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
APPLE COMPUTER COM 037833100 8,977 81,327 SH   SOLE 0 81,327 0 0
ISHARES MSCI ASIA EX-JAPAN INDEX FUND COM 464288182 98 1,612 SH   SOLE 0 1,612 0 0
ABBVIE INC. COM 00287Y109 20 304 SH   SOLE 0 304 0 0
AMERISOURCEBERGEN CORP. COM 03073E105 2,067 22,925 SH   SOLE 0 22,925 0 0
ABBOTT LABORATORIES COM 002824100 63 1,404 SH   SOLE 0 1,404 0 0
BARRICK GOLD COM 067901108 14 1,346 SH   SOLE 0 1,346 0 0
ACCENTURE PLC COM G1151C101 68 758 SH   SOLE 0 758 0 0
ACTAVIS INC. COM G0083B108 357 1,386 SH   SOLE 0 1,386 0 0
AUTOMATIC DATA PROCESSING COM 053015103 13 150 SH   SOLE 0 150 0 0
THE ADT CORPORATION COM 00101J106 27 739 SH   SOLE 0 739 0 0
AMERICAN ELECTRIC POWER COM 025537101 61 1,000 SH   SOLE 0 1,000 0 0
AFLAC INC. COM 001055102 46 760 SH   SOLE 0 760 0 0
AMERICAN INT`L GROUP COM 026874784 1 11 SH   SOLE 0 11 0 0
ASANKO GOLD INC. COM 04341Y105 2 1,000 SH   SOLE 0 1,000 0 0
ALCATEL-LUCENT - SPONSORED ADR COM 013904305 3 848 SH   SOLE 0 848 0 0
APPLIED MATERIALS INC. COM 038222105 7 300 SH   SOLE 0 300 0 0
AMGEN INC. COM 031162100 782 4,908 SH   SOLE 0 4,908 0 0
AMERICAN SUPERCONDUCTOR CORP. COM 030111108 0 200 SH   SOLE 0 200 0 0
AMAZON.COM, INC. COM 023135106 186 598 SH   SOLE 0 598 0 0
BLACKROCK MSCI ACWI IMI FD M COM AOJFT 2 192 SH   SOLE 0 192 0 0
ARCOS DORADOS HOLDINGS INC. - A COM G0457F107 1 100 SH   SOLE 0 100 0 0
ARM HOLDINGS PLC-SPONS ADR COM 042068106 10 221 SH   SOLE 0 221 0 0
ASHLAND INC. COM 044209104 1 10 SH   SOLE 0 10 0 0
ACTIVISION BLIZZARD INC. COM 00507V109 20 1,000 SH   SOLE 0 1,000 0 0
YAMANA GOLD INC. COM 98462Y100 0 81 SH   SOLE 0 81 0 0
AVAGO TECHNOLOGIES COM Y0486S104 8 78 SH   SOLE 0 78 0 0
AMERICAN STATES WATER CO. COM 029899101 21 560 SH   SOLE 0 560 0 0
AMERICAN EXPRESS CO. COM 025816109 172 1,854 SH   SOLE 0 1,854 0 0
BOEING CO. COM 097023105 8 62 SH   SOLE 0 62 0 0
ALIBABA GROUP HOLDING LTD. SPONSORED ADR COM 01609W102 12 113 SH   SOLE 0 113 0 0
BANK OF AMERICA CORP. COM 060505104 44 2,454 SH   SOLE 0 2,454 0 0
BAXTER INTERNATIONAL COM 071813109 3,119 42,554 SH   SOLE 0 42,554 0 0
BED, BATH, AND BEYOND COM 075896100 38 500 SH   SOLE 0 500 0 0
BB&T CORPORATION COM 054937107 1 16 SH   SOLE 0 16 0 0
THE BRINK`S COMPANY COM 109696104 8 321 SH   SOLE 0 321 0 0
BECTON DICKINSON & CO. COM 075887109 16 117 SH   SOLE 0 117 0 0
BAKER HUGHES INC. COM 057224107 4 63 SH   SOLE 0 63 0 0
BIOGEN IDEC INC. COM 09062X103 17 49 SH   SOLE 0 49 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 31 769 SH   SOLE 0 769 0 0
BLACKROCK INC. COM 09247X101 786 2,199 SH   SOLE 0 2,199 0 0
BALL CORP. COM 058498106 9 126 SH   SOLE 0 126 0 0
BRISTOL MYERS SQUIBB COM 110122108 59 1,000 SH   SOLE 0 1,000 0 0
BANK OF NOVA SCOTIA COM 064149107 57 1,000 SH   SOLE 0 1,000 0 0
BP PLC ADR COM 055622104 31 808 SH   SOLE 0 808 0 0
