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
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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. COM 37833100 3,101 32,434 SH   OTR   0 0 32,434
Banco Santander COM 05964H105 681 173,707 SH   OTR   0 0 173,707
Bank of America COM 60505104 284 21,420 SH   OTR   0 0 21,420
BB&T Corp COM 54937107 377 10,597 SH   OTR   0 0 10,597
Berkshire Hathaway Inc. C COM 84670702 308 2,125 SH   OTR 1 0 0 2,125
Berkshire Hills Bancorp I COM 84680107 832 30,908 SH   OTR   0 0 30,908
Chevron Texaco Corporatio COM 166764100 272 2,595 SH   OTR   0 0 2,595
Dow Diamonds - SPDR Dow J ETF 78467X109 3,944 22,037 SH   SOLE   0 0 22,037
Exxon Mobil Corp. COM 30231G102 1,019 10,867 SH   OTR   0 0 10,867
Facebook, Inc COM 30303M102 217 1,900 SH   OTR   0 0 1,900
Financial Select Sector ETF 81369Y605 389 17,000 SH   SOLE   0 0 17,000
General Electric Co. COM 369604103 765 24,317 SH   OTR   0 0 24,317
Goldman, Sachs & Co. COM 38141G104 639 4,300 SH   OTR   0 0 4,300
Hershey Foods Corp COM 427866108 758 6,681 SH   OTR   0 0 6,681
Implant Sciences COM 45320R108 10 20,000 SH   OTR   0 0 20,000
iShares US Preferred Stoc ETF 464288687 2,290 57,405 SH   SOLE   0 0 57,405
J.P. Morgan Chase EQUITIES 46625H100 202 3,258 SH   OTR   0 0 3,258
Microsoft Corp COM 594918104 336 6,568 SH   OTR   0 0 6,568
MSCI EAFE Index ETF 464287465 471 8,430 SH   SOLE   0 0 8,430
NASDAQ 100 Trust ETF 73935A104 367 3,410 SH   SOLE   0 0 3,410
Nestle SA ADR COM 641069406 255 3,300 SH   OTR 1 0 0 3,300
Paycom Software Inc COM 70432V102 3,686 85,315 SH   OTR   0 0 85,315
Phillip Morris Internatio COM 718172109 240 2,360 SH   OTR 1 0 0 2,360
Rite Aid Corporation COM 767754104 752 100,335 SH   OTR   0 0 100,335
Royal Dutch Shell PLC COM 780259206 346 6,259 SH   OTR   0 0 6,259
S&P 500 Spiders ETF 78462F103 6,224 29,719 SH   SOLE   0 0 29,719
Short S&P 500 ProShares ETF SHORT 74347R503 1,827 46,061 SH   SOLE   0 0 46,061
Streettracks Gold Shares ETF 78463V107 1,978 15,640 SH   SOLE   0 0 15,640
TOMI Environmental Soluti COM 890023104 22 50,000 SH   OTR   0 0 50,000
Ultrashort S&P 500 Prosha ETF SHORT 74347B300 792 44,475 SH   SOLE   0 0 44,475
Unilever NV-NY shares COM 904784709 139 2,950 SH   OTR 1 0 0 2,950
Unilever NV-NY shares COM 904784709 149 3,189 SH   OTR   0 0 3,189
Vanguard Dividend Appreci ETF 921908844 423 5,085 SH   SOLE   0 0 5,085
Vanguard European Stock ETF 922042874 2,151 46,097 SH   SOLE   0 0 46,097
Vanguard Growth Vipers ETF 922908736 770 7,184 SH   SOLE   0 0 7,184
Vanguard Value ETF 922908744 1,170 13,762 SH   SOLE   0 0 13,762
Walt Disney (Holding Comp COM 254687106 219 2,241 SH   OTR   0 0 2,241
Wells Fargo & Co. COM 949746101 151 3,195 SH   OTR 1 0 0 3,195
Wells Fargo & Co. COM 949746101 145 3,061 SH   OTR   0 0 3,061