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
3M Co.	COM	88579Y101	1,720	8,742	SH		SOLE		8,742	0	0
AT&T Inc.	COM	00206R102	3,648	113,617	SH		SOLE		113,617	0	0
Abbott Laboratories	COM	002824100	559	9,167	SH		SOLE		9,167	0	0
Abbvie Inc	COM	00287Y109	1,129	12,184	SH		SOLE		12,184	0	0
Accenture PLC Ireland	COM	G1151C101	271	1,658	SH		SOLE		1,658	0	0
Aetna Inc	COM	00817Y108	488	2,661	SH		SOLE		2,661	0	0
Aflac Inc	COM	001055102	707	16,432	SH		SOLE		16,432	0	0
Air Prods & Chems Inc	COM	009158106	610	3,918	SH		SOLE		3,918	0	0
Alphabet Inc Cl A	COM	02079K305	28,310	25,071	SH		SOLE		25,071	0	0
Alphabet Inc Cl C	COM	02079K107	6,242	5,595	SH		SOLE		5,595	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	20,251	2,005,012	SH		SOLE		2,005,012	0	0
Altria Group Inc.	COM	02209S103	568	10,004	SH		SOLE		10,004	0	0
Amazon Inc	COM	023135106	741	436	SH		SOLE		436	0	0
American Electric Power	COM	025537101	385	5,554	SH		SOLE		5,554	0	0
American Express Co	COM	025816109	10,077	102,831	SH		SOLE		102,831	0	0
Amgen Inc	COM	031162100	18,274	99,000	SH		SOLE		99,000	0	0
Analog Devices	COM	032654105	492	5,125	SH		SOLE		5,125	0	0
Apple Inc	COM	037833100	36,582	197,625	SH		SOLE		197,625	0	0
Applied Materials Inc	COM	038222105	797	17,250	SH		SOLE		17,250	0	0
Arthur J Gallagher & Co	COM	363576109	274	4,195	SH		SOLE		4,195	0	0
Automatic Data Processing Inc	COM	053015103	1,186	8,840	SH		SOLE		8,840	0	0
Bank of America Corp	COM	060505104	488	17,325	SH		SOLE		17,325	0	0
Bank of Montreal	COM	063671101	16,276	210,661	SH		SOLE		210,661	0	0
Barings Corporate Invs	COM	06759X107	269	17,827	SH		SOLE		17,827	0	0
Bearing Lithium Corp	COM	073895104	5	20,000	SH		SOLE		20,000	0	0
Becton Dickinson Corp	COM	075887109	9,644	40,259	SH		SOLE		40,259	0	0
Berkshire Hathaway Inc Cl A	COM	084670108	282	1	SH		SOLE		1	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	903	4,838	SH		SOLE		4,838	0	0
Berkshire Hills Bancorp	COM	084680107	757	18,645	SH		SOLE		18,645	0	0
Biocorrx Inc Comm	COM	09073C106	1	10,000	SH		SOLE		10,000	0	0
Blackrock Inc Com	COM	09247X101	1,675	3,356	SH		SOLE		3,356	0	0
Boeing Co	COM	097023105	1,422	4,238	SH		SOLE		4,238	0	0
CME Group Inc	COM	12572Q105	440	2,685	SH		SOLE		2,685	0	0
CVS Corp	COM	126650100	13,464	209,234	SH		SOLE		209,234	0	0
Caterpillar Inc Com	COM	149123101	470	3,465	SH		SOLE		3,465	0	0
Celgene Corp	COM	151020104	7,690	96,833	SH		SOLE		96,833	0	0
Cerner Corp	COM	156782104	11,009	184,131	SH		SOLE		184,131	0	0
Chevron Corp	COM	166764100	1,226	9,695	SH		SOLE		9,695	0	0
Chubb Corporation	COM	H1467J104	12,184	95,919	SH		SOLE		95,919	0	0
Cisco	COM	17275R102	20,742	482,039	SH		SOLE		482,039	0	0
Citizans Finl Group Inc	COM	174610105	224	5,770	SH		SOLE		5,770	0	0
Clorox Co	COM	189054109	505	3,735	SH		SOLE		3,735	0	0
Coca-Cola Co	COM	191216100	852	19,427	SH		SOLE		19,427	0	0
