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
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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 Company COM 88579Y101 447 3,746 SH   SOLE   3,746 0 0
AT&T Inc. COM 00206R102 1,162 34,345 SH   SOLE   34,345 0 0
AbbVie Inc. COM 00287Y109 2,976 66,528 SH   SOLE   66,528 0 0
Abbott Labs COM 002824100 501 15,100 SH   SOLE   15,100 0 0
Accenture PLC COM G1151C101 4,623 62,775 SH   SOLE   62,775 0 0
Altria Group Inc. COM 02209S103 3,652 106,328 SH   SOLE   106,328 0 0
Amazon.Com COM 023135106 757 2,420 SH   SOLE   2,420 0 0
American Express Co COM 025816109 224 2,965 SH   SOLE   2,965 0 0
American Int'l Group COM 026874784 9,703 199,520 SH   SOLE   199,520 0 0
Amgen Inc. COM 031162100 1,395 12,466 SH   SOLE   12,466 0 0
Annaly Mortgage Management COM 035710409 312 26,910 SH   SOLE   26,910 0 0
Apple Computer Inc. COM 037833100 3,168 6,644 SH   SOLE   6,644 0 0
Archer Daniels Midland COM 039483102 219 5,943 SH   SOLE   5,943 0 0
Arcos Dorados Holdings Inc COM G0457F107 1,778 150,000 SH   SOLE   150,000 0 0
BB&T Corporation COM 054937107 238 7,050 SH   SOLE   7,050 0 0
BCE Inc New COM 05534B760 2,916 68,297 SH   SOLE   68,297 0 0
BP PLC ADR COM 055622104 505 12,025 SH   SOLE   12,025 0 0
Bank Of America COM 060505104 353 25,589 SH   SOLE   25,589 0 0
Bar Harbor Bankshares COM 066849100 269 7,300 SH   SOLE   7,300 0 0
Berkshire Hathaway Cl A (100 S COM 084670108 1,022 600 SH   SOLE   600 0 0
Berkshire Hathaway Cl B COM 084670702 4,225 37,220 SH   SOLE   37,220 0 0
Biglari Holdings Inc. COM 08986R101 2,004 4,857 SH   SOLE   4,857 0 0
Boeing COM 097023105 821 6,991 SH   SOLE   6,991 0 0
Bristol Myers Squibb COM 110122108 371 8,016 SH   SOLE   8,016 0 0
Brookfield Asset Mgmt. Inc. COM 112585104 1,007 26,915 SH   SOLE   26,915 0 0
Brookline Bank COM 11373M107 272 28,900 SH   SOLE   28,900 0 0
Bryn Mawr Bank Corp COM 117665109 275 10,200 SH   SOLE   10,200 0 0
CME Group COM 12572Q105 328 4,435 SH   SOLE   4,435 0 0
Canadian National Railway Co. COM 136375102 6,732 66,415 SH   SOLE   66,415 0 0
Capital Southwest Corp COM 140501107 331 9,680 SH   SOLE   9,680 0 0
Carmax Inc. COM 143130102 1,562 32,231 SH   SOLE   32,231 0 0
Cerus Corp. COM 157085101 599 89,200 SH   SOLE   89,200 0 0
Chesapeake Energy Corp. COM 165167107 10,403 401,952 SH   SOLE   401,952 0 0
Chevron Corp COM 166764100 5,034 41,429 SH   SOLE   41,429 0 0
Chimera Investment Corp COM 16934Q109 245 80,575 SH   SOLE   80,575 0 0
Cisco Systems COM 17275R102 560 23,901 SH   SOLE   23,901 0 0
Citigroup Inc. COM 172967424 372 7,674 SH   SOLE   7,674 0 0
Coca Cola COM 191216100 2,291 60,477 SH   SOLE   60,477 0 0
Colgate Palmolive COM 194162103 534 9,002 SH   SOLE   9,002 0 0
Companhia De Bebidas Das Ameri COM 20441W203 217 5,650 SH   SOLE   5,650 0 0
Conocophillips COM 20825C104 3,594 51,704 SH   SOLE   51,704 0 0
Consolidated Edison Hldgs. COM 209115104 298 5,408 SH   SOLE   5,408 0 0
Costco Wholesale Corp. COM 22160K105 660 5,733 SH   SOLE   5,733 0 0
DB Commodity Index Tracking Fd COM 73935S105 234 9,101 SH   SOLE   9,101 0 0