BROADRIDGE FINANCIAL SOLUTIONS LLC COM 11133T103 2 50 SH   SOLE 0 50 0 0
BROADCOM CORP. CLASS A COM 111320107 4 100 SH   SOLE 0 100 0 0
BERKSHIRE HATHAWAY INC. CLASS B COM 084670702 135 896 SH   SOLE 0 896 0 0
BORGWARNER, INC. COM 099724106 928 16,890 SH   SOLE 0 16,890 0 0
CITIGROUP INC. COM 172967424 1 20 SH   SOLE 0 20 0 0
CA INC. COM 12673P105 30 1,000 SH   SOLE 0 1,000 0 0
CARDINAL HEALTH INC. COM 14149Y108 24 300 SH   SOLE 0 300 0 0
CATERPILLAR TRACTOR COM 149123101 445 4,864 SH   SOLE 0 4,864 0 0
CHUBB CORP. COM 171232101 2,244 21,687 SH   SOLE 0 21,687 0 0
CINCINNATI BELL INC COM 171871106 4 1,185 SH   SOLE 0 1,185 0 0
CHICAGO BRIDGE & IRON COM 167250109 335 7,990 SH   SOLE 0 7,990 0 0
CDK GLOBAL INC. COM 12508E101 2 50 SH   SOLE 0 50 0 0
CELGENE CORP. COM 151020104 3 30 SH   SOLE 0 30 0 0
CAREFUSION CORP. COM 14170T101 7 125 SH   SOLE 0 125 0 0
CHEVIOT FINANCIAL CORP COM 16677X105 3 205 SH   SOLE 0 205 0 0
CHESAPEAKE ENERGY CORP COM 165167107 8 400 SH   SOLE 0 400 0 0
CINCINNATI FINANCIAL COM 172062101 59 1,140 SH   SOLE 0 1,140 0 0
COLGATE PALMOLIVE COM 194162103 28 400 SH   SOLE 0 400 0 0
CLOROX CO. COM 189054109 23 219 SH   SOLE 0 219 0 0
COMCAST CORP-CL A COM 20030N101 168 2,903 SH   SOLE 0 2,903 0 0
COMCAST CORP. - SPECIAL CLASS A COM 20030N200 317 5,500 SH   SOLE 0 5,500 0 0
CHIPOTLE MEXICAN GRILL - CLASS `A` COM 169656105 21 31 SH   SOLE 0 31 0 0
CUMMINS INC. COM 231021106 11 77 SH   SOLE 0 77 0 0
CMS ENERGY CORP. COM 125896100 35 1,000 SH   SOLE 0 1,000 0 0
CANADIAN NATIONAL RAILWAY COMPANY COM 136375102 55 800 SH   SOLE 0 800 0 0
COACH INC COM 189754104 4 100 SH   SOLE 0 100 0 0
CONOCOPHILLIPS COM 20825C104 2,730 39,534 SH   SOLE 0 39,534 0 0
COSTCO WHOLESALE CORP. COM 22160K105 42 295 SH   SOLE 0 295 0 0
COVIDIEN PLC COM G2554F113 43 418 SH   SOLE 0 418 0 0
COMPOSITE TECHNOLOGY CORPORATION COM 20461S108 0 2,000 SH   SOLE 0 2,000 0 0
CALIFORNIA RESOURCES CORPORATION COM 13057Q107 86 15,631 SH   SOLE 0 15,631 0 0
CISCO SYSTEMS COM 17275R102 24 865 SH   SOLE 0 865 0 0
CSX CORP. COM 126408103 1,323 36,521 SH   SOLE 0 36,521 0 0
CINTAS CORP. COM 172908105 161 2,050 SH   SOLE 0 2,050 0 0
CONVERGYS COM 212485106 31 1,525 SH   SOLE 0 1,525 0 0
CVS/CAREMARK CORPORATION COM 126650100 11 110 SH   SOLE 0 110 0 0
CHEVRON CORPORATION COM 166764100 285 2,540 SH   SOLE 0 2,540 0 0
CALIFORNIA WATER SERVICE GROUP COM 130788102 25 1,000 SH   SOLE 0 1,000 0 0
DARLING INGREDIENTS INC. COM 237266101 12 650 SH   SOLE 0 650 0 0
POWERSHARES DB COMMODITY COM 73935S105 30 1,650 SH   SOLE 0 1,650 0 0
DIEBOLD INC. COM 253651103 1 21 SH   SOLE 0 21 0 0
E. I. DUPONT DE NEMOURS COM 263534109 3,080 41,661 SH   SOLE 0 41,661 0 0
PROSHARES ULTRA DOW 30 COM 74347R305 2 13 SH   SOLE 0 13 0 0
DEERE & CO. COM 244199105 2,695 30,458 SH   SOLE 0 30,458 0 0
DEJOUR ENTERPRISES LTD COM 24486R103 1 3,000 SH   SOLE 0 3,000 0 0
