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 INC COMMON 037833100 820 7,431 SH   SOLE   7,431 0 0
APPLE COMPUTER INC COMMON 037833100 17,781 161,204 SH   SOLE   161,204 0 0
ABB LTD-SPON ADR COMMON 000375204 2,815 159,330 SH   SOLE   159,330 0 0
ABBVIE INC COMMON 00287Y109 413 7,593 SH   SOLE   7,593 0 0
ABBOTT LABORATORIES COMMON 002824100 284 7,054 SH   SOLE   7,054 0 0
ABBOTT LABORATORIES COMMON 002824100 8,562 212,877 SH   SOLE   212,877 0 0
BARRICK GOLD COMMON 067901108 223 35,128 SH   SOLE   35,128 0 0
BARRICK GOLD COMMON 067901108 1,053 165,524 SH   SOLE   165,524 0 0
AGNICO-EAGLE MINES LTD COMMON 008474108 666 26,294 SH   SOLE   26,294 0 0
AGNICO-EAGLE MINES LTD COMMON 008474108 4,243 167,570 SH   SOLE   167,570 0 0
ALLERGAN PLC COMMON G0177J108 1,170 4,304 SH   SOLE   4,304 0 0
ARMADA HOFFLER PROPERTIES IN COMMON 04208T108 493 50,478 SH   SOLE   50,478 0 0
ALLEGHENY TECH COMMON 001741R10 158 11,146 SH   SOLE   11,146 0 0
AMGEN INC COMMON 031162100 836 6,047 SH   SOLE   6,047 0 0
ANTHEM INC COMMON 036752103 280 2,000 SH   SOLE   2,000 0 0
ANADARKO PETROLEUM COMMON 032511107 1,942 32,162 SH   SOLE   32,162 0 0
ANADARKO PETROLEUM COMMON 032511107 9,777 161,891 SH   SOLE   161,891 0 0
AIR TRANSPORT SERVICES GROUP COMMON 00922R105 395 46,204 SH   SOLE   46,204 0 0
AVAGO TECHNOLOGIES LTD COMMON Y0486S104 250 2,000 SH   SOLE   2,000 0 0
AMERICAN WATER WORKS COMMON 030420103 3,753 68,135 SH   SOLE   68,135 0 0
AMERICAN WATER WORKS COMMON 030420103 10,552 191,575 SH   SOLE   191,575 0 0
AMERICAN EXPRESS COMMON 025816109 554 7,468 SH   SOLE   7,468 0 0
BOEING COMMON 097023105 2,861 21,849 SH   SOLE   21,849 0 0
BOEING COMMON 097023105 1,942 14,831 SH   SOLE   14,831 0 0
ALIBABA GROUP HOLDING-SP ADR COMMON 01609W102 398 6,750 SH   SOLE   6,750 0 0
ALIBABA GROUP HOLDING-SP ADR COMMON 01609W102 313 5,300 SH   SOLE   5,300 0 0
BANK OF AMERICA CORP COMMON 060505104 518 33,225 SH   SOLE   33,225 0 0
BAY COMMERCIAL BANK COMMON 072199102 308 25,620 SH   SOLE   25,620 0 0
BAIDU INC - SPON ADR COMMON 056752108 236 1,715 SH   SOLE   1,715 0 0
BIOGEN IDEC COMMON 09062X103 1,401 4,800 SH   SOLE   4,800 0 0
BRISTOL-MYERS SQUIBB COMMON 110122108 210 3,539 SH   SOLE   3,539 0 0
BUCKEYE PARTNERS LP COMMON 118230101 1,000 16,871 SH   SOLE   16,871 0 0
BUCKEYE PARTNERS LP COMMON 118230101 2,312 39,013 SH   SOLE   39,013 0 0
BERKSHIRE HATHAWAY - CL A COMMON 084670108 976 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY CLASS B COMMON 084670702 293 2,249 SH   SOLE   2,249 0 0