Diageo PLC COM 25243Q205 1,287 10,125 SH   SOLE   10,125 0 0
Direct TV COM 25490A309 643 10,763 SH   SOLE   10,763 0 0
Discover Financial Services COM 254709108 8,211 162,460 SH   SOLE   162,460 0 0
Dominion Resources COM 25746U109 2,921 46,745 SH   SOLE   46,745 0 0
Dow Chemical COM 260543103 206 5,365 SH   SOLE   5,365 0 0
Dow Jones Select Dividend Trus COM 464287168 4,875 73,484 SH   SOLE   73,484 0 0
Duke Energy COM 26441C204 3,116 46,662 SH   SOLE   46,662 0 0
Eaton Corporation COM 278058102 476 6,915 SH   SOLE   6,915 0 0
Ebay Inc. COM 278642103 669 11,997 SH   SOLE   11,997 0 0
Eli Lilly & Co COM 532457108 2,808 55,794 SH   SOLE   55,794 0 0
Energy Transfer Equity LP COM 29273V100 551 8,380 SH   SOLE   8,380 0 0
Energy Transfer Partners LP COM 29273R109 317 6,085 SH   SOLE   6,085 0 0
Enterprise Products Partners L COM 293792107 673 11,025 SH   SOLE   11,025 0 0
Exxon Mobil Corp COM 30231G102 2,294 26,660 SH   SOLE   26,660 0 0
Facebook Inc. COM 30303M102 997 19,850 SH   SOLE   19,850 0 0
Fairfax Financial Holdings Ltd COM 303901102 2,967 7,337 SH   SOLE   7,337 0 0
Fedex Corporation COM 31428X106 1,111 9,733 SH   SOLE   9,733 0 0
Fidelity Southern Corp. COM 316394105 468 30,490 SH   SOLE   30,490 0 0
First American Financial Corpo COM 31847R102 288 11,830 SH   SOLE   11,830 0 0
First Long Island Corp. COM 320734106 976 25,112 SH   SOLE   25,112 0 0
First National Cmnty Bancorp D COM 32110M101 215 55,000 SH   SOLE   55,000 0 0
Ford Motor Company COM 345370860 2,917 172,883 SH   SOLE   172,883 0 0
GT Advanced Technologies Inc. COM 36191U106 221 26,000 SH   SOLE   26,000 0 0
General Electric COM 369604103 1,795 75,120 SH   SOLE   75,120 0 0
General Mills COM 370334104 431 8,985 SH   SOLE   8,985 0 0
Genesee & Wyoming Cl A COM 371559105 836 8,995 SH   SOLE   8,995 0 0
Glu Mobile Inc. COM 379890106 111 40,000 SH   SOLE   40,000 0 0
Google Cl A COM 38259P508 415 474 SH   SOLE   474 0 0
Greenlight Capital Re Ltd. COM G4095J109 463 16,290 SH   SOLE   16,290 0 0
Halliburton Co. COM 406216101 346 7,192 SH   SOLE   7,192 0 0
Hershey Foods Corp COM 427866108 379 4,100 SH   SOLE   4,100 0 0
Hollyfrontier Corp. COM 436106108 894 21,234 SH   SOLE   21,234 0 0
Home Depot COM 437076102 1,694 22,336 SH   SOLE   22,336 0 0
Honeywell Inc. COM 438516106 769 9,257 SH   SOLE   9,257 0 0
I Shares S&P 500 Growth Index COM 464287309 14,610 163,493 SH   SOLE   163,493 0 0
IBM COM 459200101 3,575 19,308 SH   SOLE   19,308 0 0
IDenta Ltd. COM 451671101 5 5,000,000 SH   SOLE   5,000,000 0 0
INTL FCStone Inc. COM 46116V105 1,203 58,837 SH   SOLE   58,837 0 0
IShares MSCI Hong Kong Index F COM 464286871 560 27,950 SH   SOLE   27,950 0 0
IShares MSCI South Korea Fund COM 464286772 322 5,230 SH   SOLE   5,230 0 0
IShares MSCI USA ESG Select So COM 464288802 233 3,287 SH   SOLE   3,287 0 0
IShares S&P 500 Value Index COM 464287408 14,179 181,045 SH   SOLE   181,045 0 0
Intel Corp. COM 458140100 4,053 176,807 SH   SOLE   176,807 0 0
Itron Inc. COM 465741106 311 7,272 SH   SOLE   7,272 0 0
J.P. Morgan Chase & Co. COM 46625H100 469 9,082 SH   SOLE   9,082 0 0
JP Morgan Alerian MLP Index COM 46625H365 3,808 85,385 SH   SOLE   85,385 0 0
