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	2,165	10,273	SH		SOLE		10,273	0	0
AT&T Inc.	COM	00206R102	3,756	111,848	SH		SOLE		111,848	0	0
Abbott Laboratories	COM	002824100	933	12,722	SH		SOLE		12,722	0	0
Abbvie Inc	COM	00287Y109	1,204	12,732	SH		SOLE		12,732	0	0
Accenture PLC Ireland	COM	G1151C101	255	1,500	SH		SOLE		1,500	0	0
Aetna Inc	COM	00817Y108	540	2,661	SH		SOLE		2,661	0	0
Aflac Inc	COM	001055102	768	16,322	SH		SOLE		16,322	0	0
Air Prods & Chems Inc	COM	009158106	647	3,873	SH		SOLE		3,873	0	0
Alphabet Inc Cl A	COM	02079K305	25,661	21,259	SH		SOLE		21,259	0	0
Alphabet Inc Cl C	COM	02079K107	4,948	4,146	SH		SOLE		4,146	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	20,976	1,964,007	SH		SOLE		1,964,007	0	0
Altria Group Inc.	COM	02209S103	579	9,594	SH		SOLE		9,594	0	0
Amazon Inc	COM	023135106	883	441	SH		SOLE		441	0	0
American Electric Power	COM	025537101	388	5,473	SH		SOLE		5,473	0	0
American Express Co	COM	025816109	10,751	100,956	SH		SOLE		100,956	0	0
American Intl Group	COM	026874784	238	4,474	SH		SOLE		4,474	0	0
Amgen Inc	COM	031162100	20,303	97,945	SH		SOLE		97,945	0	0
Analog Devices	COM	032654105	474	5,125	SH		SOLE		5,125	0	0
Apple Inc	COM	037833100	44,551	197,356	SH		SOLE		197,356	0	0
Applied Materials Inc	COM	038222105	930	24,060	SH		SOLE		24,060	0	0
Arthur J Gallagher & Co	COM	363576109	312	4,195	SH		SOLE		4,195	0	0
Automatic Data Processing Inc	COM	053015103	1,581	10,495	SH		SOLE		10,495	0	0
Bank of America Corp	COM	060505104	511	17,337	SH		SOLE		17,337	0	0
Bank of Montreal	COM	063671101	17,131	207,571	SH		SOLE		207,571	0	0
Barings Corporate Invs	COM	06759X107	273	17,827	SH		SOLE		17,827	0	0
Bearing Lithium Corp	COM	073898108	4	20,000	SH		SOLE		20,000	0	0
Becton Dickinson Corp	COM	075887109	10,318	39,531	SH		SOLE		39,531	0	0
Berkshire Hathaway Inc Cl A	COM	084670108	320	1	SH		SOLE		1	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	1,250	5,838	SH		SOLE		5,838	0	0
Berkshire Hills Bancorp	COM	084680107	751	18,452	SH		SOLE		18,452	0	0
Biocorrx Inc Comm	COM	09073C106	1	10,000	SH		SOLE		10,000	0	0
Blackrock Inc Com	COM	09247X101	1,709	3,626	SH		SOLE		3,626	0	0
Boeing Co	COM	097023105	1,590	4,276	SH		SOLE		4,276	0	0
Bristol Myers Squibb	COM	110122108	402	6,483	SH		SOLE		6,483	0	0
CME Group Inc	COM	12572Q105	493	2,895	SH		SOLE		2,895	0	0
CVS Corp	COM	126650100	16,707	212,237	SH		SOLE		212,237	0	0
Capital One Financial Corp.	COM	14040H105	235	2,480	SH		SOLE		2,480	0	0
Caterpillar Inc Com	COM	149123101	523	3,430	SH		SOLE		3,430	0	0
Celgene Corp	COM	151020104	9,087	101,545	SH		SOLE		101,545	0	0
Cerner Corp	COM	156782104	12,000	186,306	SH		SOLE		186,306	0	0
Chevron Corp	COM	166764100	1,355	11,078	SH		SOLE		11,078	0	0
Chubb Corporation	COM	H1467J104	13,354	99,926	SH		SOLE		99,926	0	0
Cisco	COM	17275R102	23,081	474,435	SH		SOLE		474,435	0	0
Clorox Co	COM	189054109	562	3,735	SH		SOLE		3,735	0	0
Coca-Cola Co	COM	191216100	911	19,717	SH		SOLE		19,717	0	0
Colgate Palmolive	COM	194162103	968	14,465	SH		SOLE		14,465	0	0