CATERPILLAR COMMON 149123101 1,346 20,597 SH   SOLE   20,597 0 0
CATERPILLAR COMMON 149123101 5,825 89,125 SH   SOLE   89,125 0 0
CHICAGO BRIDGE & IRON CO NV COMMON 167250109 692 17,450 SH   SOLE   17,450 0 0
CELGENE COMMON 151020104 476 4,400 SH   SOLE   4,400 0 0
CAPITALAND LTD COMMON Y10923103 77 40,000 SH   SOLE   40,000 0 0
CME GROUP COMMON 12572Q105 469 5,052 SH   SOLE   5,052 0 0
CUMMINS COMMON 231021106 360 3,313 SH   SOLE   3,313 0 0
CUMMINS COMMON 231021106 3,523 32,445 SH   SOLE   32,445 0 0
COSTCO WHOLESALE COMMON 22160K105 4,421 30,580 SH   SOLE   30,580 0 0
COSTCO WHOLESALE COMMON 22160K105 17,216 119,082 SH   SOLE   119,082 0 0
CRESCENT POINT ENERGY CORP COMMON 22576C101 450 39,345 SH   SOLE   39,345 0 0
CRESCENT POINT ENERGY CORP COMMON 22576C101 2,015 176,250 SH   SOLE   176,250 0 0
SALESFORCE.COM INC COMMON 79466L302 208 3,000 SH   SOLE   3,000 0 0
CTRIP.COM INTERNATIONAL-ADR COMMON 22943F100 297 4,700 SH   SOLE   4,700 0 0
CHEVRON CORP. COMMON 166764100 7,208 91,377 SH   SOLE   91,377 0 0
CURTISS-WRIGHT COMMON 231561101 376 6,016 SH   SOLE   6,016 0 0
DU PONT (E.I.) DE NEMOURS COMMON 263534109 1,186 24,610 SH   SOLE   24,610 0 0
DONEGAL GROUP INC-CL A COMMON 257701201 530 37,702 SH   SOLE   37,702 0 0
WALT DISNEY COMMON 254687106 5,291 51,775 SH   SOLE   51,775 0 0
WALT DISNEY COMMON 254687106 12,099 118,388 SH   SOLE   118,388 0 0
DUKE ENERGY CORP COMMON 26441C204 463 6,436 SH   SOLE   6,436 0 0
DEVON ENERGY CORPORATION COMMON 25179M103 1,093 29,468 SH   SOLE   29,468 0 0
DEVON ENERGY CORPORATION COMMON 25179M103 5,037 135,799 SH   SOLE   135,799 0 0
ENCANA CORP. COMMON 292505104 355 55,077 SH   SOLE   55,077 0 0
ECOLAB COMMON 278865100 219 2,000 SH   SOLE   2,000 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON 29250R106 342 13,827 SH   SOLE   13,827 0 0
EMERSON ELECTRIC COMMON 291011104 1,513 34,244 SH   SOLE   34,244 0 0
EMERSON ELECTRIC COMMON 291011104 6,717 152,067 SH   SOLE   152,067 0 0
EOG RESOURCES INC COMMON 26875P101 214 2,944 SH   SOLE   2,944 0 0
EOG RESOURCES INC COMMON 26875P101 1,591 21,860 SH   SOLE   21,860 0 0
ENTERPRISE PRODUCT PARTNERS L.P. COMMON 293792107 628 25,214 SH   SOLE   25,214 0 0
EQUITY RESIDENTIAL COMMON 29476L107 0 5,400 SH   SOLE   5,400 0 0
ENERGY TRANSFER PARTNERS LP COMMON 29273R109 3,658 89,062 SH   SOLE   89,062 0 0
FACEBOOK INC-A COMMON 30303M102 548 6,100 SH   SOLE   6,100 0 0
