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	2,205	11,573	SH		SOLE		11,573	0	0
AT&T Inc.	COM	00206R102	3,030	106,154	SH		SOLE		106,154	0	0
Abbott Laboratories	COM	002824100	1,117	15,439	SH		SOLE		15,439	0	0
Abbvie Inc	COM	00287Y109	1,289	13,977	SH		SOLE		13,977	0	0
Accenture PLC Ireland	COM	G1151C101	212	1,500	SH		SOLE		1,500	0	0
Aflac Inc	COM	001055102	735	16,122	SH		SOLE		16,122	0	0
Air Prods & Chems Inc	COM	009158106	620	3,873	SH		SOLE		3,873	0	0
Alphabet Inc Cl A	COM	02079K305	22,353	21,391	SH		SOLE		21,391	0	0
Alphabet Inc Cl C	COM	02079K107	4,285	4,138	SH		SOLE		4,138	0	0
Alps ETF Tr AlerianMLP	COM	00162Q866	21,588	2,472,863	SH		SOLE		2,472,863	0	0
Altria Group Inc.	COM	02209S103	553	11,194	SH		SOLE		11,194	0	0
Amazon Inc	COM	023135106	686	457	SH		SOLE		457	0	0
American Electric Power	COM	025537101	402	5,382	SH		SOLE		5,382	0	0
American Express Co	COM	025816109	9,422	98,843	SH		SOLE		98,843	0	0
Amgen Inc	COM	031162100	18,952	97,355	SH		SOLE		97,355	0	0
Analog Devices	COM	032654105	418	4,875	SH		SOLE		4,875	0	0
Apple Inc	COM	037833100	31,463	199,458	SH		SOLE		199,458	0	0
Applied Materials Inc	COM	038222105	829	25,320	SH		SOLE		25,320	0	0
Arthur J Gallagher & Co	COM	363576109	309	4,195	SH		SOLE		4,195	0	0
Automatic Data Processing Inc	COM	053015103	1,587	12,102	SH		SOLE		12,102	0	0
Bank of America Corp	COM	060505104	427	17,337	SH		SOLE		17,337	0	0
Bank of Montreal	COM	063671101	13,350	204,285	SH		SOLE		204,285	0	0
Barings Corporate Invs	COM	06759X107	268	18,227	SH		SOLE		18,227	0	0
Bearing Lithium Corp	COM	073898108	4	20,000	SH		SOLE		20,000	0	0
Becton Dickinson Corp	COM	075887109	8,743	38,801	SH		SOLE		38,801	0	0
Berkshire Hathaway Inc Cl A	COM	084670108	306	1	SH		SOLE		1	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	1,323	6,478	SH		SOLE		6,478	0	0
Berkshire Hills Bancorp	COM	084680107	477	17,702	SH		SOLE		17,702	0	0
Blackrock Inc Com	COM	09247X101	12,646	32,192	SH		SOLE		32,192	0	0
Boeing Co	COM	097023105	1,379	4,276	SH		SOLE		4,276	0	0
Bristol Myers Squibb	COM	110122108	450	8,663	SH		SOLE		8,663	0	0
CME Group Inc	COM	12572Q105	595	3,165	SH		SOLE		3,165	0	0
CSX Corporation	COM	126408103	252	4,052	SH		SOLE		4,052	0	0
CVS Corp	COM	126650100	15,649	238,836	SH		SOLE		238,836	0	0
Capital One Financial Corp.	COM	14040H105	301	3,980	SH		SOLE		3,980	0	0
Caterpillar Inc Com	COM	149123101	436	3,430	SH		SOLE		3,430	0	0
Celgene Corp	COM	151020104	6,154	96,027	SH		SOLE		96,027	0	0
Cerner Corp	COM	156782104	9,900	188,796	SH		SOLE		188,796	0	0
Chevron Corp	COM	166764100	1,399	12,859	SH		SOLE		12,859	0	0
Chubb Corporation	COM	H1467J104	13,177	102,006	SH		SOLE		102,006	0	0
Cisco	COM	17275R102	20,665	476,912	SH		SOLE		476,912	0	0
Clorox Co	COM	189054109	576	3,735	SH		SOLE		3,735	0	0
Coca-Cola Co	COM	191216100	898	18,967	SH		SOLE		18,967	0	0
Colgate Palmolive	COM	194162103	984	16,530	SH		SOLE		16,530	0	0
Comcast Cl A	COM	20030N101	367	10,790	SH		SOLE		10,790	0	0
Corning Inc	COM	219350105	3,903	129,203	SH		SOLE		129,203	0	0