Comcast Cl A	COM	20030N101	381	10,766	SH		SOLE		10,766	0	0
Corning Inc	COM	219350105	4,608	130,543	SH		SOLE		130,543	0	0
Cummins Inc	COM	231021106	11,545	79,040	SH		SOLE		79,040	0	0
Danaher Corp Del	COM	235851102	1,661	15,288	SH		SOLE		15,288	0	0
Deere & Co	COM	244199105	385	2,563	SH		SOLE		2,563	0	0
Discovery Communications Inc	COM	25470F302	2,866	96,879	SH		SOLE		96,879	0	0
Dollar Gen Corp New Com	COM	256677105	214	1,960	SH		SOLE		1,960	0	0
Dominion Resources Inc	COM	25746U109	1,022	14,548	SH		SOLE		14,548	0	0
Dowdupont Inc	COM	26078J100	2,238	34,807	SH		SOLE		34,807	0	0
Duke Energy Corp	COM	26441C204	365	4,566	SH		SOLE		4,566	0	0
Eaton Corp PLC	COM	G29183103	825	9,517	SH		SOLE		9,517	0	0
Emerging Markets MSCI	COM	464287234	8,632	201,111	SH		SOLE		201,111	0	0
Emerging Markets-Vanguard	COM	922042858	31,423	766,416	SH		SOLE		766,416	0	0
Emerson Electric	COM	291011104	1,457	19,028	SH		SOLE		19,028	0	0
Enterprise Product Partners	COM	293792107	598	20,810	SH		SOLE		20,810	0	0
Eversource Energy	COM	30040W108	761	12,381	SH		SOLE		12,381	0	0
ExxonMobil Corp	COM	30231G102	16,935	199,189	SH		SOLE		199,189	0	0
Facebook, Inc.	COM	30303M102	5,286	32,142	SH		SOLE		32,142	0	0
Fidelity Natl Information Svcs	COM	31620M106	209	1,920	SH		SOLE		1,920	0	0
First American Financial Corp	COM	31847R102	4,269	82,745	SH		SOLE		82,745	0	0
First Data Corp	COM	32008D106	276	11,260	SH		SOLE		11,260	0	0
Fluor Corp New	COM	343412102	5,529	95,158	SH		SOLE		95,158	0	0
Fortive Corp	COM	34959J108	579	6,879	SH		SOLE		6,879	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	13,363	1,183,626	SH		SOLE		1,183,626	0	0
General Mills Inc	COM	370334104	13,429	312,895	SH		SOLE		312,895	0	0
Gilead Sciences Inc	COM	375558103	445	5,767	SH		SOLE		5,767	0	0
Global X MLP	COM	37950E473	21,891	2,292,270	SH		SOLE		2,292,270	0	0
Goldman Sachs	COM	38141G104	7,210	32,152	SH		SOLE		32,152	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
Harris Corp	COM	413875105	1,683	9,948	SH		SOLE		9,948	0	0
Home Depot Inc	COM	437076102	2,869	13,849	SH		SOLE		13,849	0	0
Honeywell Intl	COM	438516106	1,168	7,017	SH		SOLE		7,017	0	0
Hormel Foods	COM	440452100	1,882	47,761	SH		SOLE		47,761	0	0
IBM	COM	459200101	772	5,108	SH		SOLE		5,108	0	0
IShares Russell 2000	COM	464287655	1,185	7,031	SH		SOLE		7,031	0	0
IShares Tr Russell 1000 Value	COM	464287598	248	1,960	SH		SOLE		1,960	0	0
IShares Tr Russell 3000 Growth	COM	464287671	357	5,745	SH		SOLE		5,745	0	0
IShares Tr Russell 3000 Value	COM	464287663	312	5,542	SH		SOLE		5,542	0	0
Illinois Tool Works Inc	COM	452308109	864	6,120	SH		SOLE		6,120	0	0
Ingersoll Rand PLC	COM	G47791101	650	6,350	SH		SOLE		6,350	0	0
Intel Corp	COM	458140100	3,762	79,562	SH		SOLE		79,562	0	0
Invesco ETF Tr II Pfd	COM	46138E511	199	13,926	SH		SOLE		13,926	0	0
Invesco QQQ Tr Unit Ser 1	COM	46090E103	211	1,135	SH		SOLE		1,135	0	0
Invictus MD Strategies Corp	COM	46183X208	28	20,090	SH		SOLE		20,090	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	584	5,855	SH		SOLE		5,855	0	0
