,387	0	0
Whole Foods Market Inc	COM	966837106	5,452	170,259	SH		SOLE		170,259	0	0
Yum! Brands Inc	COM	988498101	614	7,404	SH		SOLE		7,404	0	0
Doubleline Income Solutions	ETF	258622109	2,342	127,643	SH		SOLE		127,643	0	0
IShares CMBS ETF	ETF	46429B366	5,943	111,725	SH		SOLE		111,725	0	0
IShares Tr Core Total US BD Mk	ETF	464287226	201	1,782	SH		SOLE		1,782	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	20,832	411,535	SH		SOLE		411,535	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	934	7,612	SH		SOLE		7,612	0	0
IShares Tr MBS ETF	ETF	464288588	13,389	121,754	SH		SOLE		121,754	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	1,242	11,162	SH		SOLE		11,162	0	0
Powershares ETF Tr Global I 30	ETF	73936T524	520	14,778	SH		SOLE		14,778	0	0
SPDR Ser Tr Barclays High Yiel	ETF	78464A417	418	11,716	SH		SOLE		11,716	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	270	5,340	SH		SOLE		5,340	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	6,199	73,535	SH		SOLE		73,535	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	11,546	129,140	SH		SOLE		129,140	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	588	7,278	SH		SOLE		7,278	0	0
iShares Core US Treasury Bond	ETF	46429B267	4,640	176,817	SH		SOLE		176,817	0	0