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	2,455	15,325	SH		SOLE		15,325	0	0
ABB LTD-Sponsored Adr	COM	000375204	496	19,500	SH		SOLE		19,500	0	0
AT&T Inc.	COM	00206R102	5,176	181,551	SH		SOLE		181,551	0	0
Abbott Laboratories	COM	002824100	2,230	20,492	SH		SOLE		20,492	0	0
Abbvie Inc	COM	00287Y109	6,181	70,569	SH		SOLE		70,569	0	0
Accenture PLC Ireland	COM	G1151C101	539	2,383	SH		SOLE		2,383	0	0
Aflac Inc	COM	001055102	919	25,281	SH		SOLE		25,281	0	0
Air Prods & Chems Inc	COM	009158106	1,067	3,583	SH		SOLE		3,583	0	0
Alibaba Group Holding - SP ADR	COM	01609W102	306	1,040	SH		SOLE		1,040	0	0
Align Technology Inc Com	COM	016255101	9,153	27,959	SH		SOLE		27,959	0	0
Alphabet Inc Cl A	COM	02079K305	35,767	24,404	SH		SOLE		24,404	0	0
Alphabet Inc Cl C	COM	02079K107	7,114	4,841	SH		SOLE		4,841	0	0
Altria Group Inc.	COM	02209S103	304	7,859	SH		SOLE		7,859	0	0
Amazon Inc	COM	023135106	15,888	5,046	SH		SOLE		5,046	0	0
Amcor Plc Registered Shs	COM	G0250X107	129	11,653	SH		SOLE		11,653	0	0
American Electric Power	COM	025537101	427	5,229	SH		SOLE		5,229	0	0
American Express Co	COM	025816109	5,124	51,112	SH		SOLE		51,112	0	0
Amgen Inc	COM	031162100	21,179	83,329	SH		SOLE		83,329	0	0
Analog Devices	COM	032654105	540	4,625	SH		SOLE		4,625	0	0
Apple Inc	COM	037833100	80,174	692,292	SH		SOLE		692,292	0	0
Applied Materials Inc	COM	038222105	1,327	22,324	SH		SOLE		22,324	0	0
Ares Cap Corp Com	COM	04010L103	377	27,000	SH		SOLE		27,000	0	0
Arthur J Gallagher & Co	COM	363576109	443	4,195	SH		SOLE		4,195	0	0
Automatic Data Processing Inc	COM	053015103	1,740	12,476	SH		SOLE		12,476	0	0
Bank of America Corp	COM	060505104	476	19,747	SH		SOLE		19,747	0	0
Bank of Montreal	COM	063671101	10,320	176,687	SH		SOLE		176,687	0	0
Barings Corporate Invs	COM	06759X107	198	15,877	SH		SOLE		15,877	0	0
Bearing Lithium Corp	COM	073898108	1	10,000	SH		SOLE		10,000	0	0
Becton Dickinson Corp	COM	075887109	13,112	56,352	SH		SOLE		56,352	0	0
Berkshire Hathaway Inc Cl A	COM	084670108	320	1	SH		SOLE		1	0	0
Berkshire Hathaway Inc Del Cl	COM	084670702	30,685	144,100	SH		SOLE		144,100	0	0
Blackrock Inc Com	COM	09247X101	14,328	25,425	SH		SOLE		25,425	0	0
Blackrock Ltd Dur Inc Tr	COM	09249W101	309	21,000	SH		SOLE		21,000	0	0
Blackstone Group Inc Com Cl A	COM	09260D107	5,474	104,867	SH		SOLE		104,867	0	0
Boeing Co	COM	097023105	364	2,200	SH		SOLE		2,200	0	0
Booking Holdings Inc Com	COM	09857L108	8,003	4,678	SH		SOLE		4,678	0	0
Bristol Myers Squibb	COM	110122108	1,243	20,609	SH		SOLE		20,609	0	0
CME Group Inc	COM	12572Q105	385	2,303	SH		SOLE		2,303	0	0
