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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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
3M Co.	COM	88579Y101	639	3,626	SH		SOLE		3,626	0	0
AT&T Inc.	COM	00206R102	4,380	107,852	SH		SOLE		107,852	0	0
Abercrombie & Fitch Co	COM	002896207	163	10,275	SH		SOLE		10,275	0	0
Aflac Inc	COM	001055102	2,226	30,973	SH		SOLE		30,973	0	0
Alphabet Inc Cl A	COM	02079K305	24,563	30,548	SH		SOLE		30,548	0	0
Alphabet Inc Cl C	COM	02079K107	11,217	14,432	SH		SOLE		14,432	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	6,081	479,195	SH		SOLE		479,195	0	0
Altria Group Inc.	COM	02209S103	438	6,929	SH		SOLE		6,929	0	0
American Electric Power	COM	025537101	348	5,412	SH		SOLE		5,412	0	0
American Express Co	COM	025816109	8,237	128,618	SH		SOLE		128,618	0	0
Amgen Inc	COM	031162100	12,528	75,101	SH		SOLE		75,101	0	0
Apple Inc	COM	037833100	34,867	308,423	SH		SOLE		308,423	0	0
BP Amoco Plc Sponsored Adr	COM	055622104	5,354	152,276	SH		SOLE		152,276	0	0
Bank of America Corp	COM	060505104	224	14,293	SH		SOLE		14,293	0	0
Bank of Montreal	COM	063671101	15,572	237,485	SH		SOLE		237,485	0	0
Barings Corporate Invs	COM	06759X107	255	14,836	SH		SOLE		14,836	0	0
Becton Dickinson Corp	COM	075887109	11,909	66,263	SH		SOLE		66,263	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	648	4,488	SH		SOLE		4,488	0	0
Berkshire Hills Bancorp	COM	084680107	594	21,435	SH		SOLE		21,435	0	0
Biocorrx Inc Comm	COM	09073C106	0	10,000	SH		SOLE		10,000	0	0
Blackrock Inc Com	COM	09247X101	714	1,971	SH		SOLE		1,971	0	0
Boeing Co	COM	097023105	335	2,543	SH		SOLE		2,543	0	0
CVS Corp	COM	126650100	10,233	114,988	SH		SOLE		114,988	0	0
Calgon Carbon	COM	129603106	7,630	502,954	SH		SOLE		502,954	0	0
Celgene Corp	COM	151020104	802	7,671	SH		SOLE		7,671	0	0
Chevron Corp	COM	166764100	457	4,439	SH		SOLE		4,439	0	0
Chubb Corporation	COM	H1467J104	559	4,450	SH		SOLE		4,450	0	0
Cisco	COM	17275R102	14,062	443,312	SH		SOLE		443,312	0	0
Coca-Cola Co	COM	191216100	307	7,256	SH		SOLE		7,256	0	0
Colgate Palmolive	COM	194162103	254	3,425	SH		SOLE		3,425	0	0
Comcast Cl A	COM	20030N101	238	3,584	SH		SOLE		3,584	0	0
ConocoPhillips	COM	20825C104	6,920	159,193	SH		SOLE		159,193	0	0
Corning Inc	COM	219350105	4,563	192,928	SH		SOLE		192,928	0	0
Cummins Inc	COM	231021106	19,525	152,360	SH		SOLE		152,360	0	0
Danaher Corp Del	COM	235851102	689	8,791	SH		SOLE		8,791	0	0
Devon Energy Corp New Comm	COM	25179M103	5,617	127,350	SH		SOLE		127,350	0	0
Dominion Resources Inc	COM	25746U109	437	5,888	SH		SOLE		5,888	0	0
Duke Energy Corp	COM	26441C204	304	3,800	SH		SOLE		3,800	0	0
Dupont	COM	263534109	438	6,543	SH		SOLE		6,543	0	0
Eli Lilly & Co	COM	532457108	652	8,123	SH		SOLE		8,123	0	0
Emerging Markets MSCI	COM	464287234	6,466	172,656	SH		SOLE		172,656	0	0
Emerging Markets-Vanguard	COM	922042858	21,238	564,398	SH		SOLE		564,398	0	0
Escrow Gerber Scientific Inc.	COM	37373ESC5	0	85,212	SH		SOLE		85,212	0	0
Expeditors Intl	COM	302130109	3,194	62,004	SH		SOLE		62,004	0	0
ExxonMobil Corp	COM	30231G102	16,633	190,567	SH		SOLE		190,567	0	0
Facebook, Inc.	COM	30303M102	10,135	79,011	SH		SOLE		79,011	0	0
Fluor Corp New	COM	343412102	13,850	269,866	SH		SOLE		269,866	0	0
