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 563 3,736 SH   DFND   3,736 0 0
A T & T INC. COM 00206R102 2,886 83,878 SH   DFND   83,878 0 0
ABBOTT LABS COM 002824100 255 5,677 SH   DFND   5,677 0 0
ABBVIE INC. COM 00287Y109 329 5,552 SH   DFND   5,552 0 0
ALPHABET INC. CL. A CAP STK CL A 02079K305 2,340 3,008 SH   DFND   3,008 0 0
ALPHABET INC. CL. C CAP STK CL B 02079K107 1,522 2,005 SH   DFND   2,005 0 0
ALTRIA GROUP INC. COM 02209S103 684 11,745 SH   DFND   11,745 0 0
AMAZON.COM, INC. COM 023135106 419 620 SH   DFND   620 0 0
ANADARKO PETROLEUM COM 032511107 901 18,550 SH   DFND   18,550 0 0
APPLE INC. COM 037833100 3,432 32,607 SH   DFND   32,607 0 0
APPLIED MATERIALS INC. COM 038222105 2,374 127,170 SH   DFND   127,170 0 0
AVANGRID, INC. COM 05351W103 974 25,365 SH   DFND   25,365 0 0
BCE, INC. COM 05534B760 1,867 48,355 SH   DFND   48,355 0 0
BERKSHIRE HATHAWAY CL B CL B 084670702 249 1,883 SH   DFND   1,883 0 0
BOEING CO. COM 097023105 209 1,445 SH   DFND   1,445 0 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 1,099 15,970 SH   DFND   15,970 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 237 3,600 SH   DFND   3,600 0 0
C.R. BARD INC. COM 067383109 284 1,500 SH   DFND   1,500 0 0
CARDINAL HEALTH, INC. COM 14149Y108 2,936 32,891 SH   DFND   32,891 0 0
CELGENE CORP. COM 151020104 2,405 20,079 SH   DFND   20,079 0 0
CHEVRON CORP. COM 166764100 638 7,096 SH   DFND   7,096 0 0
COCA-COLA CO. COM 191216100 500 11,632 SH   DFND   11,632 0 0
COLGATE PALMOLIVE COM 194162103 339 5,087 SH   DFND   5,087 0 0
CONAGRA FOODS, INC. COM 205887102 1,873 44,430 SH   DFND   44,430 0 0
CONSOLIDATED EDISON INC. COM 209115104 358 5,567 SH   DFND   5,567 0 0
DEVON ENERGY COM 25179M103 420 13,110 SH   DFND   13,110 0 0
DOMINION RESOURCES, INC. COM 25746U109 342 5,050 SH   DFND   5,050 0 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 1,739 19,745 SH   DFND   19,745 0 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 367 4,200 SH   DFND   4,200 0 0
EXXON MOBIL CORP. COM 30231G102 2,575 33,026 SH   DFND   33,026 0 0
FACEBOOK INC. CL. A CL A 30303M102 1,296 12,380 SH   DFND   12,380 0 0
FORD MOTOR CO. COM 345370860 1,903 135,050 SH   DFND   135,050 0 0
GENERAL ELECTRIC COM 369604103 4,545 145,907 SH   DFND   145,907 0 0
HOME DEPOT COM 437076102 1,195 9,038 SH   DFND   9,038 0 0
INTEL CORP. COM 458140100 208 6,049 SH   DFND   6,049 0 0
INTL. BUSINESS MACHINES COM 459200101 377 2,739 SH   DFND   2,739 0 0
JOHNSON & JOHNSON COM 478160104 3,279 31,922 SH   DFND   31,922 0 0
JPMORGAN CHASE & CO. COM 46625H100 330 4,996 SH   DFND   4,996 0 0
KINDER MORGAN INC. COM 49456B101 462 30,933 SH   DFND   30,933 0 0
KRAFT HEINZ COMPANY COM 500754106 3,822 52,530 SH   DFND   52,530 0 0
MCDONALD'S CORP. COM 580135101 222 1,875 SH   DFND   1,875 0 0
MCKESSON CORP. COM 58155Q103 720 3,650 SH   DFND   3,650 0 0
MERCK & CO. COM 58933Y105 2,045 38,705 SH   DFND   38,705 0 0
METLIFE COM 59156R108 1,900 39,418 SH   DFND   39,418 0 0
MONDELEZ INTL. INC. CL. A CL A 609207105 2,980 66,474 SH   DFND   66,474 0 0
NEWMARKET CORPORATION COM 651587107 353 927 SH   DFND   927 0 0
ORACLE CORP. COM 68389X105 343 9,386 SH   DFND   9,386 0 0
PAYCHEX INC. COM 704326107 489 9,250 SH   DFND   9,250 0 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,404 86,919 SH   DFND   86,919 0 0
PEPSICO INC. COM 713448108 3,823 38,262 SH   DFND   38,262 0 0
PFIZER COM 717081103 741 22,954 SH   DFND   22,954 0 0
PHILIP MORRIS INTL. INC. COM 718172109 1,138 12,940 SH   DFND   12,940 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 213 1,900 SH   DFND   1,900 0 0
PPG INDUSTRIES COM 693506107 212 2,150 SH   DFND   2,150 0 0
PPL CORP. COM 69351T106 2,008 58,823 SH   DFND   58,823 0 0
PROCTER & GAMBLE CO. COM 742718109 397 4,996 SH   DFND   4,996 0 0
SANOFI SPONSORED ADR 80105N105 2,224 52,140 SH   DFND   52,140 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,417 13,969 SH   DFND   13,969 0 0
SPDR MID-CAP UTSER1 78467Y107 717 2,823 SH   DFND   2,823 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 959 4,705 SH   DFND   4,705 0 0
THE WALT DISNEY CO. COM 254687106 699 6,650 SH   DFND   6,650 0 0
TUPPERWARE BRANDS COM 899896104 211 3,800 SH   DFND   3,800 0 0
U.S. BANCORP COM 902973304 282 6,612 SH   DFND   6,612 0 0
UNITED TECHNOLOGIES COM 913017109 1,900 19,782 SH   DFND   19,782 0 0
VERIZON COMMUNICATIONS COM 92343V104 1,028 22,240 SH   DFND   22,240 0 0
VERTEX PHARMACEUTICALS COM 92532F100 551 4,375 SH   DFND   4,375 0 0
WATERS CORP. COM 941848103 229 1,700 SH   DFND   1,700 0 0
WELLS FARGO & CO. COM 949746101 2,470 45,430 SH   DFND   45,430 0 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 1,492 31,385 SH   DFND   31,385 0 0
WORKDAY INC. CL. A CL A 98138H101 429 5,390 SH   DFND   5,390 0 0