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 530 3,736 SH   DFND   3,736 0 0
A T & T INC. COM 00206R102 2,673 82,043 SH   DFND   82,043 0 0
ABBOTT LABS COM 002824100 228 5,677 SH   DFND   5,677 0 0
ABBVIE INC. COM 00287Y109 302 5,552 SH   DFND   5,552 0 0
GOOGLE INC. CL A 38259P508 1,904 2,982 SH   DFND   2,982 0 0
GOOGLE INC. CL C 38259P706 1,232 2,025 SH   DFND   2,025 0 0
ALTRIA GROUP INC. COM 02209S103 639 11,745 SH   DFND   11,745 0 0
AMAZON.COM, INC. COM 023135106 317 620 SH   DFND   620 0 0
ANADARKO PETROLEUM COM 032511107 859 14,225 SH   DFND   14,225 0 0
APPLE INC. COM 037833100 3,591 32,558 SH   DFND   32,558 0 0
APPLIED MATERIALS INC. COM 038222105 1,424 96,920 SH   DFND   96,920 0 0
BCE, INC. COM 05534B760 2,027 49,490 SH   DFND   49,490 0 0
BERKSHIRE HATHAWAY CL B CL B 084670702 291 2,233 SH   DFND   2,233 0 0
BOEING CO. COM 097023105 202 1,545 SH   DFND   1,545 0 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 945 15,970 SH   DFND   15,970 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 213 3,600 SH   DFND   3,600 0 0
C.R. BARD INC. COM 067383109 279 1,500 SH   DFND   1,500 0 0
CARDINAL HEALTH, INC. COM 14149Y108 2,536 33,016 SH   DFND   33,016 0 0
CATERPILLAR INC. COM 149123101 783 11,985 SH   DFND   11,985 0 0
CBS CORP. CL A 124857103 203 5,100 SH   DFND   5,100 0 0
CELGENE CORP. COM 151020104 1,724 15,939 SH   DFND   15,939 0 0
CHEVRON CORP. COM 166764100 276 3,496 SH   DFND   3,496 0 0
COCA-COLA CO. COM 191216100 467 11,632 SH   DFND   11,632 0 0
COLGATE PALMOLIVE COM 194162103 323 5,087 SH   DFND   5,087 0 0
CONAGRA FOODS, INC. COM 205887102 1,805 44,555 SH   DFND   44,555 0 0
CONSOLIDATED EDISON INC. COM 209115104 372 5,567 SH   DFND   5,567 0 0
DEVON ENERGY COM 25179M103 992 26,750 SH   DFND   26,750 0 0
DOMINION RESOURCES, INC. COM 25746U109 355 5,050 SH   DFND   5,050 0 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 1,593 19,745 SH   DFND   19,745 0 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 340 4,200 SH   DFND   4,200 0 0
EXXON MOBIL CORP. COM 30231G102 2,493 33,526 SH   DFND   33,526 0 0
FORD MOTOR CO. COM 345370860 1,743 128,450 SH   DFND   128,450 0 0
GENERAL ELECTRIC COM 369604103 3,684 146,046 SH   DFND   146,046 0 0
HOME DEPOT COM 437076102 619 5,363 SH   DFND   5,363 0 0
INTL. BUSINESS MACHINES COM 459200101 426 2,939 SH   DFND   2,939 0 0
JOHNSON & JOHNSON COM 478160104 2,906 31,127 SH   DFND   31,127 0 0
JPMORGAN CHASE & CO. COM 46625H100 305 4,996 SH   DFND   4,996 0 0
KINDER MORGAN INC. COM 49456B101 1,171 42,319 SH   DFND   42,319 0 0
KRAFT HEINZ COMPANY COM 500754106 3,654 51,775 SH   DFND   51,775 0 0
MARKWEST ENERGY PARTNERS LP UNIT LTD PARTN 570759100 314 7,315 SH   DFND   7,315 0 0
MCKESSON CORP. COM 58155Q103 675 3,650 SH   DFND   3,650 0 0
MERCK & CO. COM 58933Y105 1,887 38,200 SH   DFND   38,200 0 0
METLIFE COM 59156R108 1,365 28,953 SH   DFND   28,953 0 0
MONDELEZ INTL. INC. CL. A CL A 609207105 2,792 66,674 SH   DFND   66,674 0 0
NEWMARKET CORPORATION COM 651587107 333 932 SH   DFND   932 0 0
ORACLE CORP. COM 68389X105 353 9,786 SH   DFND   9,786 0 0
PAYCHEX INC. COM 704326107 441 9,250 SH   DFND   9,250 0 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,374 87,319 SH   DFND   87,319 0 0
PEPSICO INC. COM 713448108 3,590 38,077 SH   DFND   38,077 0 0
PFIZER COM 717081103 721 22,954 SH   DFND   22,954 0 0
PHILIP MORRIS INTL. INC. COM 718172109 1,028 12,960 SH   DFND   12,960 0 0
PPL CORP. COM 69351T106 1,864 56,693 SH   DFND   56,693 0 0
PROCTER & GAMBLE CO. COM 742718109 359 4,996 SH   DFND   4,996 0 0
SANOFI SPONSORED ADR 80105N105 2,508 52,840 SH   DFND   52,840 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,536 14,374 SH   DFND   14,374 0 0
SPDR MID-CAP UTSER1 78467Y107 632 2,538 SH   DFND   2,538 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 902 4,705 SH   DFND   4,705 0 0
THE WALT DISNEY CO. COM 254687106 245 2,400 SH   DFND   2,400 0 0
U.S. BANCORP COM 902973304 271 6,612 SH   DFND   6,612 0 0
UIL HOLDINGS CORP. COM 902748102 1,275 25,365 SH   DFND   25,365 0 0
UNITED TECHNOLOGIES COM 913017109 1,718 19,307 SH   DFND   19,307 0 0
VERIZON COMMUNICATIONS COM 92343V104 968 22,240 SH   DFND   22,240 0 0
VERTEX PHARMACEUTICALS COM 92532F100 456 4,375 SH   DFND   4,375 0 0
WATERS CORP. COM 941848103 201 1,700 SH   DFND   1,700 0 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 1,162 24,810 SH   DFND   24,810 0 0
WORKDAY INC. CL. A CL A 98138H101 371 5,390 SH   DFND   5,390 0 0