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
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 COMPANY COM 88579Y101 614 3,738 SH   DFND 1 0 3,738 0
A T & T INC. COM 00206R102 2,700 80,374 SH   DFND 1 0 80,374 0
ABBOTT LABS COM 002824100 256 5,677 SH   DFND 1 0 5,677 0
ABBVIE INC. COM 00287Y109 363 5,552 SH   DFND 1 0 5,552 0
GOOGLE INC Cl A 38259P508 1,551 2,922 SH   DFND 1 0 2,922 0
GOOGLE INC CL C 38259P706 1,079 2,050 SH   DFND 1 0 2,050 0
ALTRIA GROUP INC. COM 02209S103 579 11,745 SH   DFND 1 0 11,745 0
ANADARKO PETROLEUM COM 032511107 1,643 19,920 SH   DFND 1 0 19,920 0
APPLE INC. COM 037833100 3,652 33,082 SH   DFND 1 0 33,082 0
BCE, INC. COM 05534B760 2,329 50,775 SH   DFND 1 0 50,775 0
BERKSHIRE HATHAWAY CL B CL B 084670702 335 2,233 SH   DFND 1 0 2,233 0
BOEING CO. COM 097023105 201 1,545 SH   DFND 1 0 1,545 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 943 15,975 SH   DFND 1 0 15,975 0
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 272 3,600 SH   DFND 1 0 3,600 0
C.R. BARD INC. COM 067383109 725 4,350 SH   DFND 1 0 4,350 0
CARDINAL HEALTH, INC. COM 14149Y108 2,676 33,151 SH   DFND 1 0 33,151 0
CATERPILLAR INC. COM 149123101 1,132 12,370 SH   DFND 1 0 12,370 0
CBS CORP. CL A 124857103 282 5,100 SH   DFND 1 0 5,100 0
CHEVRON CORP. COM 166764100 729 6,496 SH   DFND 1 0 6,496 0
COCA-COLA CO. COM 191216100 491 11,632 SH   DFND 1 0 11,632 0
COLGATE PALMOLIVE COM 194162103 352 5,087 SH   DFND 1 0 5,087 0
CONAGRA FOODS, INC. COM 205887102 1,848 50,940 SH   DFND 1 0 50,940 0
CONOCOPHILLIPS COM 20825C104 218 3,157 SH   DFND 1 0 3,157 0
CONSOLIDATED EDISON INC. COM 209115104 367 5,567 SH   DFND 1 0 5,567 0
COVIDIEN LTD. SHS G2554F113 680 6,650 SH   DFND 1 0 6,650 0
DEVON ENERGY COM 25179M103 1,664 27,185 SH   DFND 1 0 27,185 0
DOMINION RESOURCES, INC. COM 25746U109 388 5,050 SH   DFND 1 0 5,050 0
DRESSER-RAND GROUP INC. COM 261608103 2,143 26,200 SH   DFND 1 0 26,200 0
DUKE ENERGY CORP. COM 26441C204 211 2,522 SH   DFND 1 0 2,522 0
ENTERPRISE PRODUCTS PTN. LP COM 293792107 260 7,200 SH   DFND 1 0 7,200 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 1,972 25,885 SH   DFND 1 0 25,885 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 356 4,200 SH   DFND 1 0 4,200 0
EXXON MOBIL CORP. COM 30231G102 3,086 33,376 SH   DFND 1 0 33,376 0
FORD MOTOR CO. COM 345370860 1,997 128,829 SH   DFND 1 0 128,829 0
GENERAL ELECTRIC COM 369604103 3,759 148,768 SH   DFND 1 0 148,768 0
HOME DEPOT COM 437076102 563 5,363 SH   DFND 1 0 5,363 0
INTEL CORP. COM 458140100 220 6,049 SH   DFND 1 0 6,049 0
INTERNATIONAL PAPER CO. COM 460146103 2,775 51,785 SH   DFND 1 0 51,785 0
INTL. BUSINESS MACHINES COM 459200101 472 2,939 SH   DFND 1 0 2,939 0
JOHNSON & JOHNSON COM 478160104 3,272 31,292 SH   DFND 1 0 31,292 0
JPMORGAN CHASE & CO. COM 46625H100 313 4,996 SH   DFND 1 0 4,996 0
KINDER MORGAN INC. COM 49456B101 2,256 53,330 SH   DFND 1 0 53,330 0
KRAFT FOODS GROUP COM 50076Q106 3,268 52,149 SH   DFND 1 0 52,149 0
MARKWEST ENERGY PARTNERS LP UNIT LTD PARTN 570759100 530 7,890 SH   DFND 1 0 7,890 0
MCKESSON CORP. COM 58155Q103 758 3,650 SH   DFND 1 0 3,650 0
MERCK & CO. COM 58933Y105 2,139 37,670 SH   DFND 1 0 37,670 0
METLIFE COM 59156R108 2,083 38,508 SH   DFND 1 0 38,508 0
MONDELEZ INTL. INC. CL. A CL A 609207105 2,861 78,762 SH   DFND 1 0 78,762 0
NEWMARKET CORPORATION COM 651587107 380 942 SH   DFND 1 0 942 0
ORACLE CORP. COM 68389X105 501 11,136 SH   DFND 1 0 11,136 0
PAYCHEX INC. COM 704326107 427 9,250 SH   DFND 1 0 9,250 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,342 88,419 SH   DFND 1 0 88,419 0
PEPSICO INC. COM 713448108 3,671 38,817 SH   DFND 1 0 38,817 0
PFIZER COM 717081103 715 22,954 SH   DFND 1 0 22,954 0
PHILIP MORRIS INTL. INC. COM 718172109 1,121 13,760 SH   DFND 1 0 13,760 0
PPG INDUSTRIES COM 693506107 248 1,075 SH   DFND 1 0 1,075 0
PPL CORP. COM 69351T106 2,000 55,050 SH   DFND 1 0 55,050 0
PROCTER & GAMBLE CO. COM 742718109 455 4,996 SH   DFND 1 0 4,996 0
QUALCOMM INC. COM 747525103 2,599 34,970 SH   DFND 1 0 34,970 0
SANOFI SPONSORED ADR 80105N105 2,424 53,145 SH   DFND 1 0 53,145 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,738 15,299 SH   DFND 1 0 15,299 0
SPDR MID-CAP UTSER1 78467Y107 665 2,520 SH   DFND 1 0 2,520 0
SPDR S&P 500 ETF TR UNIT 78462F103 961 4,675 SH   DFND 1 0 4,675 0
THE WALT DISNEY CO. COM 254687106 226 2,400 SH   DFND 1 0 2,400 0
TUPPERWARE BRANDS COM 899896104 239 3,800 SH   DFND 1 0 3,800 0
U.S. BANCORP COM 902973304 297 6,612 SH   DFND 1 0 6,612 0
UIL HOLDINGS CORP. COM 902748102 1,108 25,450 SH   DFND 1 0 25,450 0
UNITED TECHNOLOGIES COM 913017109 2,223 19,332 SH   DFND 1 0 19,332 0
VERIZON COMMUNICATIONS COM 92343V104 1,040 22,240 SH   DFND 1 0 22,240 0
VERTEX PHARMACEUTICALS COM 92532F100 517 4,350 SH   DFND 1 0 4,350 0
WAL-MART STORES COM 931142103 210 2,443 SH   DFND 1 0 2,443 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 2,287 31,310 SH   DFND 1 0 31,310 0
WORKDAY INC. CL. A CL A 98138H101 440 5,390 SH   DFND 1 0 5,390 0