FIRST DEFIANCE FINL CORP COMMON 32006W106 265 7,238 SH   SOLE   7,238 0 0
FEDEX CORPORATION COMMON 31428X106 324 2,252 SH   SOLE   2,252 0 0
F5 NETWORKS INC COMMON 315616102 463 4,000 SH   SOLE   4,000 0 0
FS BANCORP INC COMMON 30263Y104 577 24,463 SH   SOLE   24,463 0 0
FIRST SAVINGS FINANCIAL GRP COMMON 33621E109 531 15,624 SH   SOLE   15,624 0 0
GENERAL ELECTRIC COMMON 369604103 7,122 282,377 SH   SOLE   282,377 0 0
GOLDCORP COMMON 380956409 557 44,513 SH   SOLE   44,513 0 0
GOLDCORP COMMON 380956409 2,762 220,575 SH   SOLE   220,575 0 0
GILEAD SCIENCES INC COMMON 375558103 863 8,794 SH   SOLE   8,794 0 0
GREAT LAKES DREDGE & DOCK CO COMMON 390607109 494 97,972 SH   SOLE   97,972 0 0
GOOGLE INC-CL C COMMON 38259P706 1,811 2,977 SH   SOLE   2,977 0 0
GOOGLE INC-CL C COMMON 38259P706 3,464 5,694 SH   SOLE   5,694 0 0
GOOGLE INC-CL A COMMON 38259P508 1,896 2,970 SH   SOLE   2,970 0 0
GOOGLE INC-CL A COMMON 38259P508 3,759 5,889 SH   SOLE   5,889 0 0
GRAMERCY PROPERTY TRUST INC COMMON 38489R605 307 14,768 SH   SOLE   14,768 0 0
GOLDMAN SACHS COMMON 38141G104 313 1,800 SH   SOLE   1,800 0 0
HALLIBURTON COMMON 406216101 215 6,073 SH   SOLE   6,073 0 0
HALLIBURTON COMMON 406216101 894 25,300 SH   SOLE   25,300 0 0
HCP INC COMMON 40414L109 269 7,215 SH   SOLE   7,215 0 0
HOME DEPOT INC. COMMON 437076102 321 2,778 SH   SOLE   2,778 0 0
HONEYWELL INTERNATIONAL INC. COMMON 438516106 3,806 40,196 SH   SOLE   40,196 0 0
HONEYWELL INTERNATIONAL INC. COMMON 438516106 12,608 133,150 SH   SOLE   133,150 0 0
H&R REAL ESTATE INV-REIT UTS COMMON 404428203 305 20,375 SH   SOLE   20,375 0 0
HUMANA INC COMMON 444859102 483 2,700 SH   SOLE   2,700 0 0
INTL BUSINESS MACHINES COMMON 459200101 2,075 14,315 SH   SOLE   14,315 0 0
INTL BUSINESS MACHINES COMMON 459200101 8,137 56,130 SH   SOLE   56,130 0 0
ICAHN ENTERPRISES LP COMMON 451100101 402 6,000 SH   SOLE   6,000 0 0
IMMUNOCELLULAR THERAPEUTICS COMMON 452536105 12 28,000 SH   SOLE   28,000 0 0
INTEL CORP COMMON 458140100 341 11,312 SH   SOLE   11,312 0 0
JOHNSON & JOHNSON COMMON 478160104 3,019 32,336 SH   SOLE   32,336 0 0
JOHNSON & JOHNSON COMMON 478160104 13,965 149,594 SH   SOLE   149,594 0 0
KINROSS GOLD CORP. COMMON 496902404 137 79,522 SH   SOLE   79,522 0 0
KINROSS GOLD CORP. COMMON 496902404 620 360,175 SH   SOLE   360,175 0 0
KINGSTONE COS INC COMMON 496719105 367 42,450 SH   SOLE   42,450 0 0
KIMBERLY CLARK COMMON 494368103 2,345 21,507 SH   SOLE   21,507 0 0