Colgate Palmolive	COM	194162103	748	11,545	SH		SOLE		11,545	0	0
Comcast Cl A	COM	20030N101	342	10,431	SH		SOLE		10,431	0	0
Corning Inc	COM	219350105	3,723	135,328	SH		SOLE		135,328	0	0
Cummins Inc	COM	231021106	9,526	71,625	SH		SOLE		71,625	0	0
Danaher Corp Del	COM	235851102	1,493	15,125	SH		SOLE		15,125	0	0
Deere & Co	COM	244199105	411	2,943	SH		SOLE		2,943	0	0
Discovery Communications Inc	COM	25470F302	2,752	107,914	SH		SOLE		107,914	0	0
Dominion Resources Inc	COM	25746U109	947	13,893	SH		SOLE		13,893	0	0
Dowdupont Inc	COM	26078J100	1,916	29,059	SH		SOLE		29,059	0	0
Duke Energy Corp	COM	26441C204	298	3,767	SH		SOLE		3,767	0	0
Eaton Corp PLC	COM	G29183103	786	10,517	SH		SOLE		10,517	0	0
Emerging Markets MSCI	COM	464287234	8,630	199,173	SH		SOLE		199,173	0	0
Emerging Markets-Vanguard	COM	922042858	30,622	725,631	SH		SOLE		725,631	0	0
Emerson Electric	COM	291011104	1,306	18,888	SH		SOLE		18,888	0	0
Enterprise Product Partners	COM	293792107	579	20,910	SH		SOLE		20,910	0	0
Eversource Energy	COM	30040W108	626	10,682	SH		SOLE		10,682	0	0
Exelon Corp	COM	30161N101	212	4,987	SH		SOLE		4,987	0	0
ExxonMobil Corp	COM	30231G102	16,707	201,943	SH		SOLE		201,943	0	0
Facebook, Inc.	COM	30303M102	4,902	25,225	SH		SOLE		25,225	0	0
Fidelity Natl Information Svcs	COM	31620M106	204	1,920	SH		SOLE		1,920	0	0
Fluor Corp New	COM	343412102	4,786	98,113	SH		SOLE		98,113	0	0
Fortive Corp	COM	34959J108	550	7,135	SH		SOLE		7,135	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	15,349	1,127,751	SH		SOLE		1,127,751	0	0
General Mills Inc	COM	370334104	13,541	305,951	SH		SOLE		305,951	0	0
Gilead Sciences Inc	COM	375558103	276	3,901	SH		SOLE		3,901	0	0
Global X MLP	COM	37950E473	20,239	2,209,475	SH		SOLE		2,209,475	0	0
Goldman Sachs	COM	38141G104	7,167	32,492	SH		SOLE		32,492	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
Harris Corp	COM	413875105	1,474	10,198	SH		SOLE		10,198	0	0
Home Depot Inc	COM	437076102	2,278	11,674	SH		SOLE		11,674	0	0
Honeywell Intl	COM	438516106	1,011	7,017	SH		SOLE		7,017	0	0
Hormel Foods	COM	440452100	1,812	48,706	SH		SOLE		48,706	0	0
IBM	COM	459200101	463	3,313	SH		SOLE		3,313	0	0
IShares Russell 2000	COM	464287655	1,156	7,058	SH		SOLE		7,058	0	0
IShares Tr Russell 3000 Growth	COM	464287671	356	6,220	SH		SOLE		6,220	0	0
IShares Tr Russell 3000 Value	COM	464287663	297	5,542	SH		SOLE		5,542	0	0
Illinois Tool Works Inc	COM	452308109	536	3,870	SH		SOLE		3,870	0	0
Ingersoll Rand PLC	COM	G47791101	611	6,810	SH		SOLE		6,810	0	0
Intel Corp	COM	458140100	3,883	78,122	SH		SOLE		78,122	0	0
Invesco QQQ Tr Unit Ser 1	COM	46090E103	221	1,285	SH		SOLE		1,285	0	0
Invictus MD Strategies Corp	COM	46183X208	24	20,090	SH		SOLE		20,090	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	583	5,965	SH		SOLE		5,965	0	0
Ishares TR Russell 2000 Growth	COM	464287648	433	2,120	SH		SOLE		2,120	0	0