DEAN FOODS COMPANY COM 242370203 284 14,650 SH   SOLE 0 14,650 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 10 150 SH   SOLE 0 150 0 0
DISNEY WALT HOLDING CO. COM 254687106 4,742 50,349 SH   SOLE 0 50,349 0 0
DIAMOND OFFSHORE DRILLING COM 25271C102 20 550 SH   SOLE 0 550 0 0
DOW CHEMICAL COM 260543103 15 322 SH   SOLE 0 322 0 0
DARDEN RESTAURANTS INC. COM 237194105 100 1,700 SH   SOLE 0 1,700 0 0
DTE ENERGY CO. COM 233331107 5 60 SH   SOLE 0 60 0 0
DUKE ENERGY CORP. COM 26441C204 437 5,230 SH   SOLE 0 5,230 0 0
DEVON ENERGY CORP. COM 25179M103 6 100 SH   SOLE 0 100 0 0
ELECTRONIC ARTS INC. COM 285512109 19 400 SH   SOLE 0 400 0 0
EBAY, INC. COM 278642103 19 334 SH   SOLE 0 334 0 0
ENCANA CORP. COM 292505104 3 200 SH   SOLE 0 200 0 0
ISHARES MSCI EMERGING MARKETS COM 464287234 3,387 86,214 SH   SOLE 0 86,214 0 0
ISHARES MSCI EAFE INDEX FUND COM 464287465 406 6,676 SH   SOLE 0 6,676 0 0
ISHARES MSCI EAFE GROWTH INDEX COM 464288885 9,508 144,471 SH   SOLE 0 144,471 0 0
EMC CORP. COM 268648102 1,470 49,443 SH   SOLE 0 49,443 0 0
EMERSON ELECTRIC COM 291011104 222 3,600 SH   SOLE 0 3,600 0 0
ISHARES MSCI PACIFIC EX JAPAN COM 464286665 4 100 SH   SOLE 0 100 0 0
EXPRESS SCRIPTS HOLDING COMPANY COM 30219G108 14 162 SH   SOLE 0 162 0 0
ISHARES MSCI CANADA INDEX FUND COM 464286509 717 24,857 SH   SOLE 0 24,857 0 0
ISHARES MSCI UNITED KINGDOM COM 46434V548 625 34,645 SH   SOLE 0 34,645 0 0
ISHARES MSCI MEXICO COM 464286822 575 9,676 SH   SOLE 0 9,676 0 0
ISHARES MSCI BRAZIL INDEX COM 464286400 9 250 SH   SOLE 0 250 0 0
FORD MOTOR COMPANY COM 345370860 3,034 195,738 SH   SOLE 0 195,738 0 0
FACEBOOK INC. COM 30303M102 1,351 17,322 SH   SOLE 0 17,322 0 0
FEDEX CORPORATION COM 31428X106 3,665 21,106 SH   SOLE 0 21,106 0 0
FIRSTENERGY CORP. COM 337932107 56 1,426 SH   SOLE 0 1,426 0 0
FIFTH THIRD BANCORP COM 316773100 65 3,200 SH   SOLE 0 3,200 0 0
FLEXTRONICS INTERNATIONAL LTD COM Y2573F102 18 1,650 SH   SOLE 0 1,650 0 0
FLUOR CORP COM 343412102 475 7,838 SH   SOLE 0 7,838 0 0
LUNDIN GOLD INC. COM 550371108 3 815 SH   SOLE 0 815 0 0
FRONTIER COMMUNICATIONS CORP. COM 35906A108 1 152 SH   SOLE 0 152 0 0
FOX PETROLEUM INC. COM 351465208 0 1,600 SH   SOLE 0 1,600 0 0
GENERAL DYNAMICS CORP. COM 369550108 52 375 SH   SOLE 0 375 0 0
GENERAL ELECTRIC COM 369604103 3,564 141,019 SH   SOLE 0 141,019 0 0
GOLDCORP INC. COM 380956409 364 19,653 SH   SOLE 0 19,653 0 0
GILEAD SCIENCES INC. COM 375558103 2,948 31,276 SH   SOLE 0 31,276 0 0
GENERAL MILLS COM 370334104 132 2,480 SH   SOLE 0 2,480 0 0
GOOGLE INC-CL C COM 38259P706 248 471 SH   SOLE 0 471 0 0
GOOGLE INC. COM 38259P508 1,640 3,090 SH   SOLE 0 3,090 0 0
GLOBAL PAYMENTS INC COM 37940X102 12 154 SH   SOLE 0 154 0 0
GOPRO INC CLASS A COM 38268T103 13 206 SH   SOLE 0 206 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,972 15,335 SH   SOLE 0 15,335 0 0