Jarden Corp COM 471109108 516 10,667 SH   SOLE   10,667 0 0
Johnson & Johnson COM 478160104 4,887 56,370 SH   SOLE   56,370 0 0
Kimberly Clark COM 494368103 2,974 31,561 SH   SOLE   31,561 0 0
Kinder Morgan Energy LP COM 494550106 918 11,504 SH   SOLE   11,504 0 0
Kinder Morgan Management, LLC. COM 49455U100 930 12,412 SH   SOLE   12,412 0 0
Kinder Morgan Mgmt Fraction COM EKE55U103 1 1,041,268 SH   SOLE   1,041,268 0 0
Kraft Foods Group COM 50076Q106 3,005 57,265 SH   SOLE   57,265 0 0
L Brands Inc. COM 501797104 254 4,150 SH   SOLE   4,150 0 0
Lockheed Martin COM 539830109 2,782 21,811 SH   SOLE   21,811 0 0
Lowes Companies COM 548661107 380 7,986 SH   SOLE   7,986 0 0
Lukoil Oil Co. Spon ADR COM 677862104 460 7,236 SH   SOLE   7,236 0 0
MSCI Emerging Mkt Index Fund I COM 464287234 790 19,392 SH   SOLE   19,392 0 0
Magellan Midstream Partners LP COM 559080106 813 14,410 SH   SOLE   14,410 0 0
Marathon Petroleum Company COM 56585A102 1,075 16,719 SH   SOLE   16,719 0 0
MarkWest Energy Partners LP COM 570759100 459 6,350 SH   SOLE   6,350 0 0
Markel Corp. COM 570535104 3,324 6,419 SH   SOLE   6,419 0 0
Mastercard Inc Cl A COM 57636Q104 1,295 1,925 SH   SOLE   1,925 0 0
Mcdonalds COM 580135101 357 3,712 SH   SOLE   3,712 0 0
Merck & Co Inc. COM 58933Y105 1,714 36,006 SH   SOLE   36,006 0 0
Microsoft Corp COM 594918104 3,877 116,489 SH   SOLE   116,489 0 0
Mondelez International Inc COM 609207105 811 25,795 SH   SOLE   25,795 0 0
NYSE Euronext COM 629491101 1,635 38,950 SH   SOLE   38,950 0 0
National-Oilwell Varco Inc. COM 637071101 4,743 60,723 SH   SOLE   60,723 0 0
Navios Maritime Holdings Inc COM Y62196103 298 41,910 SH   SOLE   41,910 0 0
Nextera Energy Inc. COM 65339F101 210 2,622 SH   SOLE   2,622 0 0
Norfolk Southern COM 655844108 310 4,010 SH   SOLE   4,010 0 0
Novartis ADR COM 66987V109 6,674 87,000 SH   SOLE   87,000 0 0
Paychex Inc. COM 704326107 2,972 73,129 SH   SOLE   73,129 0 0
Pepsico Inc. COM 713448108 4,999 62,883 SH   SOLE   62,883 0 0
Pfizer Inc COM 717081103 3,309 115,185 SH   SOLE   115,185 0 0
Philip Morris Intl. COM 718172109 1,762 20,349 SH   SOLE   20,349 0 0
Plains All American Pipeline L COM 726503105 982 18,650 SH   SOLE   18,650 0 0
Plum Creek Timber Co REIT COM 729251108 700 14,937 SH   SOLE   14,937 0 0
Potash Corp. COM 73755L107 3,086 98,655 SH   SOLE   98,655 0 0
Procter Gamble COM 742718109 4,516 59,743 SH   SOLE   59,743 0 0
Qualcomm Inc. COM 747525103 244 3,620 SH   SOLE   3,620 0 0
RPM Inc COM 749685103 206 5,700 SH   SOLE   5,700 0 0
Realty Income Corp COM 756109104 843 21,200 SH   SOLE   21,200 0 0
Royal Dutch Shell A ADRF COM 780259206 3,594 54,713 SH   SOLE   54,713 0 0
SPDR Gold Trust ETF COM 78463V107 809 6,314 SH   SOLE   6,314 0 0
SPDR S&P 500 COM 78462F103 235 1,397 SH   SOLE   1,397 0 0
SPDR S&P Dividend ETF COM 78464A763 13,479 195,511 SH   SOLE   195,511 0 0
Schwab International Equity ET COM 808524805 362 11,925 SH   SOLE   11,925 0 0
Schwab US Broad Market ETF COM 808524102 928 22,585 SH   SOLE   22,585 0 0
Schwab US Dividend Equity ETF COM 808524797 545 16,198 SH   SOLE   16,198 0 0