Ishares TR Russell 2000 Growth	COM	464287648	456	2,120	SH		SOLE		2,120	0	0
Ishares TR Russell Midcap Valu	COM	464287473	272	3,013	SH		SOLE		3,013	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	616	9,065	SH		SOLE		9,065	0	0
Ishares Tr Russell 1000 Growth	COM	464287614	265	1,700	SH		SOLE		1,700	0	0
Ishares Tr Russell 2000 Value	COM	464287630	331	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P 100 ETF	COM	464287101	275	2,125	SH		SOLE		2,125	0	0
JP Morgan Chase	COM	46625H100	21,035	186,418	SH		SOLE		186,418	0	0
Johnson & Johnson	COM	478160104	20,272	146,718	SH		SOLE		146,718	0	0
Kimberly-Clark Corp	COM	494368103	598	5,259	SH		SOLE		5,259	0	0
L Brands Inc	COM	501797104	6,501	214,556	SH		SOLE		214,556	0	0
Lockheed Martin Corp	COM	539830109	583	1,685	SH		SOLE		1,685	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	7,335	71,551	SH		SOLE		71,551	0	0
Magellan Midstream Partners	COM	559080106	328	4,850	SH		SOLE		4,850	0	0
Mastercard, Inc	COM	57636Q104	354	1,591	SH		SOLE		1,591	0	0
McCormick Co	COM	579780206	397	3,015	SH		SOLE		3,015	0	0
McDonald's Corp	COM	580135101	2,051	12,261	SH		SOLE		12,261	0	0
Medtronic PLC SHS	COM	G5960L103	6,639	67,487	SH		SOLE		67,487	0	0
Merck & Co Inc	COM	58933Y105	1,300	18,319	SH		SOLE		18,319	0	0
Microsoft Corp	COM	594918104	3,934	34,393	SH		SOLE		34,393	0	0
Mondelez Intl Inc Class A	COM	609207105	207	4,830	SH		SOLE		4,830	0	0
National Oilwell Varco, Inc.	COM	637071101	13,882	322,248	SH		SOLE		322,248	0	0
Nextera Energy Inc Com	COM	65339F101	811	4,836	SH		SOLE		4,836	0	0
Nike Inc Cl B	COM	654106103	932	11,003	SH		SOLE		11,003	0	0
Norfolk Southern Corp	COM	655844108	283	1,570	SH		SOLE		1,570	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,701	213,701	SH		SOLE		213,701	0	0
Novartis AG Sponsored Adr	COM	66987V109	411	4,765	SH		SOLE		4,765	0	0
Novo-Nordisk A S	COM	670100205	8,853	187,792	SH		SOLE		187,792	0	0
Oracle Corp	COM	68389X105	10,140	196,658	SH		SOLE		196,658	0	0
Palo Alto Networks Inc Com	COM	697435105	951	4,220	SH		SOLE		4,220	0	0
Peoples Financial	COM	712704105	3,142	183,506	SH		SOLE		183,506	0	0
Pepsico Inc	COM	713448108	12,010	107,424	SH		SOLE		107,424	0	0
Pfizer Inc	COM	717081103	5,257	119,287	SH		SOLE		119,287	0	0
Phillip Morris International,	COM	718172109	384	4,710	SH		SOLE		4,710	0	0
Phillips 66	COM	718546104	248	2,203	SH		SOLE		2,203	0	0
Praxair, Inc	COM	74005P104	326	2,031	SH		SOLE		2,031	0	0
Procter & Gamble	COM	742718109	20,178	242,436	SH		SOLE		242,436	0	0
Qualcomm INC	COM	747525103	18,799	260,984	SH		SOLE		260,984	0	0
Rayonier Inc	COM	754907103	12,525	370,440	SH		SOLE		370,440	0	0
Raytheon Co	COM	755111507	461	2,231	SH		SOLE		2,231	0	0
S&P 400 ETF	COM	464287507	230	1,144	SH		SOLE		1,144	0	0
SPDR Gold Trust	COM	78463V107	227	2,012	SH		SOLE		2,012	0	0
Sally Beauty Company	COM	79546E104	14,382	782,034	SH		SOLE		782,034	0	0
Schlumberger Ltd	COM	806857108	10,973	180,115	SH		SOLE		180,115	0	0
Seagate Technology PLC Shrs	COM	G7945M107	209	4,420	SH		SOLE		4,420	0	0