GOLDSANDS DEVELOPMENT COMPANY COM 381454107 0 25,000 SH   SOLE 0 25,000 0 0
GLAXOSMITHKLINE PLC ADR COM 37733W105 214 5,004 SH   SOLE 0 5,004 0 0
GUNPOWDER GOLD CORP. COM 403073109 0 4,550 SH   SOLE 0 4,550 0 0
W. W. GRAINGER COM 384802104 25 100 SH   SOLE 0 100 0 0
HAIN CELESTIAL GROUP, INC. COM 405217100 39 676 SH   SOLE 0 676 0 0
HALLIBURTON COMPANY COM 406216101 673 17,122 SH   SOLE 0 17,122 0 0
HOME DEPOT INC. COM 437076102 270 2,574 SH   SOLE 0 2,574 0 0
HAWAIIAN ELECTRIC INDUSTRIES COM 419870100 8 242 SH   SOLE 0 242 0 0
HELEN OF TROY LTD COM G4388N106 156 2,400 SH   SOLE 0 2,400 0 0
HILLENBRAND, INC. COM 431571108 3 100 SH   SOLE 0 100 0 0
HARTFORD FINANCIAL SVCS GROUP COM 416515104 21 500 SH   SOLE 0 500 0 0
HARLEY-DAVIDSON INC. COM 412822108 3 50 SH   SOLE 0 50 0 0
HONEYWELL INTERNATIONAL INC. COM 438516106 45 450 SH   SOLE 0 450 0 0
HEWLETT-PACKARD COMPANY COM 428236103 60 1,498 SH   SOLE 0 1,498 0 0
HILL-ROM HOLDINGS, INC. COM 431475102 5 100 SH   SOLE 0 100 0 0
HERSHEY FOODS CORP. COM 427866108 31 300 SH   SOLE 0 300 0 0
HUMANA INC COM 444859102 2,139 14,894 SH   SOLE 0 14,894 0 0
HEADWATERS, INC. COM 42210P102 6 400 SH   SOLE 0 400 0 0
ISHARES NASDAQ BIOTECHNOLOGY FD COM 464287556 30 100 SH   SOLE 0 100 0 0
INT`L BUSINESS MACHINES COM 459200101 852 5,313 SH   SOLE 0 5,313 0 0
ISHARES COHEN & STEERS REALTY MAJORS INDEX FUND COM 464287564 6 58 SH   SOLE 0 58 0 0
INNOVATIVE CLINICAL SOLUTION, LTD. COM 45767E305 0 16 SH   SOLE 0 16 0 0
INTEGRATED ENERGY SOLUTIONS COM 45825V109 0 10,000 SH   SOLE 0 10,000 0 0
ISHARES D.J. US OIL EQUIPMENT & SVCS COM 464288844 41 825 SH   SOLE 0 825 0 0
VOYA GLOBAL EQUITY DIVIDEND AND PREMIUM OPPORTUNIT COM 92912T100 38 4,520 SH   SOLE 0 4,520 0 0
INTERNATIONAL GAME TECHNOLOGY COM 459902102 515 29,865 SH   SOLE 0 29,865 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507 11,976 82,706 SH   SOLE 0 82,706 0 0
ISHARES S&P MIDCAP 400 VALUE COM 464287705 10 79 SH   SOLE 0 79 0 0
ISHARES S&P MIDCAP 400 GROWTH COM 464287606 13 82 SH   SOLE 0 82 0 0
ISHARES CORE S&P SMALL-CAP ETF COM 464287804 10,031 87,945 SH   SOLE 0 87,945 0 0
INTEL CORPORATION COM 458140100 569 15,668 SH   SOLE 0 15,668 0 0
INVENSENSE INC. COM 46123D205 16 1,000 SH   SOLE 0 1,000 0 0
ION GEOPHYSICAL CORPORATION COM 462044108 1 300 SH   SOLE 0 300 0 0
IMPERIAL RESOURCES INC. COM 45308Q106 0 5,200 SH   SOLE 0 5,200 0 0
INTUITIVE SURGICAL INC. COM 46120E602 40 75 SH   SOLE 0 75 0 0
ILLINOIS TOOL WORKS INC. COM 452308109 13 141 SH   SOLE 0 141 0 0
ISHARES S&P 500 VALUE INDEX FUND COM 464287408 5 50 SH   SOLE 0 50 0 0
ISHARES S&P 500 INDEX FUND COM 464287200 200 965 SH   SOLE 0 965 0 0
ISHARES S&P 500 GROWTH INDEX FD COM 464287309 448 4,011 SH   SOLE 0 4,011 0 0
ISHARES RUSSELL 1000 INDEX FUND COM 464287622 184 1,602 SH   SOLE 0 1,602 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 11 103 SH   SOLE 0 103 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 22 225 SH   SOLE 0 225 0 0