Cummins Inc	COM	231021106	12,088	90,455	SH		SOLE		90,455	0	0
Danaher Corp Del	COM	235851102	1,698	16,463	SH		SOLE		16,463	0	0
Deere & Co	COM	244199105	382	2,563	SH		SOLE		2,563	0	0
Discovery Communications Inc	COM	25470F302	2,210	95,733	SH		SOLE		95,733	0	0
Dollar Gen Corp New Com	COM	256677105	212	1,960	SH		SOLE		1,960	0	0
Dominion Resources Inc	COM	25746U109	1,024	14,333	SH		SOLE		14,333	0	0
Dowdupont Inc	COM	26078J100	1,930	36,083	SH		SOLE		36,083	0	0
Duke Energy Corp	COM	26441C204	376	4,360	SH		SOLE		4,360	0	0
Eaton Corp PLC	COM	G29183103	625	9,107	SH		SOLE		9,107	0	0
Emerging Markets MSCI	COM	464287234	7,918	202,718	SH		SOLE		202,718	0	0
Emerging Markets-Vanguard	COM	922042858	30,133	790,893	SH		SOLE		790,893	0	0
Emerson Electric	COM	291011104	1,220	20,413	SH		SOLE		20,413	0	0
Entergy Corp	COM	29364G103	305	3,539	SH		SOLE		3,539	0	0
Enterprise Product Partners	COM	293792107	512	20,810	SH		SOLE		20,810	0	0
Eversource Energy	COM	30040W108	837	12,870	SH		SOLE		12,870	0	0
ExxonMobil Corp	COM	30231G102	14,094	206,684	SH		SOLE		206,684	0	0
Facebook, Inc.	COM	30303M102	4,947	37,740	SH		SOLE		37,740	0	0
First American Financial Corp	COM	31847R102	4,316	96,695	SH		SOLE		96,695	0	0
First Data Corp	COM	32008D106	209	12,340	SH		SOLE		12,340	0	0
Fluor Corp New	COM	343412102	2,429	75,439	SH		SOLE		75,439	0	0
Fortive Corp	COM	34959J108	501	7,408	SH		SOLE		7,408	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	6,617	874,132	SH		SOLE		874,132	0	0
General Mills Inc	COM	370334104	12,289	315,600	SH		SOLE		315,600	0	0
Gilead Sciences Inc	COM	375558103	427	6,827	SH		SOLE		6,827	0	0
Global X MLP	COM	37950E473	10,623	1,385,019	SH		SOLE		1,385,019	0	0
Goldman Sachs	COM	38141G104	5,339	31,959	SH		SOLE		31,959	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
Harris Corp	COM	413875105	1,326	9,848	SH		SOLE		9,848	0	0
Home Depot Inc	COM	437076102	2,741	15,951	SH		SOLE		15,951	0	0
Honeywell Intl	COM	438516106	1,034	7,827	SH		SOLE		7,827	0	0
Hormel Foods	COM	440452100	2,015	47,206	SH		SOLE		47,206	0	0
IBM	COM	459200101	595	5,235	SH		SOLE		5,235	0	0
IShares Russell 2000	COM	464287655	937	6,996	SH		SOLE		6,996	0	0
IShares Tr Russell 1000 Value	COM	464287598	216	1,945	SH		SOLE		1,945	0	0
IShares Tr Russell 3000 Growth	COM	464287671	285	5,400	SH		SOLE		5,400	0	0
IShares Tr Russell 3000 Value	COM	464287663	240	4,890	SH		SOLE		4,890	0	0
Illinois Tool Works Inc	COM	452308109	996	7,860	SH		SOLE		7,860	0	0
Ingersoll Rand PLC	COM	G47791101	579	6,350	SH		SOLE		6,350	0	0
Intel Corp	COM	458140100	3,769	80,319	SH		SOLE		80,319	0	0
Invesco ETF Tr II Pfd	COM	46138E511	188	13,926	SH		SOLE		13,926	0	0
Invictus MD Strategies Corp	COM	46183X802	12	20,090	SH		SOLE		20,090	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	516	5,780	SH		SOLE		5,780	0	0
Ishares TR Russell 2000 Growth	COM	464287648	356	2,120	SH		SOLE		2,120	0	0
Ishares TR Russell Midcap Valu	COM	464287473	230	3,013	SH		SOLE		3,013	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	727	12,376	SH		SOLE		12,376	0	0
