Exhibit 4
                                                                       SHARES
Number                                                              Common Stock


                         COMMUNITY FIRST BANCORPORATION

           INCORPORATED UNDER THE LAWS OF THE STATE OF SOUTH CAROLINA
                                                               CUSIP 203916 10 1
This is to certify that                    (SEE REVERSE FOR CERTAIN DEFINITIONS)





is the owner of
      FULLY PAID AND NON-ASSESSABLE OF COMMON STOCK SHARES, NO PAR VALUE OF

                         COMMUNITY FIRST BANCORPORATION


transferable on the books of the Corporation by the holder hereof,  in person or
by  duly  authorized  attorney  upon  surrender  of  this  Certificate  properly
endorsed.


Witness the facsimile  seal of the  Corporation  and the  signatures of its duly
authorized officers.

Dated:

COMMUNITY FIRST
BANCORPORATION    ------------------       -------------------------------------
  CORPORATE          Secretary             President and Chief Executive Officer
    SEAL
    1997
SOUTH CAROLINA

                                        1

<PAGE>
                         COMMUNITY FIRST BANCORPORATION
<TABLE>
<CAPTION>
     Where abbreviations are used -
<S>               <C>      <C>                                   <C>
     TEN COM      means    as tenants in common                  CUST -- UNIF
     TEN  ENT      "       as  tenants  by the  entireties       GIFT  MIN ACT --  means  as custodian  for  (minor)
     JT TEN        "       as joint  tenants  with right of      under Uniform Gifts to Minors Act
                           survivorship and not as tenants       of (state)
                           in common                               Additional abbreviations may also be used.
</TABLE>

  For value received, __________________ hereby sell, assign and transfer unto
<TABLE>
<CAPTION>

PLEASE PRINT OR TYPE NAME AND ADDRESS OF ASSIGNEE                            PLEASE INSERT SOCIAL SECURITY OR OTHER
Name                                                                             IDENTIFYING NUMBER OF ASSIGNEE

--------------------------------------------------------------------------------------------------------------------
Street
                                                                                                          SHARES
--------------------------------------------------------------------------------------------------------------------
City, State and Zip Code

---------------------------------------------------------------------------------------------------------------------
PLEASE PRINT OR TYPE NAME AND ADDRESS OF ASSIGNEE                            PLEASE INSERT SOCIAL SECURITY OR OTHER
Name                                                                             IDENTIFYING NUMBER OF ASSIGNEE

--------------------------------------------------------------------------------------------------------------------
Street
                                                                                                          SHARES
--------------------------------------------------------------------------------------------------------------------
City, State and Zip Code

---------------------------------------------------------------------------------------------------------------------
PLEASE PRINT OR TYPE NAME AND ADDRESS OF ASSIGNEE                            PLEASE INSERT SOCIAL SECURITY OR OTHER
Name                                                                             IDENTIFYING NUMBER OF ASSIGNEE

--------------------------------------------------------------------------------------------------------------------
Street
                                                                                                          SHARES
--------------------------------------------------------------------------------------------------------------------
<S>                                                                              <C>
City, State and Zip Code

-------------------------------------------------------------------------------  ------------------------------------
</TABLE>

of the  capital  stock  represented  by the  within  Certificate  and do  hereby
irrevocably  constitute  and appoint  Attorney to transfer the said stock on the
books of the  within-named  Corporation  with full power of  substitution in the
premises.

Dated:

Signature(s) guaranteed by:           ------------------------------------------
                                                Owner

                                      ------------------------------------------
                                      Signature of Co-Owner, if any

                    (THE  SIGNATURE(S)  TO THIS  ASSIGNMENT MUST CORRESPOND WITH
                    THE NAME AS WRITTEN  UPON THE FACE OF THIS  CERTIFICATE,  IN
                    EVERY PARTICULAR.)

THE SIGNATURE GUARANTEE MUST BE WITHOUT RESTRICTION, CONDITION OR QUALIFICATION.

The Corporation will furnish to any shareholder upon request and without charge,
a full statement of the  designations,  preferences,  limitations,  and relative
rights  of the  shares  of  each  class  authorized  to be  issued  and,  if the
Corporation is authorized to issue any preferred or special class in series, the
variations  in the relative  rights,  preferences  and  limitations  between the
shares or each such  series so far as the same have been  fixed and  determined,
and the  authority of the board of directors to fix and  determine  the relative
rights and preferences of other series.

                                        2