ISHARES RUSSELL 2000 INDEX FUND COM 464287655 16 134 SH   SOLE 0 134 0 0
ISHARES RUSSELL 2000 VALUE INDEX COM 464287630 26 253 SH   SOLE 0 253 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 14 98 SH   SOLE 0 98 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND COM 464287481 93 1,001 SH   SOLE 0 1,001 0 0
ISHARES RUSSELL MIDCAP VALUE COM 464287473 34 466 SH   SOLE 0 466 0 0
ISHARES RUSSELL 3000 VALUE INDEX COM 464287663 4 32 SH   SOLE 0 32 0 0
ISHARES DOW JONES REAL ESTATE COM 464287739 138 1,800 SH   SOLE 0 1,800 0 0
ISHARES DOW JONES US INDEX FUND COM 464287846 6 55 SH   SOLE 0 55 0 0
JACK IN THE BOX INC COM 466367109 16 200 SH   SOLE 0 200 0 0
JONES LANG LASALLE INCORPORATED COM 48020Q107 9 61 SH   SOLE 0 61 0 0
JOHNSON & JOHNSON COM 478160104 608 5,818 SH   SOLE 0 5,818 0 0
J.P. MORGAN CHASE & CO. COM 46625H100 2,860 45,702 SH   SOLE 0 45,702 0 0
KINROSS GOLD COM 496902404 1 222 SH   SOLE 0 222 0 0
KINDER MORGAN INC. COM 49456B101 93 2,193 SH   SOLE 0 2,193 0 0
COCA COLA COM 191216100 2,417 57,236 SH   SOLE 0 57,236 0 0
KROGER CO. COM 501044101 1,380 21,490 SH   SOLE 0 21,490 0 0
SPDR S & P REGIONAL BANKING COM 78464A698 13 325 SH   SOLE 0 325 0 0
KRAFT FOODS GROUP, INC. COM 50076Q106 64 1,029 SH   SOLE 0 1,029 0 0
L BRANDS INC. COM 501797104 61 708 SH   SOLE 0 708 0 0
LIBERTY STAR URANIUM & METAL COM 53123T206 0 1,750 SH   SOLE 0 1,750 0 0
LARGO RESOURCES LTD. COM 517103404 1 400 SH   SOLE 0 400 0 0
LKQ CORPORATION COM 501889208 15 525 SH   SOLE 0 525 0 0
ELI LILLY COM 532457108 92 1,337 SH   SOLE 0 1,337 0 0
LOCKHEED MARTIN CORP. COM 539830109 48 250 SH   SOLE 0 250 0 0
LINCOLN NATIONAL CORP. IND. COM 534187109 6 100 SH   SOLE 0 100 0 0
LOWES COMPANIES INC. COM 548661107 83 1,200 SH   SOLE 0 1,200 0 0
SOUTHWEST AIRLINES CO. COM 844741108 42 1,000 SH   SOLE 0 1,000 0 0
MACY`S INC. COM 55616P104 49 746 SH   SOLE 0 746 0 0
MARRIOTT INTERNATIONAL CLASS A COM 571903202 8 100 SH   SOLE 0 100 0 0
MCDONALD`S CORP. COM 580135101 846 9,029 SH   SOLE 0 9,029 0 0
MONDELEZ INTERNATIONAL, INC. COM 609207105 2,743 75,521 SH   SOLE 0 75,521 0 0
MEDTRONIC, INC. COM 585055106 164 2,275 SH   SOLE 0 2,275 0 0
S&P MIDCAP 400 SPDR TRUST COM 78467Y107 42 158 SH   SOLE 0 158 0 0
MANULIFE FINANCIAL CORPORATION COM 56501R106 15 760 SH   SOLE 0 760 0 0
MIDDLEBY CORPORATION COM 596278101 3 26 SH   SOLE 0 26 0 0
MARKEL CORPORATION COM 570535104 68 100 SH   SOLE 0 100 0 0
3M COMPANY COM 88579Y101 278 1,693 SH   SOLE 0 1,693 0 0
MALLINCKRODT PLC COM G5785G107 5 51 SH   SOLE 0 51 0 0
ALTRIA GROUP INC. COM 02209S103 73 1,475 SH   SOLE 0 1,475 0 0
MERCK & CO. INC. COM 58933Y105 1,039 18,288 SH   SOLE 0 18,288 0 0
MORGAN STANLEY DEAN WITTER & CO. COM 617446448 12 300 SH   SOLE 0 300 0 0