CSX Corporation	COM	126408103	331	4,257	SH		SOLE		4,257	0	0
CVS Corp	COM	126650100	22,108	378,555	SH		SOLE		378,555	0	0
Capital One Financial Corp.	COM	14040H105	280	3,903	SH		SOLE		3,903	0	0
Carrier Global Corp	COM	14448C104	308	10,094	SH		SOLE		10,094	0	0
Caterpillar Inc Com	COM	149123101	560	3,755	SH		SOLE		3,755	0	0
Cerner Corp	COM	156782104	13,139	181,751	SH		SOLE		181,751	0	0
Check Point Software Ord	COM	M22465104	4,625	38,431	SH		SOLE		38,431	0	0
Chevron Corp	COM	166764100	631	8,758	SH		SOLE		8,758	0	0
Chubb Corporation	COM	H1467J104	12,461	107,311	SH		SOLE		107,311	0	0
Cinemark Hldgs Inc	COM	17243V102	100	10,000	SH		SOLE		10,000	0	0
Cisco	COM	17275R102	16,363	415,403	SH		SOLE		415,403	0	0
Clorox Co	COM	189054109	743	3,535	SH		SOLE		3,535	0	0
Coca-Cola Co	COM	191216100	1,036	20,977	SH		SOLE		20,977	0	0
Colgate Palmolive	COM	194162103	1,329	17,223	SH		SOLE		17,223	0	0
Comcast Cl A	COM	20030N101	6,238	134,841	SH		SOLE		134,841	0	0
Constellation Brands-A	COM	21036P108	3,280	17,310	SH		SOLE		17,310	0	0
Corning Inc	COM	219350105	5,828	179,836	SH		SOLE		179,836	0	0
Corteva Inc Com	COM	22052L104	222	7,693	SH		SOLE		7,693	0	0
Costco Warehouse Corp	COM	22160K105	2,627	7,401	SH		SOLE		7,401	0	0
Cummins Inc	COM	231021106	18,094	85,689	SH		SOLE		85,689	0	0
DIAGEO PLC Sponsored ADR New I	COM	25243Q205	203	1,472	SH		SOLE		1,472	0	0
Danaher Corp Del	COM	235851102	712	3,308	SH		SOLE		3,308	0	0
Deere & Co	COM	244199105	379	1,711	SH		SOLE		1,711	0	0
Dollar Gen Corp New Com	COM	256677105	330	1,572	SH		SOLE		1,572	0	0
Dominion Resources Inc	COM	25746U109	1,696	21,489	SH		SOLE		21,489	0	0
Dow Inc Com	COM	260557103	427	9,072	SH		SOLE		9,072	0	0
Duke Energy Corp	COM	26441C204	483	5,458	SH		SOLE		5,458	0	0
Dupont De Nemours Inc Com	COM	26614N102	483	8,710	SH		SOLE		8,710	0	0
Eaton Corp PLC	COM	G29183103	975	9,559	SH		SOLE		9,559	0	0
Ecolab	COM	278865100	266	1,331	SH		SOLE		1,331	0	0
Eli Lilly & Co	COM	532457108	210	1,416	SH		SOLE		1,416	0	0
Emerging Markets-Vanguard	COM	922042858	219	5,061	SH		SOLE		5,061	0	0
Emerson Electric	COM	291011104	1,164	17,753	SH		SOLE		17,753	0	0
Entergy Corp	COM	29364G103	322	3,273	SH		SOLE		3,273	0	0
Enterprise Product Partners	COM	293792107	277	17,570	SH		SOLE		17,570	0	0
Eversource Energy	COM	30040W108	2,408	28,821	SH		SOLE		28,821	0	0
ExxonMobil Corp	COM	30231G102	6,813	198,462	SH		SOLE		198,462	0	0
FS Energy & Power Fund	COM	PER302582	45	13,462	SH		SOLE		13,462	0	0
Facebook, Inc.	COM	30303M102	17,102	65,301	SH		SOLE		65,301	0	0