Ishares TR Russell Midcap Valu	COM	464287473	271	3,062	SH		SOLE		3,062	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	317	4,739	SH		SOLE		4,739	0	0
Ishares Tr Russell 1000 Growth	COM	464287614	244	1,700	SH		SOLE		1,700	0	0
Ishares Tr Russell 2000 Value	COM	464287630	328	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P 100 ETF	COM	464287101	254	2,125	SH		SOLE		2,125	0	0
JP Morgan Chase	COM	46625H100	19,254	184,778	SH		SOLE		184,778	0	0
Johnson & Johnson	COM	478160104	17,829	146,938	SH		SOLE		146,938	0	0
Kimberly-Clark Corp	COM	494368103	478	4,538	SH		SOLE		4,538	0	0
L Brands Inc	COM	501797104	14,416	390,901	SH		SOLE		390,901	0	0
Lockheed Martin Corp	COM	539830109	498	1,685	SH		SOLE		1,685	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	6,256	56,954	SH		SOLE		56,954	0	0
Magellan Midstream Partners	COM	559080106	373	5,400	SH		SOLE		5,400	0	0
Mastercard, Inc	COM	57636Q104	313	1,591	SH		SOLE		1,591	0	0
McCormick Co	COM	579780206	350	3,015	SH		SOLE		3,015	0	0
McDonald's Corp	COM	580135101	1,737	11,088	SH		SOLE		11,088	0	0
Medtronic PLC SHS	COM	G5960L103	9,944	116,156	SH		SOLE		116,156	0	0
Merck & Co Inc	COM	58933Y105	959	15,802	SH		SOLE		15,802	0	0
Microsoft Corp	COM	594918104	3,096	31,401	SH		SOLE		31,401	0	0
National Oilwell Varco, Inc.	COM	637071101	16,249	374,403	SH		SOLE		374,403	0	0
Nextera Energy Inc Com	COM	65339F101	741	4,434	SH		SOLE		4,434	0	0
Nike Inc Cl B	COM	654106103	619	7,763	SH		SOLE		7,763	0	0
Norfolk Southern Corp	COM	655844108	240	1,590	SH		SOLE		1,590	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,776	217,146	SH		SOLE		217,146	0	0
Novartis AG Sponsored Adr	COM	66987V109	360	4,765	SH		SOLE		4,765	0	0
Novo-Nordisk A S	COM	670100205	8,506	184,422	SH		SOLE		184,422	0	0
Occidental Pete Corp	COM	674599105	248	2,962	SH		SOLE		2,962	0	0
Oracle Corp	COM	68389X105	8,380	190,198	SH		SOLE		190,198	0	0
Palo Alto Networks Inc Com	COM	697435105	3,040	14,794	SH		SOLE		14,794	0	0
Peoples Financial	COM	712704105	3,389	187,326	SH		SOLE		187,326	0	0
Pepsico Inc	COM	713448108	12,917	118,646	SH		SOLE		118,646	0	0
Pfizer Inc	COM	717081103	4,552	125,474	SH		SOLE		125,474	0	0
Phillip Morris International,	COM	718172109	269	3,330	SH		SOLE		3,330	0	0
Phillips 66	COM	718546104	247	2,203	SH		SOLE		2,203	0	0
Praxair, Inc	COM	74005P104	355	2,246	SH		SOLE		2,246	0	0
Procter & Gamble	COM	742718109	18,586	238,097	SH		SOLE		238,097	0	0
Qualcomm INC	COM	747525103	20,635	367,688	SH		SOLE		367,688	0	0
Rayonier Inc	COM	754907103	13,879	358,715	SH		SOLE		358,715	0	0
Raytheon Co	COM	755111507	375	1,941	SH		SOLE		1,941	0	0
S&P 400 ETF	COM	464287507	250	1,284	SH		SOLE		1,284	0	0
S&P Global Inc	COM	78409V104	204	1,000	SH		SOLE		1,000	0	0
SPDR Gold Trust	COM	78463V107	257	2,166	SH		SOLE		2,166	0	0
Sally Beauty Company	COM	79546E104	12,432	775,529	SH		SOLE		775,529	0	0
