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 577 3,738 SH   DFND 1 0 3,738 0
A T & T INC. COM 00206R102 2,827 79,594 SH   DFND 1 0 79,594 0
ABBOTT LABS COM 002824100 279 5,677 SH   DFND 1 0 5,677 0
ABBVIE INC. COM 00287Y109 373 5,552 SH   DFND 1 0 5,552 0
GOOGLE INC. CL A 38259P508 1,605 2,972 SH   DFND 1 0 2,972 0
GOOGLE INC. CL C 38259P706 1,054 2,025 SH   DFND 1 0 2,025 0
ALTRIA GROUP INC. COM 02209S103 574 11,745 SH   DFND 1 0 11,745 0
AMAZON.COM, INC. COM 023135106 269 620 SH   DFND 1 0 620 0
ANADARKO PETROLEUM COM 032511107 1,534 19,650 SH   DFND 1 0 19,650 0
APPLE INC. COM 037833100 4,088 32,594 SH   DFND 1 0 32,594 0
APPLIED MATERIALS INC. COM 038222105 2,331 121,270 SH   DFND 1 0 121,270 0
BCE, INC. COM 05534B760 2,135 50,240 SH   DFND 1 0 50,240 0
BERKSHIRE HATHAWAY CL B CL B 084670702 304 2,233 SH   DFND 1 0 2,233 0
BOEING CO. COM 097023105 214 1,545 SH   DFND 1 0 1,545 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 1,063 15,975 SH   DFND 1 0 15,975 0
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 266 3,600 SH   DFND 1 0 3,600 0
C.R. BARD INC. COM 067383109 256 1,500 SH   DFND 1 0 1,500 0
CARDINAL HEALTH, INC. COM 14149Y108 2,755 32,936 SH   DFND 1 0 32,936 0
CATERPILLAR INC. COM 149123101 1,017 11,985 SH   DFND 1 0 11,985 0
CBS CORP. CL A 124857103 283 5,100 SH   DFND 1 0 5,100 0
CELGENE CORP. COM 151020104 2,194 18,954 SH   DFND 1 0 18,954 0
CHEVRON CORP. COM 166764100 627 6,496 SH   DFND 1 0 6,496 0
COCA-COLA CO. COM 191216100 456 11,632 SH   DFND 1 0 11,632 0
COLGATE PALMOLIVE COM 194162103 333 5,087 SH   DFND 1 0 5,087 0
CONAGRA FOODS, INC. COM 205887102 1,948 44,555 SH   DFND 1 0 44,555 0
CONSOLIDATED EDISON INC. COM 209115104 322 5,567 SH   DFND 1 0 5,567 0
DEVON ENERGY COM 25179M103 1,591 26,750 SH   DFND 1 0 26,750 0
DOMINION RESOURCES, INC. COM 25746U109 338 5,050 SH   DFND 1 0 5,050 0
ENTERPRISE PRODUCTS PTN. LP COM 293792107 215 7,200 SH   DFND 1 0 7,200 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 1,711 19,745 SH   DFND 1 0 19,745 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 374 4,200 SH   DFND 1 0 4,200 0
EXXON MOBIL CORP. COM 30231G102 2,777 33,376 SH   DFND 1 0 33,376 0
FORD MOTOR CO. COM 345370860 1,917 127,725 SH   DFND 1 0 127,725 0
GENERAL ELECTRIC COM 369604103 3,909 147,134 SH   DFND 1 0 147,134 0
HOME DEPOT COM 437076102 596 5,363 SH   DFND 1 0 5,363 0
INTERNATIONAL PAPER CO. COM 460146103 2,443 51,325 SH   DFND 1 0 51,325 0
INTL. BUSINESS MACHINES COM 459200101 478 2,939 SH   DFND 1 0 2,939 0
JOHNSON & JOHNSON COM 478160104 3,034 31,132 SH   DFND 1 0 31,132 0
JPMORGAN CHASE & CO. COM 46625H100 339 4,996 SH   DFND 1 0 4,996 0
KINDER MORGAN INC. COM 49456B101 2,089 54,403 SH   DFND 1 0 54,403 0
KRAFT FOODS GROUP COM 50076Q106 4,400 51,678 SH   DFND 1 0 51,678 0
MARKWEST ENERGY PARTNERS LP UNIT LTD PARTN 570759100 445 7,890 SH   DFND 1 0 7,890 0
MCKESSON CORP. COM 58155Q103 821 3,650 SH   DFND 1 0 3,650 0
MEDTRONIC PLC SHS G5960L103 471 6,357 SH   DFND 1 0 6,357 0
MERCK & CO. COM 58933Y105 2,171 38,130 SH   DFND 1 0 38,130 0
METLIFE COM 59156R108 2,138 38,178 SH   DFND 1 0 38,178 0
MONDELEZ INTL. INC. CL. A CL A 609207105 3,226 78,419 SH   DFND 1 0 78,419 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 203 1,900 SH   DFND 1 0 1,900 0
NEWMARKET CORPORATION COM 651587107 418 942 SH   DFND 1 0 942 0
ORACLE CORP. COM 68389X105 394 9,786 SH   DFND 1 0 9,786 0
PAYCHEX INC. COM 704326107 434 9,250 SH   DFND 1 0 9,250 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,415 87,319 SH   DFND 1 0 87,319 0
PEPSICO INC. COM 713448108 3,602 38,587 SH   DFND 1 0 38,587 0
PFIZER COM 717081103 770 22,954 SH   DFND 1 0 22,954 0
PHILIP MORRIS INTL. INC. COM 718172109 1,042 12,995 SH   DFND 1 0 12,995 0
PPG INDUSTRIES COM 693506107 247 2,150 SH   DFND 1 0 2,150 0
PPL CORP. COM 69351T106 1,645 55,820 SH   DFND 1 0 55,820 0
PROCTER & GAMBLE CO. COM 742718109 391 4,996 SH   DFND 1 0 4,996 0
SANOFI SPONSORED ADR 80105N105 2,607 52,640 SH   DFND 1 0 52,640 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,640 14,594 SH   DFND 1 0 14,594 0
SPDR MID-CAP UTSER1 78467Y107 691 2,528 SH   DFND 1 0 2,528 0
SPDR S&P 500 ETF TR UNIT 78462F103 962 4,675 SH   DFND 1 0 4,675 0
THE WALT DISNEY CO. COM 254687106 274 2,400 SH   DFND 1 0 2,400 0
TUPPERWARE BRANDS COM 899896104 245 3,800 SH   DFND 1 0 3,800 0
U.S. BANCORP COM 902973304 287 6,612 SH   DFND 1 0 6,612 0
UIL HOLDINGS CORP. COM 902748102 1,148 25,065 SH   DFND 1 0 25,065 0
UNITED TECHNOLOGIES COM 913017109 2,144 19,332 SH   DFND 1 0 19,332 0
VERIZON COMMUNICATIONS COM 92343V104 1,037 22,240 SH   DFND 1 0 22,240 0
VERTEX PHARMACEUTICALS COM 92532F100 537 4,350 SH   DFND 1 0 4,350 0
WATERS CORP. COM 941848103 218 1,700 SH   DFND 1 0 1,700 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 1,962 30,960 SH   DFND 1 0 30,960 0
WORKDAY INC. CL. A CL A 98138H101 412 5,390 SH   DFND 1 0 5,390 0