First American Financial Corp	COM	31847R102	7,703	151,301	SH		SOLE		151,301	0	0
Fiserv Inc	COM	337738108	494	4,789	SH		SOLE		4,789	0	0
Fortive Corp	COM	34959J108	15,825	207,645	SH		SOLE		207,645	0	0
Freedom Environmental Services	COM	35637A203	0	12,000	SH		SOLE		12,000	0	0
General Electric	COM	369604103	421	67,516	SH		SOLE		67,516	0	0
General Mills Inc	COM	370334104	13,347	216,385	SH		SOLE		216,385	0	0
Gilead Sciences Inc	COM	375558103	601	9,508	SH		SOLE		9,508	0	0
Goldman Sachs	COM	38141G104	563	2,803	SH		SOLE		2,803	0	0
Green Energy Res Inc Comm	COM	39303P106	0	200,000	SH		SOLE		200,000	0	0
Home Depot Inc	COM	437076102	5,629	20,271	SH		SOLE		20,271	0	0
Honeywell Intl	COM	438516106	1,397	8,486	SH		SOLE		8,486	0	0
IBM	COM	459200101	969	7,966	SH		SOLE		7,966	0	0
IPG Photnics Corp Com	COM	44980X109	510	3,000	SH		SOLE		3,000	0	0
IShares Russell 2000	COM	464287655	996	6,647	SH		SOLE		6,647	0	0
IShares Tr Russell 1000 Value	COM	464287598	353	2,988	SH		SOLE		2,988	0	0
IShares Tr Russell 3000 Growth	COM	464287671	438	5,471	SH		SOLE		5,471	0	0
IShares Tr Russell 3000 Value	COM	464287663	274	5,044	SH		SOLE		5,044	0	0
Illinois Tool Works Inc	COM	452308109	1,384	7,165	SH		SOLE		7,165	0	0
Intel Corp	COM	458140100	10,239	197,749	SH		SOLE		197,749	0	0
Invesco QQQ Tr Unit Ser 1	COM	46090E103	212	762	SH		SOLE		762	0	0
Invictus MD Strategies Corp	COM	46183X802	0	20,090	SH		SOLE		20,090	0	0
Ishares Dow Sel Div Idx Fd	COM	464287168	395	4,840	SH		SOLE		4,840	0	0
Ishares S&P 500 Index	COM	464287200	1,969	5,860	SH		SOLE		5,860	0	0
Ishares TR Russell 2000 Growth	COM	464287648	462	2,085	SH		SOLE		2,085	0	0
Ishares TR Russell Midcap Valu	COM	464287473	393	4,864	SH		SOLE		4,864	0	0
Ishares Tr MSCI ACWI	COM	464288257	1,131	14,150	SH		SOLE		14,150	0	0
Ishares Tr MSCI EAFE ETF	COM	464287465	676	10,624	SH		SOLE		10,624	0	0
Ishares Tr NASDAQ Biotechnolog	COM	464287556	230	1,695	SH		SOLE		1,695	0	0
Ishares Tr Russell 1000 Growth	COM	464287614	593	2,735	SH		SOLE		2,735	0	0
Ishares Tr Russell 2000 Value	COM	464287630	445	4,485	SH		SOLE		4,485	0	0
Ishore KLD 400 Social Index	COM	464288570	213	1,668	SH		SOLE		1,668	0	0
JP Morgan Chase	COM	46625H100	20,540	213,359	SH		SOLE		213,359	0	0
JP Morgan Diversified Equity	COM	46641Q407	58,286	788,187	SH		SOLE		788,187	0	0
Johnson & Johnson	COM	478160104	26,485	177,892	SH		SOLE		177,892	0	0
KIMCO Realty Corp (Maryland)	COM	49446R109	113	10,000	SH		SOLE		10,000	0	0
Kimberly-Clark Corp	COM	494368103	1,396	9,457	SH		SOLE		9,457	0	0
L3Harris Technologies Inc com	COM	502431109	1,495	8,800	SH		SOLE		8,800	0	0