MICROSOFT CORP. COM 594918104 800 17,214 SH   SOLE 0 17,214 0 0
MYLAN LABORATORIES, INC. COM 628530107 128 2,273 SH   SOLE 0 2,273 0 0
NORTHERN DYNASTY MINERALS COM 66510M204 2 5,000 SH   SOLE 0 5,000 0 0
NCR CORP. COM 62886E108 31 1,050 SH   SOLE 0 1,050 0 0
NEXTERA ENERGY INC. COM 65339F101 2,494 23,466 SH   SOLE 0 23,466 0 0
NEWMONT MINING CORP. COM 651639106 5 278 SH   SOLE 0 278 0 0
NEPTUNE TECHS & BIORESOURCES COM 64077P108 1 500 SH   SOLE 0 500 0 0
NIKE, INC. CLASS B COM 654106103 40 414 SH   SOLE 0 414 0 0
ANNALY MORTGAGE MANAGEMENT COM 035710409 4 400 SH   SOLE 0 400 0 0
NRG ENERGY INC. COM 629377508 0 3 SH   SOLE 0 3 0 0
NORTEL NETWORKS CORP COM 656568508 0 67 SH   SOLE 0 67 0 0
NORFOLK SOUTHERN COM 655844108 22 200 SH   SOLE 0 200 0 0
NORTHEAST UTILITIES COM 664397106 18 345 SH   SOLE 0 345 0 0
NUCOR CORP. COM 670346105 1,872 38,159 SH   SOLE 0 38,159 0 0
OHA INVESTMENT CORP. COM 67091U102 0 100 SH   SOLE 0 100 0 0
OCEAN POWER TECHNOLOGIES INC. COM 674870308 0 600 SH   SOLE 0 600 0 0
ORACLE CORP. COM 68389X105 3,063 68,121 SH   SOLE 0 68,121 0 0
ORAMED PHARMACEUTICALS INC. COM 68403P203 2 334 SH   SOLE 0 334 0 0
OCCIDENTAL PETROLEUM COM 674599105 3,104 38,510 SH   SOLE 0 38,510 0 0
PETROLEO BRASILEIRO S.A.-ADR COM 71654V408 3 450 SH   SOLE 0 450 0 0
PLUM CREEK TIMBER CO. INC. COM 729251108 90 2,100 SH   SOLE 0 2,100 0 0
PUBLIC SERVICE ENTERPRISE GROUP INC. COM 744573106 5 112 SH   SOLE 0 112 0 0
PEPSICO, INC. COM 713448108 178 1,887 SH   SOLE 0 1,887 0 0
PETSMART INC. COM 716768106 7 90 SH   SOLE 0 90 0 0
PFIZER, INC. COM 717081103 645 20,691 SH   SOLE 0 20,691 0 0
PROCTER & GAMBLE COM 742718109 5,847 64,192 SH   SOLE 0 64,192 0 0
PROGRESSIVE CORP. COM 743315103 11 400 SH   SOLE 0 400 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 122 1,500 SH   SOLE 0 1,500 0 0
PNC FINANCIAL SERVICES GP INC. COM 693475105 2 25 SH   SOLE 0 25 0 0
PENTAIR, LTD COM G7S00T104 23 352 SH   SOLE 0 352 0 0
PANERA BREAD COMPANY CLASS `A` COM 69840W108 17 100 SH   SOLE 0 100 0 0
PIEDMONT NATURAL GAS CO. COM 720186105 12 300 SH   SOLE 0 300 0 0
POWER RESOURCE EXPLORATION COM 73933D100 0 20 SH   SOLE 0 20 0 0
PRUDENTIAL FINANCIAL INC. COM 744320102 2 23 SH   SOLE 0 23 0 0
PHILLIPS 66 COM 718546104 242 3,375 SH   SOLE 0 3,375 0 0
QUANTA SERVICES, INC. COM 74762E102 10 362 SH   SOLE 0 362 0 0
POWERSHARES DYNAMIC LARGE CAP VALUE COM 73935X708 16 500 SH   SOLE 0 500 0 0
PRAXAIR INC. COM 74005P104 104 806 SH   SOLE 0 806 0 0
POWERSHARES CLEANTECH PORTFOLIO COM 73935X278 59 2,035 SH   SOLE 0 2,035 0 0
QUALCOMM, INC. COM 747525103 3,609 48,551 SH   SOLE 0 48,551 0 0
QEP RESOURCES, INC. COM 74733V100 2 114 SH   SOLE 0 114 0 0
NASDAQ 100 UNIT TRUST COM 73935A104 14 140 SH   SOLE 0 140 0 0
ROYAL DUTCH SHELL PLC-ADR A COM 780259206 6 94 SH   SOLE 0 94 0 0
ROYAL DUTCH SHELL PLC-ADR B COM 780259107 37 530 SH   SOLE 0 530 0 0