KIMBERLY CLARK COMMON 494368103 3,283 30,104 SH   SOLE   30,104 0 0
KINDER MORGAN INC COMMON 49456B101 303 10,964 SH   SOLE   10,964 0 0
KINDER MORGAN INC COMMON 49456B101 7,916 285,987 SH   SOLE   285,987 0 0
KEMPER COMMON 488401100 819 23,160 SH   SOLE   23,160 0 0
COCA COLA COMMON 191216100 768 19,145 SH   SOLE   19,145 0 0
KONARED CORP COMMON 50048Y104 1 11,500 SH   SOLE   11,500 0 0
LILLY (ELI) COMMON 532457108 212 2,528 SH   SOLE   2,528 0 0
LOCKHEED MARTIN COMMON 539830109 486 2,345 SH   SOLE   2,345 0 0
LULULEMON ATHLETICA INC COMMON 550021109 218 4,300 SH   SOLE   4,300 0 0
LSB INDUSTRIES INC COMMON 502160104 171 11,184 SH   SOLE   11,184 0 0
MID-AMERICA APARTMENT COMM COMMON 059522J10 0 3,000 SH   SOLE   3,000 0 0
MADISON COUNTY FINANCIAL INC COMMON 556777100 293 14,234 SH   SOLE   14,234 0 0
MCDONALDS COMMON 580135101 233 2,361 SH   SOLE   2,361 0 0
McKESSON COMMON 58155Q103 296 1,600 SH   SOLE   1,600 0 0
MERCURY GENERAL COMMON 589400100 356 7,050 SH   SOLE   7,050 0 0
MARINE HARVEST ASA- SPON ADR COMMON 56824R205 316 25,050 SH   SOLE   25,050 0 0
3M COMPANY COMMON 88579Y101 3,295 23,245 SH   SOLE   23,245 0 0
3M COMPANY COMMON 88579Y101 13,537 95,483 SH   SOLE   95,483 0 0
MAGELLAN MIDSTREAM PARTNERS, LP. COMMON 559080106 811 13,489 SH   SOLE   13,489 0 0
MAGELLAN MIDSTREAM PARTNERS, LP. COMMON 559080106 1,319 21,935 SH   SOLE   21,935 0 0
ALTRIA GROUP INC COMMON 02209S103 283 5,195 SH   SOLE   5,195 0 0
MERCK COMMON 58933Y105 5,483 111,017 SH   SOLE   111,017 0 0
MICROSOFT COMMON 594918104 506 11,435 SH   SOLE   11,435 0 0
NEXTERA ENERGY, INC. COMMON 65339F101 254 2,600 SH   SOLE   2,600 0 0
NEXTERA ENERGY, INC. COMMON 65339F101 690 7,070 SH   SOLE   7,070 0 0
NEWMONT MINING COMMON 651639106 414 25,760 SH   SOLE   25,760 0 0
NATIONAL FUEL GAS CO COMMON 636180101 2,856 57,150 SH   SOLE   57,150 0 0
NETFLIX INC COMMON 64110L106 702 6,800 SH   SOLE   6,800 0 0
NEWFIELD EXPLORATION COMMON 651290108 319 9,703 SH   SOLE   9,703 0 0
NEWFIELD EXPLORATION COMMON 651290108 475 14,450 SH   SOLE   14,450 0 0
NICHOLAS FINANCIAL INC COMMON 65373J209 648 49,947 SH   SOLE   49,947 0 0
ANNALY CAPITAL MANAGEMENT IN COMMON 035710409 247 25,000 SH   SOLE   25,000 0 0
NORTHROP GRUMMAN COMMON 666807102 241 1,452 SH   SOLE   1,452 0 0
NORTHROP GRUMMAN COMMON 666807102 1,516 9,133 SH   SOLE   9,133 0 0
NORTHRIM BANCORP INC COMMON 666762109 333 11,508 SH   SOLE   11,508 0 0