Linde PLC	COM	G5494J103	414	1,739	SH		SOLE		1,739	0	0
Lockheed Martin Corp	COM	539830109	711	1,856	SH		SOLE		1,856	0	0
Lowes Cos Inc	COM	548661107	497	2,994	SH		SOLE		2,994	0	0
Lululemaon Athletica	COM	550021109	2,310	7,012	SH		SOLE		7,012	0	0
Magellan Midstream Partners	COM	559080106	222	6,500	SH		SOLE		6,500	0	0
Mastercard, Inc	COM	57636Q104	708	2,095	SH		SOLE		2,095	0	0
McCormick Co	COM	579780206	613	3,157	SH		SOLE		3,157	0	0
McDonald's Corp	COM	580135101	3,002	13,678	SH		SOLE		13,678	0	0
Medtronic PLC SHS	COM	G5960L103	3,987	38,362	SH		SOLE		38,362	0	0
Merck & Co Inc	COM	58933Y105	2,923	35,243	SH		SOLE		35,243	0	0
Microsoft Corp	COM	594918104	20,147	95,789	SH		SOLE		95,789	0	0
Morgan Stanley	COM	617446448	5,217	107,909	SH		SOLE		107,909	0	0
Nextera Energy Inc Com	COM	65339F101	1,834	6,609	SH		SOLE		6,609	0	0
Nike Inc Cl B	COM	654106103	1,589	12,657	SH		SOLE		12,657	0	0
Norfolk Southern Corp	COM	655844108	495	2,312	SH		SOLE		2,312	0	0
Northwest Bancshares Inc MD Co	COM	667340103	1,734	188,443	SH		SOLE		188,443	0	0
Novartis AG Sponsored Adr	COM	66987V109	491	5,647	SH		SOLE		5,647	0	0
Novo-Nordisk A S	COM	670100205	11,143	160,486	SH		SOLE		160,486	0	0
Novozymes A/S Sponsored ADR	COM	670108109	315	5,000	SH		SOLE		5,000	0	0
Old Dominion Freight Line Inc	COM	679580100	407	2,250	SH		SOLE		2,250	0	0
Oracle Corp	COM	68389X105	11,122	186,305	SH		SOLE		186,305	0	0
Otis Worldwide Corp	COM	68902V107	279	4,477	SH		SOLE		4,477	0	0
Palo Alto Networks Inc Com	COM	697435105	7,212	29,465	SH		SOLE		29,465	0	0
Paypal Holdings Inc Com	COM	70450Y103	7,920	40,199	SH		SOLE		40,199	0	0
Peoples Financial	COM	712704105	1,709	165,796	SH		SOLE		165,796	0	0
Pepsico Inc	COM	713448108	13,928	100,488	SH		SOLE		100,488	0	0
Pfizer Inc	COM	717081103	5,879	160,180	SH		SOLE		160,180	0	0
Phillip Morris International,	COM	718172109	349	4,652	SH		SOLE		4,652	0	0
Pnc Finl Svcs Group	COM	693475105	307	2,796	SH		SOLE		2,796	0	0
Procter & Gamble	COM	742718109	27,804	200,044	SH		SOLE		200,044	0	0
Public Svc Enterprise Group In	COM	744573106	346	6,294	SH		SOLE		6,294	0	0
Putnam Premier Income Shares o	COM	746853100	222	50,000	SH		SOLE		50,000	0	0
Qualcomm INC	COM	747525103	18,821	159,934	SH		SOLE		159,934	0	0
Rayonier Inc	COM	754907103	16,140	610,425	SH		SOLE		610,425	0	0
Raytheon Technologies	COM	75513E101	866	15,057	SH		SOLE		15,057	0	0
Resmed Inc	COM	761152107	1,774	10,347	SH		SOLE		10,347	0	0
Ross Stores, Inc	COM	778296103	703	7,536	SH		SOLE		7,536	0	0
SS&C Technologies Hldgs Inc Co	COM	78467J100	4,885	80,721	SH		SOLE		80,721	0	0