EVEREST RE GROUP LTD. COM G3223R108 102 600 SH   SOLE 0 600 0 0
RED HOT CONCEPTS, INC. COM 756601308 0 5,153 SH   SOLE 0 5,153 0 0
TRANSOCEAN LTD. COM H8817H100 7 384 SH   SOLE 0 384 0 0
ROSS STORES INC. COM 778296103 47 500 SH   SOLE 0 500 0 0
RAYTHEON COMPANY COM 755111507 12 109 SH   SOLE 0 109 0 0
RYLAND GROUP INC. COM 783764103 4 100 SH   SOLE 0 100 0 0
BOSTON BEER COMPANY, INC. COM 100557107 10 33 SH   SOLE 0 33 0 0
STARBUCKS CORP. COM 855244109 23 284 SH   SOLE 0 284 0 0
SPECTRA ENERGY CORP. COM 847560109 114 3,143 SH   SOLE 0 3,143 0 0
SEALED AIR CORPORATION COM 81211K100 1,132 26,675 SH   SOLE 0 26,675 0 0
SOFTBANK CORP. - UNSPON ADR COM 83404D109 48 1,586 SH   SOLE 0 1,586 0 0
SWIFT ENERGY CO COM 870738101 26 6,500 SH   SOLE 0 6,500 0 0
SIGMA-ALDRICH CORPORATION COM 826552101 5 39 SH   SOLE 0 39 0 0
SILEX SYSTEMS LTD COM Q85045104 0 300 SH   SOLE 0 300 0 0
THE JM SMUCKER CO. COM 832696405 20 200 SH   SOLE 0 200 0 0
SCHLUMBERGER LTD. COM 806857108 2,026 23,724 SH   SOLE 0 23,724 0 0
SCRIPPS NETWORKS INTER - CLASS `A` COM 811065101 301 4,000 SH   SOLE 0 4,000 0 0
SOUTHERN COMPANY COM 842587107 58 1,174 SH   SOLE 0 1,174 0 0
STRATA OIL & GAS INC. COM 86270C105 2 12,000 SH   SOLE 0 12,000 0 0
SIMON PROPERTY GROUP INC. COM 828806109 18 100 SH   SOLE 0 100 0 0
SPDR S & P 500 ETF TRUST COM 78462F103 2,830 13,770 SH   SOLE 0 13,770 0 0
SEMPRA ENERGY COM 816851109 33 300 SH   SOLE 0 300 0 0
SEVENTY SEVEN ENERGY INC. COM 818097107 0 28 SH   SOLE 0 28 0 0
SCRIPPS E.W. CO. CLASS A COM 811054402 17 773 SH   SOLE 0 773 0 0
SUNCOKE ENERGY INC. COM 86722A103 1 53 SH   SOLE 0 53 0 0
SYSCO CORP. COM 871829107 8 200 SH   SOLE 0 200 0 0
AT&T INC COM 00206R102 373 11,103 SH   SOLE 0 11,103 0 0
TERADATA CORP. COM 88076W103 46 1,050 SH   SOLE 0 1,050 0 0
TE CONNECTIVITY LTD. COM H84989104 26 418 SH   SOLE 0 418 0 0
TFS FINANCIAL CORP COM 87240R107 1 100 SH   SOLE 0 100 0 0
TARGET CORP. COM 87612E106 121 1,599 SH   SOLE 0 1,599 0 0
TJX COMPANIES COM 872540109 69 1,000 SH   SOLE 0 1,000 0 0
THERMO FISHER SCIENTIFIC INC. COM 883556102 27 213 SH   SOLE 0 213 0 0
TENNANT COMPANY COM 880345103 16 220 SH   SOLE 0 220 0 0
T ROWE PRICE GROUP INC. COM 74144T108 7 84 SH   SOLE 0 84 0 0
TRAVELERS COMPANIES INC. COM 89417E109 1,695 16,010 SH   SOLE 0 16,010 0 0
TUFFNELL LTD. COM 89904P104 0 30,000 SH   SOLE 0 30,000 0 0
TEXAS INSTRUMENTS COM 882508104 37 698 SH   SOLE 0 698 0 0
TEXTRON INC. COM 883203101 34 800 SH   SOLE 0 800 0 0
TYCO INTERNATIONAL PLC COM G91442106 65 1,479 SH   SOLE 0 1,479 0 0
UNITED BANKSHARES INC. COM 909907107 194 5,177 SH   SOLE 0 5,177 0 0
UIL HOLDINGS CORP COM 902748102 4 83 SH   SOLE 0 83 0 0
UNITEDHEALTH GROUP INC COM 91324P102 572 5,663 SH   SOLE 0 5,663 0 0
UNION PACIFIC COM 907818108 66 550 SH   SOLE 0 550 0 0
ULTRA PETROLEUM CORP. COM 903914109 23 1,750 SH   SOLE 0 1,750 0 0