Schlumberger Ltd	COM	806857108	10,246	152,853	SH		SOLE		152,853	0	0
Southern Co Com	COM	842587107	365	7,876	SH		SOLE		7,876	0	0
Spdr Tr Unit Ser 1	COM	78462F103	31,052	114,465	SH		SOLE		114,465	0	0
State Street Corp	COM	857477103	372	4,000	SH		SOLE		4,000	0	0
Stryker Corp	COM	863667101	292	1,731	SH		SOLE		1,731	0	0
TJX Companies Inc.	COM	872540109	2,207	23,191	SH		SOLE		23,191	0	0
Taiwan Semiconductor-ADR	COM	874039100	340	9,300	SH		SOLE		9,300	0	0
Target Corp	COM	87612E106	784	10,299	SH		SOLE		10,299	0	0
Texas Instruments	COM	882508104	716	6,490	SH		SOLE		6,490	0	0
US Bancorp Del	COM	902973304	273	5,448	SH		SOLE		5,448	0	0
Union Pacific Corp	COM	907818108	256	1,804	SH		SOLE		1,804	0	0
United Healthgroup Inc	COM	91324P102	1,809	7,372	SH		SOLE		7,372	0	0
United Technologies	COM	913017109	1,219	9,746	SH		SOLE		9,746	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	7,445	47,824	SH		SOLE		47,824	0	0
Vanguard Index Total Stock Mkt	COM	922908769	353	2,512	SH		SOLE		2,512	0	0
Vanguard REIT ETF	COM	922908553	237	2,915	SH		SOLE		2,915	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	426	9,930	SH		SOLE		9,930	0	0
Vanguard World Fds Vanguard He	COM	92204A504	502	3,155	SH		SOLE		3,155	0	0
Vanguard World Fds Vanguard In	COM	92204A702	278	1,530	SH		SOLE		1,530	0	0
Verizon Communications	COM	92343V104	11,716	232,877	SH		SOLE		232,877	0	0
Visa Inc Cls A	COM	92826C839	2,332	17,605	SH		SOLE		17,605	0	0
Wal-Mart Stores Inc	COM	931142103	372	4,347	SH		SOLE		4,347	0	0
Walt Disney	COM	254687106	9,571	91,313	SH		SOLE		91,313	0	0
Wells Fargo & Co	COM	949746101	9,732	175,544	SH		SOLE		175,544	0	0
Zimmer Hldgs Inc	COM	98956P102	5,842	52,422	SH		SOLE		52,422	0	0
IShares CMBS ETF	ETF	46429B366	18,416	367,608	SH		SOLE		367,608	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	22,781	446,682	SH		SOLE		446,682	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	331	2,890	SH		SOLE		2,890	0	0
IShares Tr MBS ETF	ETF	464288588	26,022	249,775	SH		SOLE		249,775	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	279	2,630	SH		SOLE		2,630	0	0
Ishares Tr S&P U S Pfd Stock I	ETF	464288687	12,477	330,865	SH		SOLE		330,865	0	0
Ivesco ETF Tr II 1-30 Laddered	ETF	46138E107	618	19,490	SH		SOLE		19,490	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	834	17,390	SH		SOLE		17,390	0	0
Spdr Nuveen Barclays Cap Short	ETF	78468R739	604	12,579	SH		SOLE		12,579	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	3,735	47,167	SH		SOLE		47,167	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	33,802	404,721	SH		SOLE		404,721	0	0
Vanguard Short Term BD ETF	ETF	921937827	5,913	75,603	SH		SOLE		75,603	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	651	8,332	SH		SOLE		8,332	0	0
iShares Core US Treasury Bond	ETF	46429B267	10,043	407,844	SH		SOLE		407,844	0	0