Seaspan Corp. COM Y75638109 236 9,660 SH   SOLE   9,660 0 0
Sherwin Williams Co. COM 824348106 354 1,945 SH   SOLE   1,945 0 0
Short Dow 30 Proshares COM 74347R701 710 24,580 SH   SOLE   24,580 0 0
Short S&P 500 Proshares COM 74347R503 14,747 526,480 SH   SOLE   526,480 0 0
Southern Company COM 842587107 2,691 65,353 SH   SOLE   65,353 0 0
Sumitomo Mitsui Financial Grou COM 86562M209 194 19,960 SH   SOLE   19,960 0 0
Suncor Energy Inc. New COM 867224107 350 9,771 SH   SOLE   9,771 0 0
Swisher Hygiene Inc. COM 870808102 95 156,499 SH   SOLE   156,499 0 0
TJX Companies Inc. COM 872540109 930 16,489 SH   SOLE   16,489 0 0
Teekay LNG Partners LP COM Y8564M105 386 8,758 SH   SOLE   8,758 0 0
Teva Pharm Inds Ltd ADRF 1 COM 881624209 856 22,651 SH   SOLE   22,651 0 0
Thermo Fisher Scientific COM 883556102 459 4,980 SH   SOLE   4,980 0 0
Tim Hortons, Inc. COM 88706M103 433 7,471 SH   SOLE   7,471 0 0
Unilever NV COM 904784709 335 8,875 SH   SOLE   8,875 0 0
United Parcel Service COM 911312106 1,122 12,280 SH   SOLE   12,280 0 0
United Technologies Corp. COM 913017109 1,284 11,910 SH   SOLE   11,910 0 0
Urs Corp. COM 903236107 301 5,595 SH   SOLE   5,595 0 0
Vanguard Dividend Appreciation COM 921908844 538 7,728 SH   SOLE   7,728 0 0
Vanquard FTSE Emerging Markets COM 922042858 4,182 104,189 SH   SOLE   104,189 0 0
Verizon Communications COM 92343V104 3,393 72,689 SH   SOLE   72,689 0 0
Visa Inc. CL A COM 92826C839 405 2,120 SH   SOLE   2,120 0 0
WPX Energy Inc. COM 98212B103 234 12,138 SH   SOLE   12,138 0 0
Walgreen Company COM 931422109 1,162 21,607 SH   SOLE   21,607 0 0
Walmart Stores COM 931142103 307 4,153 SH   SOLE   4,153 0 0
Walt Disney Corp. COM 254687106 314 4,875 SH   SOLE   4,875 0 0
Wellpoint Health Networks Inc. COM 94973V107 319 3,817 SH   SOLE   3,817 0 0
Wells Fargo & Co. COM 949746101 1,308 31,666 SH   SOLE   31,666 0 0
Yum Brands Inc. COM 988498101 671 9,396 SH   SOLE   9,396 0 0
Zimmer Holdings Inc. COM 98956P102 237 2,881 SH   SOLE   2,881 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 9,879 79,577 SH   SOLE   79,577 0 0
iShares Core S&P Small-Cap ETF COM 464287804 10,053 100,735 SH   SOLE   100,735 0 0
iShares Dow Jones Intl Select COM 464288448 10,802 297,910 SH   SOLE   297,910 0 0
iShares MSCI Japan Index Fund COM 464286848 554 46,505 SH   SOLE   46,505 0 0
Fairfax Financial Holdings Ltd CANADA 303901102 6,510 16,110 SH   SOLE   16,110 0 0
Sumitomo Mitsui Financial Grou JAPANESE 6563024 6,037 125,000 SH   SOLE   125,000 0 0
Alpine Global Premier Properti EQTYFDS 02083A103 72 10,000 SH   SOLE   10,000 0 0
CREF Growth EQTYFDS CREFgrow8 288 2,842 SH   SOLE   2,842 0 0
Gabelli Asset Fund EQTYFDS 362395105 209 3,320 SH   SOLE   3,320 0 0
Harbor Int'l Fd EQTYFDS 411511306 300 4,328 SH   SOLE   4,328 0 0
MFB Northern Intl Equity Index EQTYFDS 665130209 198 16,598 SH   SOLE   16,598 0 0
Northern Stock Index Fund EQTYFDS 665162772 439 21,032 SH   SOLE   21,032 0 0
Blackrock Enhanced Div. Achiev INCOME FUNDS 09251A104 137 18,268 SH   SOLE   18,268 0 0
DWS NY Tax Free Income Fund-A INCOME FUNDS 23337H504 138 13,142 SH   SOLE   13,142 0 0