Ford Motor Company	COM	345370860	127	10,484	SH		SOLE		10,484	0	0
Fortive Corp	COM	34959J108	210	4,130	SH		SOLE		4,130	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	21,808	736,250	SH		SOLE		736,250	0	0
General Mills Inc	COM	370334104	576	9,010	SH		SOLE		9,010	0	0
Gilead Sciences Inc	COM	375558103	687	8,688	SH		SOLE		8,688	0	0
Goldman Sachs	COM	38141G104	10,986	68,120	SH		SOLE		68,120	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
HCP, Inc.	COM	40414L109	15,426	406,482	SH		SOLE		406,482	0	0
Harris Corp	COM	413875105	1,280	13,975	SH		SOLE		13,975	0	0
Home Depot Inc	COM	437076102	323	2,510	SH		SOLE		2,510	0	0
Hormel Foods	COM	440452100	2,044	53,893	SH		SOLE		53,893	0	0
IBM	COM	459200101	494	3,107	SH		SOLE		3,107	0	0
IShares Russell 2000	COM	464287655	959	7,717	SH		SOLE		7,717	0	0
IShares Telecom	COM	464287713	268	8,330	SH		SOLE		8,330	0	0
IShares Tr Russell 3000 Growth	COM	464287671	230	5,400	SH		SOLE		5,400	0	0
IShares Tr Russell 3000 Value	COM	464287663	225	4,890	SH		SOLE		4,890	0	0
Intel Corp	COM	458140100	3,223	85,388	SH		SOLE		85,388	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	594	6,929	SH		SOLE		6,929	0	0
Ishares TR Russell 2000 Growth	COM	464287648	391	2,627	SH		SOLE		2,627	0	0
Ishares TR Russell Midcap Grow	COM	464287481	3,275	33,636	SH		SOLE		33,636	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	230	3,894	SH		SOLE		3,894	0	0
Ishares Tr Russell 2000 Value	COM	464287630	260	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P U S Pfd Stock I	COM	464288687	5,630	142,526	SH		SOLE		142,526	0	0
JP Morgan Chase	COM	46625H100	21,697	325,824	SH		SOLE		325,824	0	0
Johnson & Johnson	COM	478160104	19,670	166,507	SH		SOLE		166,507	0	0
Kohls Corp	COM	500255104	2,039	46,615	SH		SOLE		46,615	0	0
Lockheed Martin Corp	COM	539830109	403	1,681	SH		SOLE		1,681	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	2,904	36,008	SH		SOLE		36,008	0	0
M & T Bk Corp	COM	55261F104	931	8,020	SH		SOLE		8,020	0	0
Magellan Midstream Partners	COM	559080106	407	5,750	SH		SOLE		5,750	0	0
McDonald's Corp	COM	580135101	415	3,601	SH		SOLE		3,601	0	0
Medtronic PLC SHS	COM	G5960L103	15,399	178,234	SH		SOLE		178,234	0	0
Merck & Co Inc	COM	58933Y105	275	4,409	SH		SOLE		4,409	0	0
Microsoft Corp	COM	594918104	2,940	51,049	SH		SOLE		51,049	0	0
Mondelez Intl Inc Class A	COM	609207105	224	5,092	SH		SOLE		5,092	0	0
Nextera Energy Inc Com	COM	65339F101	396	3,238	SH		SOLE		3,238	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,626	230,781	SH		SOLE		230,781	0	0
Novartis AG Sponsored Adr	COM	66987V109	423	5,362	SH		SOLE		5,362	0	0
Novo-Nordisk A S	COM	670100205	4,262	102,485	SH		SOLE		102,485	0	0
Occidental Pete Corp	COM	674599105	2,125	29,148	SH		SOLE		29,148	0	0
Oracle Corp	COM	68389X105	8,725	222,124	SH		SOLE		222,124	0	0
Palo Alto Networks Inc Com	COM	697435105	973	6,109	SH		SOLE		6,109	0	0
Peoples Financial	COM	712704105	3,087	195,156	SH		SOLE		195,156	0	0
Pepsico Inc	COM	713448108	14,551	133,779	SH		SOLE		133,779	0	0
Pfizer Inc	COM	717081103	3,885	114,715	SH		SOLE		114,715	0	0
Phillip Morris International,	COM	718172109	220	2,268	SH		SOLE		2,268	0	0
Polaris Industries Inc	COM	731068102	11,460	147,980	SH		SOLE		147,980	0	0