Ishares Tr Russell 1000 Growth	COM	464287614	223	1,700	SH		SOLE		1,700	0	0
Ishares Tr Russell 2000 Value	COM	464287630	267	2,485	SH		SOLE		2,485	0	0
Ishares Tr S&P 100 ETF	COM	464287101	237	2,125	SH		SOLE		2,125	0	0
JP Morgan Chase	COM	46625H100	18,430	188,789	SH		SOLE		188,789	0	0
JP Morgan Diversified Equity	COM	46641Q407	23,880	368,121	SH		SOLE		368,121	0	0
Johnson & Johnson	COM	478160104	19,002	147,249	SH		SOLE		147,249	0	0
Kimberly-Clark Corp	COM	494368103	756	6,634	SH		SOLE		6,634	0	0
L Brands Inc	COM	501797104	5,424	211,286	SH		SOLE		211,286	0	0
Linde PLC	COM	G5494J103	319	2,046	SH		SOLE		2,046	0	0
Lockheed Martin Corp	COM	539830109	441	1,685	SH		SOLE		1,685	0	0
Lyondellbasell Ind N V Ord Shs	COM	N53745100	6,010	72,276	SH		SOLE		72,276	0	0
Magellan Midstream Partners	COM	559080106	277	4,850	SH		SOLE		4,850	0	0
Mastercard, Inc	COM	57636Q104	290	1,538	SH		SOLE		1,538	0	0
McCormick Co	COM	579780206	420	3,015	SH		SOLE		3,015	0	0
McDonald's Corp	COM	580135101	2,356	13,268	SH		SOLE		13,268	0	0
Medtronic PLC SHS	COM	G5960L103	6,161	67,731	SH		SOLE		67,731	0	0
Merck & Co Inc	COM	58933Y105	1,510	19,761	SH		SOLE		19,761	0	0
Microsoft Corp	COM	594918104	3,839	37,800	SH		SOLE		37,800	0	0
Morgan Stanley	COM	617446448	206	5,190	SH		SOLE		5,190	0	0
National Oilwell Varco, Inc.	COM	637071101	7,693	299,348	SH		SOLE		299,348	0	0
Nextera Energy Inc Com	COM	65339F101	998	5,740	SH		SOLE		5,740	0	0
Nike Inc Cl B	COM	654106103	822	11,081	SH		SOLE		11,081	0	0
Norfolk Southern Corp	COM	655844108	235	1,570	SH		SOLE		1,570	0	0
Northwest Bancshares Inc MD Co	COM	667340103	3,553	209,751	SH		SOLE		209,751	0	0
Novartis AG Sponsored Adr	COM	66987V109	406	4,735	SH		SOLE		4,735	0	0
Novo-Nordisk A S	COM	670100205	8,647	187,691	SH		SOLE		187,691	0	0
Oracle Corp	COM	68389X105	9,010	199,547	SH		SOLE		199,547	0	0
PODA Technologies Ltd Reg	COM	73044H107	0	20,090	SH		SOLE		20,090	0	0
Palo Alto Networks Inc Com	COM	697435105	5,156	27,375	SH		SOLE		27,375	0	0
Peoples Financial	COM	712704105	2,642	183,106	SH		SOLE		183,106	0	0
Pepsico Inc	COM	713448108	12,003	108,648	SH		SOLE		108,648	0	0
Pfizer Inc	COM	717081103	5,161	118,228	SH		SOLE		118,228	0	0
Phillip Morris International,	COM	718172109	402	6,020	SH		SOLE		6,020	0	0
Procter & Gamble	COM	742718109	22,429	244,004	SH		SOLE		244,004	0	0
Qualcomm INC	COM	747525103	14,732	258,872	SH		SOLE		258,872	0	0
Rayonier Inc	COM	754907103	11,278	407,305	SH		SOLE		407,305	0	0
Raytheon Co	COM	755111507	345	2,253	SH		SOLE		2,253	0	0
SPDR Gold Trust	COM	78463V107	215	1,774	SH		SOLE		1,774	0	0
Sally Beauty Company	COM	79546E104	5,996	351,698	SH		SOLE		351,698	0	0
Schlumberger Ltd	COM	806857108	5,014	138,956	SH		SOLE		138,956	0	0
Southern Co Com	COM	842587107	329	7,490	SH		SOLE		7,490	0	0
Spdr Tr Unit Ser 1	COM	78462F103	10,149	40,609	SH		SOLE		40,609	0	0
State Street Corp	COM	857477103	401	6,355	SH		SOLE		6,355	0	0
Stryker Corp	COM	863667101	267	1,701	SH		SOLE		1,701	0	0
TJX Companies Inc.	COM	872540109	2,207	49,332	SH		SOLE		49,332	0	0
