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 611 3,669 SH   DFND   3,669 0 0
A T & T INC. COM 00206R102 3,244 82,804 SH   DFND   82,804 0 0
ABBOTT LABS COM 002824100 239 5,702 SH   DFND   5,702 0 0
ABBVIE INC. COM 00287Y109 319 5,577 SH   DFND   5,577 0 0
ALBEMARLE CORP. COM 012653101 207 3,240 SH   DFND   3,240 0 0
ALPHABET INC. CL. A CAP STK CL A 02079K305 2,277 2,985 SH   DFND   2,985 0 0
ALPHABET INC. CL. C CAP STK CL C 02079K107 1,488 1,997 SH   DFND   1,997 0 0
ALTRIA GROUP INC. COM 02209S103 701 11,185 SH   DFND   11,185 0 0
AMAZON.COM, INC. COM 023135106 368 620 SH   DFND   620 0 0
ANADARKO PETROLEUM COM 032511107 836 17,950 SH   DFND   17,950 0 0
APPLE INC. COM 037833100 3,460 31,747 SH   DFND   31,747 0 0
APPLIED MATERIALS INC. COM 038222105 2,614 123,435 SH   DFND   123,435 0 0
AUTOMATIC DATA PROCESSING COM 053015103 210 2,338 SH   DFND   2,338 0 0
AVANGRID, INC. COM 05351W103 1,007 25,115 SH   DFND   25,115 0 0
BCE, INC. COM 05534B760 2,122 46,600 SH   DFND   46,600 0 0
BERKSHIRE HATHAWAY CL B CL B 084670702 232 1,633 SH   DFND   1,633 0 0
BRISTOL-MYERS SQUIBB CO. COM 110122108 1,020 15,970 SH   DFND   15,970 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 233 3,430 SH   DFND   3,430 0 0
C.R. BARD INC. COM 067383109 304 1,500 SH   DFND   1,500 0 0
CARDINAL HEALTH, INC. COM 14149Y108 2,614 31,901 SH   DFND   31,901 0 0
CELGENE CORP. COM 151020104 1,966 19,639 SH   DFND   19,639 0 0
CHEVRON CORP. COM 166764100 677 7,096 SH   DFND   7,096 0 0
COCA-COLA CO. COM 191216100 540 11,632 SH   DFND   11,632 0 0
COLGATE PALMOLIVE COM 194162103 363 5,143 SH   DFND   5,143 0 0
CONAGRA FOODS, INC. COM 205887102 1,936 43,380 SH   DFND   43,380 0 0
CONSOLIDATED EDISON INC. COM 209115104 404 5,267 SH   DFND   5,267 0 0
DEVON ENERGY COM 25179M103 330 12,010 SH   DFND   12,010 0 0
DOMINION RESOURCES, INC. COM 25746U109 382 5,085 SH   DFND   5,085 0 0
ESTEE LAUDER COMPANIES INC. CL A 518439104 1,784 18,920 SH   DFND   18,920 0 0
EXPRESS SCRIPTS HOLDINGS CO. COM 30219G108 288 4,200 SH   DFND   4,200 0 0
EXXON MOBIL CORP. COM 30231G102 2,759 33,001 SH   DFND   33,001 0 0
FACEBOOK INC. CL. A CL A 30303M102 1,427 12,510 SH   DFND   12,510 0 0
FORD MOTOR CO. COM 345370860 1,767 130,900 SH   DFND   130,900 0 0
GENERAL ELECTRIC COM 369604103 4,543 142,917 SH   DFND   142,917 0 0
HOME DEPOT COM 437076102 1,206 9,038 SH   DFND   9,038 0 0
INTL. BUSINESS MACHINES COM 459200101 400 2,639 SH   DFND   2,639 0 0
JOHNSON & JOHNSON COM 478160104 3,375 31,197 SH   DFND   31,197 0 0
JPMORGAN CHASE & CO. COM 46625H100 296 4,996 SH   DFND   4,996 0 0
KINDER MORGAN INC. COM 49456B101 521 29,189 SH   DFND   29,189 0 0
KRAFT HEINZ COMPANY COM 500754106 4,016 51,115 SH   DFND   51,115 0 0
MCDONALD'S CORP. COM 580135101 211 1,675 SH   DFND   1,675 0 0
MCKESSON CORP. COM 58155Q103 574 3,650 SH   DFND   3,650 0 0
MERCK & CO. COM 58933Y105 2,004 37,880 SH   DFND   37,880 0 0
METLIFE COM 59156R108 1,685 38,348 SH   DFND   38,348 0 0
MONDELEZ INTL. INC. CL. A CL A 609207105 2,575 64,175 SH   DFND   64,175 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 207 1,900 SH   DFND   1,900 0 0
NEWMARKET CORPORATION COM 651587107 365 922 SH   DFND   922 0 0
ORACLE CORP. COM 68389X105 384 9,386 SH   DFND   9,386 0 0
PAYCHEX INC. COM 704326107 473 8,750 SH   DFND   8,750 0 0
PEOPLE'S UNITED FINANCIAL INC. COM 712704105 1,385 86,919 SH   DFND   86,919 0 0
PEPSICO INC. COM 713448108 3,832 37,397 SH   DFND   37,397 0 0
PFIZER COM 717081103 680 22,954 SH   DFND   22,954 0 0
PHILIP MORRIS INTL. INC. COM 718172109 1,265 12,895 SH   DFND   12,895 0 0
PPG INDUSTRIES COM 693506107 240 2,150 SH   DFND   2,150 0 0
PPL CORP. COM 69351T106 2,193 57,623 SH   DFND   57,623 0 0
PROCTER & GAMBLE CO. COM 742718109 395 4,796 SH   DFND   4,796 0 0
SANOFI SPONSORED ADR 80105N105 2,036 50,705 SH   DFND   50,705 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 1,650 14,024 SH   DFND   14,024 0 0
SPDR MID-CAP UTSER1 78467Y107 742 2,823 SH   DFND   2,823 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 967 4,705 SH   DFND   4,705 0 0
THE WALT DISNEY CO. COM 254687106 2,232 22,477 SH   DFND   22,477 0 0
TUPPERWARE BRANDS COM 899896104 220 3,800 SH   DFND   3,800 0 0
U.S. BANCORP COM 902973304 268 6,612 SH   DFND   6,612 0 0
UNITED TECHNOLOGIES COM 913017109 1,913 19,107 SH   DFND   19,107 0 0
VERIZON COMMUNICATIONS COM 92343V104 1,203 22,240 SH   DFND   22,240 0 0
VERTEX PHARMACEUTICALS COM 92532F100 348 4,375 SH   DFND   4,375 0 0
WATERS CORP. COM 941848103 224 1,700 SH   DFND   1,700 0 0
WELLS FARGO & CO. COM 949746101 2,141 44,270 SH   DFND   44,270 0 0
WESTERN GAS PARTNERS LP COM UNIT LP 958254104 1,344 30,960 SH   DFND   30,960 0 0
WORKDAY INC. CL. A CL A 98138H101 414 5,390 SH   DFND   5,390 0 0