NESTLE SA REP RG SH ADR COMMON 641069406 628 8,344 SH   SOLE   8,344 0 0
NESTLE SA REP RG SH ADR COMMON 641069406 8,889 118,139 SH   SOLE   118,139 0 0
OHA INVESTMENT CORP COMMON 67091U102 435 102,832 SH   SOLE   102,832 0 0
OCCIDENTAL PETROLEUM COMMON 674599105 418 6,318 SH   SOLE   6,318 0 0
PLAINS ALL AMER PIPELINE COMMON 726503105 404 13,308 SH   SOLE   13,308 0 0
PLAINS ALL AMER PIPELINE COMMON 726503105 2,668 87,822 SH   SOLE   87,822 0 0
PALO ALTO NETWORKS INC COMMON 697435105 344 2,000 SH   SOLE   2,000 0 0
PATHFINDER BANCORP INC COMMON 70319R109 271 24,432 SH   SOLE   24,432 0 0
PETROLEO BRASILEIRO S.A.-ADR COMMON 71654V408 201 46,170 SH   SOLE   46,170 0 0
PETROLEO BRASILEIRO S.A.-ADR COMMON 71654V408 49 11,363 SH   SOLE   11,363 0 0
POTLATCH CORP. COMMON 737630103 573 19,886 SH   SOLE   19,886 0 0
PLUM CREEK TIMBER CO COMMON 729251108 1,477 37,382 SH   SOLE   37,382 0 0
PEPSICO COMMON 713448108 666 7,067 SH   SOLE   7,067 0 0
PFIZER COMMON 717081103 2,285 72,749 SH   SOLE   72,749 0 0
PFF BANCORP INC COMMON 69331W104 0 13,610 SH   SOLE   13,610 0 0
PROCTER & GAMBLE COMMON 742718109 1,798 24,990 SH   SOLE   24,990 0 0
PROCTER & GAMBLE COMMON 742718109 4,137 57,513 SH   SOLE   57,513 0 0
1347 PROPERTY INSURANCE HOLD COMMON 68244P107 169 23,092 SH   SOLE   23,092 0 0
QUALCOMM COMMON 747525103 3,644 67,820 SH   SOLE   67,820 0 0
ROYAL DUTCH SHELL PLC-ADR COMMON 780259107 4,719 99,392 SH   SOLE   99,392 0 0
CAN REAL ESTATE INVEST TRUST COMMON 13650J104 406 13,132 SH   SOLE   13,132 0 0
TRANSOCEAN LTD COMMON H8817H100 289 22,371 SH   SOLE   22,371 0 0
TRANSOCEAN LTD COMMON H8817H100 137 10,576 SH   SOLE   10,576 0 0
ROCKWELL AUTOMATION COMMON 773903109 1,497 14,755 SH   SOLE   14,755 0 0
RANGE RESOURCES CORP COMMON 75281A109 1,885 58,700 SH   SOLE   58,700 0 0
RAYTHEON COMMON 755111507 3,444 31,525 SH   SOLE   31,525 0 0
RAYTHEON COMMON 755111507 2,008 18,381 SH   SOLE   18,381 0 0
RAYONIER COMMON 754907103 601 27,216 SH   SOLE   27,216 0 0
SOUTHERN CAL ED PFD E PREFERRED 842400509 256 10,667 SH   SOLE   10,667 0 0
SIEMENS AG-SPONS ADR COMMON 826197501 207 2,320 SH   SOLE   2,320 0 0
SIEMENS AG-SPONS ADR COMMON 826197501 2,252 25,215 SH   SOLE   25,215 0 0
JM SMUCKER COMMON 832696405 262 2,294 SH   SOLE   2,294 0 0
SCHLUMBERGER LIMITED COMMON 806857108 1,988 28,820 SH   SOLE   28,820 0 0
SCHLUMBERGER LIMITED COMMON 806857108 8,034 116,486 SH   SOLE   116,486 0 0