Potash Corp	COM	73755L107	1,403	85,981	SH		SOLE		85,981	0	0
Procter & Gamble	COM	742718109	22,830	254,373	SH		SOLE		254,373	0	0
Qualcomm INC	COM	747525103	19,280	281,456	SH		SOLE		281,456	0	0
S&P Global Inc	COM	78409V104	215	1,700	SH		SOLE		1,700	0	0
SPDR Gold Trust	COM	78463V107	254	2,022	SH		SOLE		2,022	0	0
SPDR S&P Midcap 400	COM	78467Y107	5,937	21,032	SH		SOLE		21,032	0	0
Sally Beauty Company	COM	79546E104	12,523	487,647	SH		SOLE		487,647	0	0
Schlumberger Ltd	COM	806857108	4,266	54,241	SH		SOLE		54,241	0	0
Southern Co Com	COM	842587107	430	8,382	SH		SOLE		8,382	0	0
Spdr Ser Tr S&P Homebuilders E	COM	78464A888	388	11,425	SH		SOLE		11,425	0	0
Spdr Tr Unit Ser 1	COM	78462F103	11,582	53,546	SH		SOLE		53,546	0	0
State Street Corp	COM	857477103	928	13,325	SH		SOLE		13,325	0	0
Stericycle Inc	COM	858912108	10,040	125,278	SH		SOLE		125,278	0	0
TJX Companies Inc.	COM	872540109	753	10,075	SH		SOLE		10,075	0	0
Target Corp	COM	87612E106	932	13,564	SH		SOLE		13,564	0	0
Teva Pharmaceutical Ind Ltd	COM	881624209	6,014	130,714	SH		SOLE		130,714	0	0
United Technologies	COM	913017109	656	6,453	SH		SOLE		6,453	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	3,011	23,265	SH		SOLE		23,265	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	12,188	99,756	SH		SOLE		99,756	0	0
Vanguard REIT ETF	COM	922908553	2,156	24,854	SH		SOLE		24,854	0	0
Vanguard Short Term BD ETF	COM	921937827	6,173	76,370	SH		SOLE		76,370	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	29,558	790,104	SH		SOLE		790,104	0	0
Vanguard World Fds Vanguard He	COM	92204A504	443	3,335	SH		SOLE		3,335	0	0
Vanguard World Fds Vanguard In	COM	92204A702	228	1,895	SH		SOLE		1,895	0	0
Verizon Communications	COM	92343V104	1,411	27,139	SH		SOLE		27,139	0	0
Visa Inc Cls A	COM	92826C839	1,064	12,861	SH		SOLE		12,861	0	0
Walgreen Boots	COM	931427108	280	3,469	SH		SOLE		3,469	0	0
Walt Disney	COM	254687106	723	7,786	SH		SOLE		7,786	0	0
Wells Fargo & Co	COM	949746101	5,143	116,138	SH		SOLE		116,138	0	0
Whole Foods Market Inc	COM	966837106	4,604	162,403	SH		SOLE		162,403	0	0
Yum! Brands Inc	COM	988498101	748	8,239	SH		SOLE		8,239	0	0
Doubleline Income Solutions	ETF	258622109	2,434	127,103	SH		SOLE		127,103	0	0
IShares CMBS ETF	ETF	46429B366	8,357	157,445	SH		SOLE		157,445	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	20,355	401,074	SH		SOLE		401,074	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	975	7,918	SH		SOLE		7,918	0	0
IShares Tr MBS ETF	ETF	464288588	14,483	131,559	SH		SOLE		131,559	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	1,299	11,664	SH		SOLE		11,664	0	0
Powershares ETF Tr Global I 30	ETF	73936T524	521	15,010	SH		SOLE		15,010	0	0
SPDR Ser Tr Barclays High Yiel	ETF	78464A417	503	13,686	SH		SOLE		13,686	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	414	8,270	SH		SOLE		8,270	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	5,574	66,241	SH		SOLE		66,241	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	12,921	144,245	SH		SOLE		144,245	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	626	7,768	SH		SOLE		7,768	0	0
iShares Core US Treasury Bond	ETF	46429B267	4,824	184,967	SH		SOLE		184,967	0	0