U.S. BANCORP COM 902973304 2,284 50,805 SH   SOLE 0 50,805 0 0
COHEN & STEERS INFRASTRUCTURE FUND COM 19248A109 1,271 55,963 SH   SOLE 0 55,963 0 0
UNITED TECHNOLOGIES COM 913017109 997 8,667 SH   SOLE 0 8,667 0 0
VISA INC. - CLASS `A` COM 92826C839 3,762 14,346 SH   SOLE 0 14,346 0 0
MARRIOTT VACATIONS WORLDWIDE CORPORATION COM 57164Y107 1 10 SH   SOLE 0 10 0 0
VANGUARD SMALL CAP GROWTH FUND COM 922908595 4 30 SH   SOLE 0 30 0 0
VANGUARD MSCI EAFE COM 921943858 19 500 SH   SOLE 0 500 0 0
VF CORP. COM 918204108 40 540 SH   SOLE 0 540 0 0
VIACOM INC-B COM 92553P201 41 542 SH   SOLE 0 542 0 0
VANGUARD REIT ETF COM 922908553 2,582 31,872 SH   SOLE 0 31,872 0 0
VIRTUAL SCOPICS INC. COM 928269208 0 150 SH   SOLE 0 150 0 0
VITESSE SEMICONDUCTOR CORP. COM 928497304 0 5 SH   SOLE 0 5 0 0
VANGUARD GROWTH ETF COM 922908736 534 5,115 SH   SOLE 0 5,115 0 0
VANGUARD EMERGING MARKETS COM 922042858 99 2,480 SH   SOLE 0 2,480 0 0
VERIZON COMMUNICATIONS COM 92343V104 2,888 61,741 SH   SOLE 0 61,741 0 0
WALGREEN CO. COM 931422109 11 138 SH   SOLE 0 138 0 0
WELLS FARGO & CO. COM 949746101 1,269 23,149 SH   SOLE 0 23,149 0 0
WHOLE FOODS MARKET, INC. COM 966837106 16 324 SH   SOLE 0 324 0 0
W HOLDING COMPANY INC. COM 929251874 0 238 SH   SOLE 0 238 0 0
WILLIAMS COMPANIES INC. COM 969457100 45 1,000 SH   SOLE 0 1,000 0 0
WMI HOLDINGS CORP COM 92936P100 0 14 SH   SOLE 0 14 0 0
WAL-MART STORES, INC. COM 931142103 369 4,300 SH   SOLE 0 4,300 0 0
WASHINGTON PRIME GROUP COM 939647103 1 50 SH   SOLE 0 50 0 0
WPX ENERGY INC. COM 98212B103 4 333 SH   SOLE 0 333 0 0
WESBANCO INC. COM 950810101 23 657 SH   SOLE 0 657 0 0
AQUA AMERICA IN. COM 03836W103 4 135 SH   SOLE 0 135 0 0
WHITEWAVE FOODS COMPANY COM 966244105 458 13,090 SH   SOLE 0 13,090 0 0
WEYERHAEUSER CO. COM 962166104 11 300 SH   SOLE 0 300 0 0
SPDR BASIC INDUSTRIES INDEX COM 81369Y100 10 200 SH   SOLE 0 200 0 0
SPDR ENERGY INDEX COM 81369Y506 298 3,759 SH   SOLE 0 3,759 0 0
SPDR FINANCIAL INDEX COM 81369Y605 454 18,350 SH   SOLE 0 18,350 0 0
SPDR INDUSTRIAL INDEX COM 81369Y704 330 5,831 SH   SOLE 0 5,831 0 0
SPDR TECHNOLOGY INDEX COM 81369Y803 2,160 52,237 SH   SOLE 0 52,237 0 0
SPDR CONSUMER STAPLES SELECT COM 81369Y308 36 745 SH   SOLE 0 745 0 0
SPDR UTILITIES SELECT SECTOR COM 81369Y886 769 16,288 SH   SOLE 0 16,288 0 0
SPDR HEALTH CARE SELECT SECTOR COM 81369Y209 177 2,588 SH   SOLE 0 2,588 0 0
SPDR CONSUMER DISCRETIONARY COM 81369Y407 72 1,004 SH   SOLE 0 1,004 0 0
EXXON MOBIL CORPORATION COM 30231G102 1,485 16,066 SH   SOLE 0 16,066 0 0
EXETER RESOURCE COM 301835104 1 1,000 SH   SOLE 0 1,000 0 0
YANDEX NV - A COM N97284108 2 100 SH   SOLE 0 100 0 0
YUM! BRANDS INC COM 988498101 1 17 SH   SOLE 0 17 0 0
ZAZA ENERGY CORP. COM 98919T407 0 100 SH   SOLE 0 100 0 0
ZWEIG FUND INC. COM 989834205 21 1,382 SH   SOLE 0 1,382 0 0
ZIMMER HOLDINGS INC COM 98956P102 2 20 SH   SOLE 0 20 0 0