Southern Co Com	COM	842587107	348	7,990	SH		SOLE		7,990	0	0
Spdr Tr Unit Ser 1	COM	78462F103	36,792	126,554	SH		SOLE		126,554	0	0
State Street Corp	COM	857477103	386	4,605	SH		SOLE		4,605	0	0
Stryker Corp	COM	863667101	302	1,701	SH		SOLE		1,701	0	0
TJX Companies Inc.	COM	872540109	2,734	24,405	SH		SOLE		24,405	0	0
Taiwan Semiconductor-ADR	COM	874039100	411	9,300	SH		SOLE		9,300	0	0
Target Corp	COM	87612E106	843	9,554	SH		SOLE		9,554	0	0
Texas Instruments	COM	882508104	696	6,490	SH		SOLE		6,490	0	0
US Bancorp Del	COM	902973304	347	6,573	SH		SOLE		6,573	0	0
Union Pacific Corp	COM	907818108	567	3,484	SH		SOLE		3,484	0	0
United Healthgroup Inc	COM	91324P102	2,698	10,142	SH		SOLE		10,142	0	0
United Parcel Svc Cl B	COM	911312106	211	1,810	SH		SOLE		1,810	0	0
United Technologies	COM	913017109	1,551	11,093	SH		SOLE		11,093	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	7,608	46,796	SH		SOLE		46,796	0	0
Vanguard Index Total Stock Mkt	COM	922908769	336	2,243	SH		SOLE		2,243	0	0
Vanguard REIT ETF	COM	922908553	254	3,150	SH		SOLE		3,150	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	430	9,930	SH		SOLE		9,930	0	0
Vanguard World Fds Vanguard He	COM	92204A504	569	3,155	SH		SOLE		3,155	0	0
Vanguard World Fds Vanguard In	COM	92204A702	310	1,530	SH		SOLE		1,530	0	0
Verizon Communications	COM	92343V104	12,823	240,174	SH		SOLE		240,174	0	0
Visa Inc Cls A	COM	92826C839	2,538	16,913	SH		SOLE		16,913	0	0
Wal-Mart Stores Inc	COM	931142103	405	4,316	SH		SOLE		4,316	0	0
Walgreen Boots	COM	931427108	203	2,779	SH		SOLE		2,779	0	0
Walt Disney	COM	254687106	11,400	97,484	SH		SOLE		97,484	0	0
Wells Fargo & Co	COM	949746101	9,705	184,655	SH		SOLE		184,655	0	0
Zimmer Hldgs Inc	COM	98956P102	7,432	56,528	SH		SOLE		56,528	0	0
IShares CMBS ETF	ETF	46429B366	19,639	394,433	SH		SOLE		394,433	0	0
IShares Tr Barclays 3-7 Yr Tre	ETF	464288661	207	1,740	SH		SOLE		1,740	0	0
IShares Tr Barclays 7-10 YR Tr	ETF	464287440	201	1,990	SH		SOLE		1,990	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	23,364	457,942	SH		SOLE		457,942	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	309	2,690	SH		SOLE		2,690	0	0
IShares Tr MBS ETF	ETF	464288588	27,181	263,053	SH		SOLE		263,053	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	241	4,540	SH		SOLE		4,540	0	0
Ishares Tr S&P U S Pfd Stock I	ETF	464288687	14,220	382,969	SH		SOLE		382,969	0	0
Ivesco ETF Tr II 1-30 Laddered	ETF	46138E107	606	19,490	SH		SOLE		19,490	0	0
SPDR BBG Barc IG Floating Rate	ETF	78468R200	383	12,440	SH		SOLE		12,440	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	697	14,670	SH		SOLE		14,670	0	0
Spdr Nuveen Barclays Cap Short	ETF	78468R739	657	13,774	SH		SOLE		13,774	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	3,296	41,885	SH		SOLE		41,885	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	37,729	451,684	SH		SOLE		451,684	0	0
Vanguard Short Term BD ETF	ETF	921937827	5,893	75,518	SH		SOLE		75,518	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	11,492	472,125	SH		SOLE		472,125	0	0