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 617 3,738 SH   DFND 1 0 3,738 0
A T & T INC. COM 00206R102 2,617 80,149 SH   DFND 1 0 80,149 0
ABBOTT LABS COM 002824100 263 5,677 SH   DFND 1 0 5,677 0
ABBVIE INC. COM 00287Y109 325 5,552 SH   DFND 1 0 5,552 0
GOOGLE INC. CL A 38259P508 1,613 2,907 SH   DFND 1 0 2,907 0
GOOGLE INC. CL C 38259P706 1,123 2,050 SH   DFND 1 0 2,050 0
ALTRIA GROUP INC. COM 02209S103 587 11,745 SH   DFND 1 0 11,745 0
AMAZON.COM, INC. COM 023135106 231 620 SH   DFND 1 0 620 0
ANADARKO PETROLEUM COM 032511107 1,642 19,825 SH   DFND 1 0 19,825 0
APPLE INC. COM 037833100 4,069 32,701 SH   DFND 1 0 32,701 0
BCE, INC. COM 05534B760 2,136 50,415 SH   DFND 1 0 50,415 0
BERKSHIRE HATHAWAY CL B CL B 084670702 322 2,233 SH   DFND 1 0 2,233 0
BOEING CO. COM 097023105 232 1,545 SH   DFND 1 0 1,545 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 1,030 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 728 4,350 SH   DFND 1 0 4,350 0
CARDINAL HEALTH, INC. COM 14149Y108 2,990 33,126 SH   DFND 1 0 33,126 0
CATERPILLAR INC. COM 149123101 976 12,195 SH   DFND 1 0 12,195 0
CBS CORP. CL A 124857103 309 5,100 SH   DFND 1 0 5,100 0
CHEVRON CORP. COM 166764100 682 6,496 SH   DFND 1 0 6,496 0
COCA-COLA CO. COM 191216100 472 11,632 SH   DFND 1 0 11,632 0
COLGATE PALMOLIVE COM 194162103 353 5,087 SH   DFND 1 0 5,087 0
CONAGRA FOODS, INC. COM 205887102 1,841 50,395 SH   DFND 1 0 50,395 0
CONSOLIDATED EDISON INC. COM 209115104 340 5,567 SH   DFND 1 0 5,567 0
DEVON ENERGY COM 25179M103 1,632 27,060 SH   DFND 1 0 27,060 0
DOMINION RESOURCES, INC. COM 25746U109 358 5,050 SH   DFND 1 0 5,050 0
ENTERPRISE PRODUCTS PTN. LP COM 293792107 237 7,200 SH   DFND 1 0 7,200 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 2,085 25,070 SH   DFND 1 0 25,070 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 364 4,200 SH   DFND 1 0 4,200 0
EXXON MOBIL CORP. COM 30231G102 2,837 33,376 SH   DFND 1 0 33,376 0
FORD MOTOR CO. COM 345370860 2,071 128,315 SH   DFND 1 0 128,315 0
GENERAL ELECTRIC COM 369604103 3,674 148,074 SH   DFND 1 0 148,074 0
HOME DEPOT COM 437076102 609 5,363 SH   DFND 1 0 5,363 0
INTERNATIONAL PAPER CO. COM 460146103 2,865 51,625 SH   DFND 1 0 51,625 0
INTL. BUSINESS MACHINES COM 459200101 472 2,939 SH   DFND 1 0 2,939 0
JOHNSON & JOHNSON COM 478160104 3,126 31,077 SH   DFND 1 0 31,077 0
JPMORGAN CHASE & CO. COM 46625H100 303 4,996 SH   DFND 1 0 4,996 0
KINDER MORGAN INC. COM 49456B101 2,272 54,011 SH   DFND 1 0 54,011 0
KRAFT FOODS GROUP COM 50076Q106 4,585 52,629 SH   DFND 1 0 52,629 0
MARKWEST ENERGY PARTNERS LP UNIT LTD PARTN 570759100 522 7,890 SH   DFND 1 0 7,890 0
MCKESSON CORP. COM 58155Q103 826 3,650 SH   DFND 1 0 3,650 0
MEDTRONIC INC. COM 585055106 496 6,357 SH   DFND 1 0 6,357 0
MERCK & CO. COM 58933Y105 2,195 38,195 SH   DFND 1 0 38,195 0
METLIFE COM 59156R108 1,934 38,263 SH   DFND 1 0 38,263 0
MONDELEZ INTL. INC. CL. A CL A 609207105 2,868 79,463 SH   DFND 1 0 79,463 0
NEWMARKET CORPORATION COM 651587107 450 942 SH   DFND 1 0 942 0
ORACLE CORP. COM 68389X105 422 9,786 SH   DFND 1 0 9,786 0
PAYCHEX INC. COM 704326107 459 9,250 SH   DFND 1 0 9,250 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,344 88,419 SH   DFND 1 0 88,419 0
PEPSICO INC. COM 713448108 3,688 38,567 SH   DFND 1 0 38,567 0
PFIZER COM 717081103 799 22,954 SH   DFND 1 0 22,954 0
PHILIP MORRIS INTL. INC. COM 718172109 982 13,035 SH   DFND 1 0 13,035 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 201 1,900 SH   DFND 1 0 1,900 0
PPG INDUSTRIES COM 693506107 242 1,075 SH   DFND 1 0 1,075 0
PPL CORP. COM 69351T106 1,887 56,050 SH   DFND 1 0 56,050 0
PROCTER & GAMBLE CO. COM 742718109 409 4,996 SH   DFND 1 0 4,996 0
QUALCOMM INC. COM 747525103 2,418 34,875 SH   DFND 1 0 34,875 0
SANOFI SPONSORED ADR 80105N105 2,620 52,990 SH   DFND 1 0 52,990 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,696 14,924 SH   DFND 1 0 14,924 0
SPDR MID-CAP UTSER1 78467Y107 699 2,520 SH   DFND 1 0 2,520 0
SPDR S&P 500 ETF TR UNIT 78462F103 965 4,675 SH   DFND 1 0 4,675 0
THE WALT DISNEY CO. COM 254687106 252 2,400 SH   DFND 1 0 2,400 0
TUPPERWARE BRANDS COM 899896104 262 3,800 SH   DFND 1 0 3,800 0
U.S. BANCORP COM 902973304 289 6,612 SH   DFND 1 0 6,612 0
UIL HOLDINGS CORP. COM 902748102 1,289 25,065 SH   DFND 1 0 25,065 0
UNITED TECHNOLOGIES COM 913017109 2,257 19,257 SH   DFND 1 0 19,257 0
VERIZON COMMUNICATIONS COM 92343V104 1,082 22,240 SH   DFND 1 0 22,240 0
VERTEX PHARMACEUTICALS COM 92532F100 513 4,350 SH   DFND 1 0 4,350 0
WAL-MART STORES COM 931142103 201 2,443 SH   DFND 1 0 2,443 0
WATERS CORP. COM 941848103 211 1,700 SH   DFND 1 0 1,700 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 2,062 31,310 SH   DFND 1 0 31,310 0
WORKDAY INC. CL. A CL A 98138H101 455 5,390 SH   DFND 1 0 5,390 0