Eaton Vance Senior Floating Ra INCOME FUNDS 27828Q105 373 24,147 SH   SOLE   24,147 0 0
Franklin FL Tax Free Income Fu INCOME FUNDS 354723850 142 12,974 SH   SOLE   12,974 0 0
Franklin NY Tax Free Income Fd INCOME FUNDS 354130106 287 25,528 SH   SOLE   25,528 0 0
IShares Core Total US Bond Mkt INCOME FUNDS 464287226 9,225 86,054 SH   SOLE   86,054 0 0
Lord Abbett Short Duration Inc INCOME FUNDS 543916464 223 48,854 SH   SOLE   48,854 0 0
Nuveen Floating Rate Income Op INCOME FUNDS 6706en100 489 39,491 SH   SOLE   39,491 0 0
Pimco 1-5yr US TIPS Index Fund INCOME FUNDS 72201R205 555 10,461 SH   SOLE   10,461 0 0
SPDR Barclays Capital High Yie INCOME FUNDS 78464A417 1,080 27,103 SH   SOLE   27,103 0 0
Schwab GNMA Fund Sel Shrs INCOME FUNDS 808517882 382 38,048 SH   SOLE   38,048 0 0
Schwab US Aggregate Bond ETF INCOME FUNDS 808524839 238 4,679 SH   SOLE   4,679 0 0
Strong Short Term Muni Bond Fu INCOME FUNDS 86335R105 303 30,402 SH   SOLE   30,402 0 0
Vanguard S/T Corp Bond ETF INCOME FUNDS 92206C409 352 4,424 SH   SOLE   4,424 0 0
iShares Barclays 1-3 Year Cred INCOME FUNDS 464288646 19,821 188,268 SH   SOLE   188,268 0 0
iShares Barclays TIPS Bond Fun INCOME FUNDS 464287176 519 4,606 SH   SOLE   4,606 0 0
iShares CMBS Bond Fund INCOME FUNDS 46429B366 9,371 181,668 SH   SOLE   181,668 0 0
iShares Floating Rate Note ETF INCOME FUNDS 46429B655 18,685 368,681 SH   SOLE   368,681 0 0
iShares S&P NY AMT-Free Muni B INCOME FUNDS 464288323 247 2,380 SH   SOLE   2,380 0 0
Bank Of America Corp Qtr Lib + PFD 060505625 461 25,500 SH   SOLE   25,500 0 0
Bank Of America Corp Qtr Lib + PFD 060505633 384 21,175 SH   SOLE   21,175 0 0
Citigroup Capital XVII 6.35% PFD 17311H209 473 19,000 SH   SOLE   19,000 0 0
Comcast Corp. 5% Pfd. PFD 20030N606 550 25,900 SH   SOLE   25,900 0 0
DTE Energy Co. PFD 233331602 1,357 55,150 SH   SOLE   55,150 0 0
Dominion Resources Inc. 8.375% PFD 25746U604 776 29,800 SH   SOLE   29,800 0 0
Entergy Arkansas 5.75% Pfd. PFD 29364D779 1,559 65,517 SH   SOLE   65,517 0 0
Entergy Miss Inc Mtg Bd 6% Pfd PFD 29364N876 480 19,151 SH   SOLE   19,151 0 0
Goldman Sachs Grp Libor +75bp PFD 38143Y665 448 22,425 SH   SOLE   22,425 0 0
ING Group NV 7.05% Pfd. PFD 456837202 277 11,200 SH   SOLE   11,200 0 0
IShares S&P Preferred Stock In PFD 464288687 10,263 270,081 SH   SOLE   270,081 0 0
Lehman Brothers Holdings 7.95% PFD 52520W317 0 35,500 SH   SOLE   35,500 0 0
Morgan Stanley Cap Gtd PFD 617466206 711 30,276 SH   SOLE   30,276 0 0
Nextera Energy Capital 5.7% Pf PFD 65339K605 981 46,167 SH   SOLE   46,167 0 0
RBS Capital Fund Trust V 5.9% PFD 74928K208 214 10,000 SH   SOLE   10,000 0 0
Raymond James Financial 6.9% P PFD 754730208 356 14,133 SH   SOLE   14,133 0 0
SCE Trust I 5.625% Pfd PFD 78406T201 1,085 52,817 SH   SOLE   52,817 0 0
Stanley Black & Decker 5.75% P PFD 854502705 363 16,500 SH   SOLE   16,500 0 0
Wells Fargo & Co 8% Pfd. PFD 949746879 498 17,566 SH   SOLE   17,566 0 0
Wells Fargo & Co. Exp. 10/28/1 WARRT 949746119 250 17,800 SH   SOLE   17,800 0 0
Pimco Enhanced Short Maturity SHORT DURATION 72201R833 23,119 228,008 SH   SOLE   228,008 0 0