Exhibit 4.1  COMMON
  STOCK
  
  COMMON
  STOCKPAR VALUE $0.001
  
  THIS CERTIFICATE IS
  TRANSFERABLE INCANTON, MA, JERSEY
  CITY, NJ AND GOLDEN, COCertificate
  
  SharesNumber
  
  **
  600620******ZQ 000000
  
  ***
  600620*********
  600620********* 600620*********
  600620**
  CENTENNIAL BANK HOLDINGS, INC. INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE  THIS
  CERTIFIES THAT
  
  MR. SAMPLE & MRS. SAMPLE &
  
  CUSIP
  151345 30 3MR. SAMPLE & MRS. SAMPLE
  
  SEE
  REVERSE FOR CERTAIN DEFINITIONSis
  the owner of
  
  ***SIX HUNDRED THOUSANDSIX HUNDRED AND TWENTY***  FULLY PAID AND NON-ASSESSABLE COMMON SHARES, $0.001 PAR VALUE PER SHARE
OF  Centennial
Bank Holdings, Inc.transferable on the books of the Company by the
holder hereof in person, or by duly
authorized attorney upon surrender of this Certificate properly endorsed. This
Certificate is not valid until countersigned
by the Transfer Agent and registered by the Registrar.  Witnessthe facsimile
seal of the Company and the facsimile signatures of its duly authorized
officers.  DATED
  <<Month Day, Year>>CENTENNIAL BANK
  
  COUNTERSIGNED
  AND REGISTERED:/s/
  DANIEL M. QUINN
  
  HOLDINGS, INC.
  
  COMPUTERSHARE
  TRUST COMPANY, N.A.President and Chief Executive Officer
  
  SEAL
  
  TRANSFER
  AGENT AND REGISTRAR,2004Delaware/s/
  ZSOLT K. BESSKOSecretary
  
  
  
  ByAUTHORIZED SIGNATURE 1234567
  CUSIP
  
  XXXXXX
  XX XHolder ID
  
  XXXXXXXXXXCentennial Bank Holdings, Inc.
  
  Insurance Value
  
  1,000,000.00Number of Shares
  
  123456DTC
  12345678
  123456789012345PO BOX 43004, Providence,
  RI 02940-3004Certificate Numbers
  
  Num/No.
  
  Denom.
  
  TotalMR
  A SAMPLE
  
  1234567890/1234567890
  
  1
  
  1
  
  1DESIGNATION
  (IF ANY)
  
  1234567890/1234567890
  
  2
  
  2
  
  2ADD
  1
  
  1234567890/1234567890
  
  3
  
  3
  
  3ADD
  2
  
  1234567890/1234567890
  
  4
  
  4
  
  4ADD
  3
  
  1234567890/1234567890
  
  5
  
  5
  
  5ADD
  4
  
  1234567890/1234567890
  
  6
  
  6
  
  6Total
  Transaction
  
  
  
  
  
  7


CENTENNIAL
BANK HOLDINGS, INC.  The
  following abbreviations, when used in the inscription on the face of this
  certificate, shall be construed as though they were written out in full according
  to applicable laws or regulations:TEN
  COM
  
  -
  as tenants in common
  
  UNIF GIFT MIN ACT-  Custodian
  (Cust)                                      (Minor)TEN
  ENT
  
  -
  as tenants by the entireties
  
  
  under Uniform Gifts to Minors Act                                                                             (State)JT
  TEN
  
  - as joint tenants with right of survivorship
  and not as tenants in common
  
  UNIF TRF MIN ACT-  Custodian
  (until age       )                                              (Cust)                                                (Minor)under Uniform Transfers to
  Minors Act                                                                            (State)Additional
  abbreviations may also be used though not in the above list.  PLEASE
  INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEEFor
  value received, ____________________________hereby sell, assign and transfer
  unto(PLEASE
  PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL ZIP CODE, OF ASSIGNEE)Sharesof
  the Common Stock represented by the within Certificate, and do hereby
  irrevocably constitute and appointAttorneyto
  transfer the said stock on the books of the within named Corporation with full
  power of substitution in the premises.Dated:
  
  20
  
  
  Signature(s) Guaranteed: Medallion Guarantee Stamp
  THE
  SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION
  (Banks, Stockbrokers, Savings and Loan Associations and Credit Unions) WITH
  MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM, PURSUANT TO
  S.E.C. RULE 17Ad-15.Signature:Signature:Notice: The signature to
  this assignment must correspond with the name as written upon the face of the
  certificate, in every particular, without alteration or enlargement, or any
  change whatever.