SENIOR HOUSING PROP TRUST COMMON 81721M109 268 16,516 SH   SOLE   16,516 0 0
SOUTHERN COMMON 842587107 1,747 39,088 SH   SOLE   39,088 0 0
SOUTHERN COMMON 842587107 346 7,745 SH   SOLE   7,745 0 0
SOTHERLY HOTELS INC COMMON 83600C103 461 67,822 SH   SOLE   67,822 0 0
SEMPRA ENERGY COMMON 816851109 441 4,555 SH   SOLE   4,555 0 0
SOVRAN SELF STORAGE INC COMMON 84610H108 976 10,352 SH   SOLE   10,352 0 0
SKYWORKS SOLUTIONS COMMON 83088M102 379 4,500 SH   SOLE   4,500 0 0
SIZMEK INC COMMON 83013P105 136 22,682 SH   SOLE   22,682 0 0
A T & T INC. COMMON 00206R102 1,579 48,478 SH   SOLE   48,478 0 0
A T & T INC. COMMON 00206R102 790 24,258 SH   SOLE   24,258 0 0
TELEDYNE COMMON 087936010 288 3,184 SH   SOLE   3,184 0 0
TIPTREE FINANCIAL INC - A COMMON 88822Q103 309 48,248 SH   SOLE   48,248 0 0
THERMO FISHER SCIENTIFIC COMMON 883556102 673 5,503 SH   SOLE   5,503 0 0
THERMO FISHER SCIENTIFIC COMMON 883556102 5,830 47,680 SH   SOLE   47,680 0 0
TROPICANA ENTERTAINMENT INC COMMON 89708X105 351 21,695 SH   SOLE   21,695 0 0
UNDER ARMOUR INC-CLASS A COMMON 904311107 213 2,200 SH   SOLE   2,200 0 0
AMERCO COMMON 023586100 511 1,298 SH   SOLE   1,298 0 0
UNILEVER N.V. NY SHRS COMMON 904784709 2,034 50,590 SH   SOLE   50,590 0 0
UNILEVER N.V. NY SHRS COMMON 904784709 7,258 180,555 SH   SOLE   180,555 0 0
UNITED TECHNOLOGIES COMMON 913017109 574 6,455 SH   SOLE   6,455 0 0
UNITED TECHNOLOGIES COMMON 913017109 7,765 87,257 SH   SOLE   87,257 0 0
NEVADA GOLD & CASINOS INC COMMON 64126Q206 126 84,182 SH   SOLE   84,182 0 0
VALE SA-SP ADR COMMON 91912E204 207 49,314 SH   SOLE   49,314 0 0
VODAFONE GROUP PLC SP ADR COMMON 92857W308 4,661 146,845 SH   SOLE   146,845 0 0
VENTAS INC COMMON 92276F100 435 7,756 SH   SOLE   7,756 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 2,286 52,528 SH   SOLE   52,528 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 12,498 287,237 SH   SOLE   287,237 0 0
WEC ENERGY GROUP COMMON 92939U106 442 8,462 SH   SOLE   8,462 0 0
WELLS FARGO & CO. COMMON 949746101 415 8,079 SH   SOLE   8,079 0 0
WAL-MART DE MEXICO SA ADR COMMON 93114W107 237 9,600 SH   SOLE   9,600 0 0
WAL-MART STORES COMMON 931142103 5,168 79,708 SH   SOLE   79,708 0 0
WESTAR ENERGY INC. COMMON 95709T100 365 9,502 SH   SOLE   9,502 0 0
WESTAR ENERGY INC. COMMON 95709T100 9,693 252,165 SH   SOLE   252,165 0 0
AQUA AMERICA INC. COMMON 03836W103 380 14,338 SH   SOLE   14,338 0 0
EXXON MOBIL COMMON 30231G102 1,492 20,062 SH   SOLE   20,062 0 0