Salesforce.com	COM	79466L302	7,289	29,003	SH		SOLE		29,003	0	0
Schlumberger Ltd	COM	806857108	16,465	1,058,182	SH		SOLE		1,058,182	0	0
Seagate Technology PLC Shrs	COM	G7945M107	218	4,420	SH		SOLE		4,420	0	0
Skyworks Solutions Inc	COM	83088M102	1,822	12,521	SH		SOLE		12,521	0	0
Southern Co Com	COM	842587107	314	5,800	SH		SOLE		5,800	0	0
Spdr Energy Select	COM	81369Y506	612	20,435	SH		SOLE		20,435	0	0
Spdr Tr Unit Ser 1	COM	78462F103	10,391	31,028	SH		SOLE		31,028	0	0
Starbucks Corp	COM	855244109	483	5,619	SH		SOLE		5,619	0	0
Store Cap Corp	COM	862121100	18,723	682,560	SH		SOLE		682,560	0	0
Stryker Corp	COM	863667101	382	1,834	SH		SOLE		1,834	0	0
TJX Companies Inc.	COM	872540109	2,562	46,041	SH		SOLE		46,041	0	0
Taiwan Semiconductor-ADR	COM	874039100	765	9,442	SH		SOLE		9,442	0	0
Target Corp	COM	87612E106	1,191	7,567	SH		SOLE		7,567	0	0
Tesla Mtrs Inc	COM	88160R101	292	680	SH		SOLE		680	0	0
Texas Instruments	COM	882508104	1,519	10,641	SH		SOLE		10,641	0	0
Thermo Fisher Scientific Inc	COM	883556102	208	471	SH		SOLE		471	0	0
Trane Technologies PLC Shs	COM	G8994E103	483	3,980	SH		SOLE		3,980	0	0
US Bancorp Del	COM	902973304	273	7,628	SH		SOLE		7,628	0	0
Uber Technologies Inc Com	COM	90353T100	4,113	112,745	SH		SOLE		112,745	0	0
Union Pacific Corp	COM	907818108	2,096	10,648	SH		SOLE		10,648	0	0
United Healthgroup Inc	COM	91324P102	6,645	21,314	SH		SOLE		21,314	0	0
United Parcel Svc Cl B	COM	911312106	216	1,297	SH		SOLE		1,297	0	0
Vaneck Vectors ETF Tr Oil Svcs	COM	92189H607	1,187	12,144	SH		SOLE		12,144	0	0
Vanguard Idx Fds Mid-Cap ETF	COM	922908629	27,653	156,889	SH		SOLE		156,889	0	0
Vanguard Index Fds Vanguard Gr	COM	922908736	578	2,540	SH		SOLE		2,540	0	0
Vanguard Index Fds Vanguard Sm	COM	922908751	14,286	92,885	SH		SOLE		92,885	0	0
Vanguard Index Fds Vanguard Va	COM	922908744	546	5,222	SH		SOLE		5,222	0	0
Vanguard Index Total Stock Mkt	COM	922908769	279	1,640	SH		SOLE		1,640	0	0
Vanguard REIT ETF	COM	922908553	366	4,635	SH		SOLE		4,635	0	0
Vanguard Tax Managed Intl Fd F	COM	921943858	7,848	191,885	SH		SOLE		191,885	0	0
Vanguard World ETF	COM	921910733	288	4,666	SH		SOLE		4,666	0	0
Vanguard World Fds Vanguard Co	COM	92204A108	206	880	SH		SOLE		880	0	0
Vanguard World Fds Vanguard Co	COM	92204A207	213	1,302	SH		SOLE		1,302	0	0
Vanguard World Fds Vanguard He	COM	92204A504	596	2,921	SH		SOLE		2,921	0	0
Vanguard World Fds Vanguard In	COM	92204A702	453	1,456	SH		SOLE		1,456	0	0
Verizon Communications	COM	92343V104	19,607	329,580	SH		SOLE		329,580	0	0