Taiwan Semiconductor-ADR	COM	874039100	347	9,410	SH		SOLE		9,410	0	0
Target Corp	COM	87612E106	615	9,309	SH		SOLE		9,309	0	0
Texas Instruments	COM	882508104	613	6,490	SH		SOLE		6,490	0	0
US Bancorp Del	COM	902973304	285	6,226	SH		SOLE		6,226	0	0
Union Pacific Corp	COM	907818108	649	4,694	SH		SOLE		4,694	0	0
United Healthgroup Inc	COM	91324P102	3,026	12,147	SH		SOLE		12,147	0	0
United Technologies	COM	913017109	1,353	12,709	SH		SOLE		12,709	0	0
Vaneck Vectors ETF Oil Svcs ET	COM	92189F718	5,242	373,615	SH		SOLE		373,615	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	12,654	95,872	SH		SOLE		95,872	0	0
Vanguard Index Total Stock Mkt	COM	922908769	301	2,360	SH		SOLE		2,360	0	0
Vanguard REIT ETF	COM	922908553	232	3,115	SH		SOLE		3,115	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	10,607	285,910	SH		SOLE		285,910	0	0
Vanguard World Fds Vanguard He	COM	92204A504	496	3,090	SH		SOLE		3,090	0	0
Vanguard World Fds Vanguard In	COM	92204A702	252	1,510	SH		SOLE		1,510	0	0
Verizon Communications	COM	92343V104	13,705	243,782	SH		SOLE		243,782	0	0
Visa Inc Cls A	COM	92826C839	2,275	17,246	SH		SOLE		17,246	0	0
Wal-Mart Stores Inc	COM	931142103	445	4,776	SH		SOLE		4,776	0	0
Walgreen Boots	COM	931427108	260	3,809	SH		SOLE		3,809	0	0
Walt Disney	COM	254687106	14,355	130,915	SH		SOLE		130,915	0	0
Wells Fargo & Co	COM	949746101	10,268	222,830	SH		SOLE		222,830	0	0
Wisconsin Energy	COM	92939U106	276	3,985	SH		SOLE		3,985	0	0
Yum! Brands Inc	COM	988498101	280	3,045	SH		SOLE		3,045	0	0
Zimmer Hldgs Inc	COM	98956P102	5,969	57,548	SH		SOLE		57,548	0	0
IShares CMBS ETF	ETF	46429B366	20,915	415,962	SH		SOLE		415,962	0	0
IShares Tr Barclays 3-7 Yr Tre	ETF	464288661	211	1,740	SH		SOLE		1,740	0	0
IShares Tr Barclays 7-10 YR Tr	ETF	464287440	207	1,990	SH		SOLE		1,990	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	23,093	458,568	SH		SOLE		458,568	0	0
IShares Tr Iboxx USD Invt Grd	ETF	464287242	320	2,840	SH		SOLE		2,840	0	0
IShares Tr MBS ETF	ETF	464288588	29,618	283,024	SH		SOLE		283,024	0	0
Ishares Tr Intermediate Cr BD	ETF	464288638	245	4,680	SH		SOLE		4,680	0	0
Ishares Tr S&P U S Pfd Stock I	ETF	464288687	10,882	317,896	SH		SOLE		317,896	0	0
Ivesco ETF Tr II 1-30 Laddered	ETF	46138E107	635	19,855	SH		SOLE		19,855	0	0
SPDR BBG Barc IG Floating Rate	ETF	78468R200	2,972	97,850	SH		SOLE		97,850	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	740	15,380	SH		SOLE		15,380	0	0
SPDR Wells Fargo Preferred Sto	ETF	78464A292	419	10,600	SH		SOLE		10,600	0	0
Spdr Nuveen Barclays Cap Short	ETF	78468R739	647	13,464	SH		SOLE		13,464	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	4,486	56,628	SH		SOLE		56,628	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	44,468	536,669	SH		SOLE		536,669	0	0
Vanguard Short Term BD ETF	ETF	921937827	5,922	75,368	SH		SOLE		75,368	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	649	8,332	SH		SOLE		8,332	0	0
iShares Core US Treasury Bond	ETF	46429B267	14,932	605,779	SH		SOLE		605,779	0	0