Visa Inc Cls A	COM	92826C839	2,857	14,286	SH		SOLE		14,286	0	0
Wal-Mart Stores Inc	COM	931142103	8,058	57,596	SH		SOLE		57,596	0	0
Walgreen Boots	COM	931427108	210	5,834	SH		SOLE		5,834	0	0
Walt Disney	COM	254687106	15,145	122,055	SH		SOLE		122,055	0	0
Waste Mgmt Inc	COM	94106L109	290	2,559	SH		SOLE		2,559	0	0
Wells Fargo & Co	COM	949746101	17,495	744,148	SH		SOLE		744,148	0	0
Wisconsin Energy	COM	92939U106	282	2,915	SH		SOLE		2,915	0	0
Wisdomtree Tr Fltg Rate Treas	COM	97717X628	2,969	118,259	SH		SOLE		118,259	0	0
Woodward Inc Com	COM	980745103	321	4,000	SH		SOLE		4,000	0	0
Yum! Brands Inc	COM	988498101	244	2,675	SH		SOLE		2,675	0	0
Zimmer Hldgs Inc	COM	98956P102	8,253	60,620	SH		SOLE		60,620	0	0
Eaton Vance Sr Flt Rate	ETF	27828Q105	233	20,000	SH		SOLE		20,000	0	0
IShares CMBS ETF	ETF	46429B366	25,742	463,661	SH		SOLE		463,661	0	0
IShares Tr 10-20 Yr Treas Bd	ETF	464288653	205	1,230	SH		SOLE		1,230	0	0
IShares Tr Barclays 1-3 Yr Tre	ETF	464287457	308	3,555	SH		SOLE		3,555	0	0
IShares Tr Barclays 3-7 Yr Tre	ETF	464288661	313	2,345	SH		SOLE		2,345	0	0
IShares Tr Barclays 7-10 YR Tr	ETF	464287440	369	3,025	SH		SOLE		3,025	0	0
IShares Tr Floating Rate Nt ET	ETF	46429B655	352	6,936	SH		SOLE		6,936	0	0
IShares Tr MBS ETF	ETF	464288588	37,122	336,249	SH		SOLE		336,249	0	0
Ishares Preferred & Income Sec	ETF	464288687	3,798	104,198	SH		SOLE		104,198	0	0
Ivesco ETF Tr II 1-30 Laddered	ETF	46138E107	734	18,671	SH		SOLE		18,671	0	0
SPDR Ser Tr Nuveen Barclays Mu	ETF	78468R721	2,021	38,927	SH		SOLE		38,927	0	0
SPDR Wells Fargo Preferred Sto	ETF	78464A292	16,642	382,833	SH		SOLE		382,833	0	0
Spdr Nuveen Barclays Cap Short	ETF	78468R739	1,691	33,905	SH		SOLE		33,905	0	0
Vanguard Bd Index Fd Inc Total	ETF	921937835	4,040	45,790	SH		SOLE		45,790	0	0
Vanguard Interm Corp Bond ETF	ETF	92206C870	101,555	1,060,077	SH		SOLE		1,060,077	0	0
Vanguard Short Term BD ETF	ETF	921937827	7,283	87,690	SH		SOLE		87,690	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	10,855	131,014	SH		SOLE		131,014	0	0
iShares Core US Treasury Bond	ETF	46429B267	24,750	885,522	SH		SOLE		885,522	0	0
iShares ESG Aware 1-5 year Cor	ETF	46435G243	458	17,560	SH		SOLE		17,560	0	0
iShares ESG Aware USD Corporat	ETF	46435G193	490	17,669	SH		SOLE		17,669	0	0
iShares New York Muni Bond ETF	ETF	464288323	1,237	21,535	SH		SOLE		21,535	0	0
Allstate Corp Sub Deb Fixed Fl	PFD	020002309	358	13,800	SH		SOLE		13,800	0	0
Bank Amer Corp Dep Shs Ser GG	PFD	060505229	348	12,735	SH		SOLE		12,735	0	0
American Int GR Frac Warrant (	WT	ACG874152	0	37,531	SH		SOLE		37,531	0	0