Exhibit 4.1


    
      

    

     

    Exhibit
      4.1

    
 

    
      	
              COMMON
                STOCK

            	
              COMMON
                STOCK

            
	
              CERTIFICATE
                NO. 

            	
              SHARES
                

            


    

     

    BENEFICIAL
      MUTUAL
      BANCORP, INC.

    ORGANIZED
      UNDER THE LAWS OF THE UNITED STATES

     

    THIS
      CERTIFIES THAT                             SPECIMEN

    


    is
      the
      owner of:      

     

    FULLY
      PAID AND NONASSESSABLE SHARES OF COMMON STOCK $1.00 PAR
      VALUE

    PER
      SHARE OF BENEFICIAL
      MUTUAL
      BANCORP, INC.

    a
      subsidiary stock holding company organized under the laws of the United
      States.

    


    The
      shares represented by this certificate are transferable only on the stock
      transfer books of Delanco Bancorp, Inc. (the “Company”) by the holder of record
      hereof, or by his duly authorized attorney or legal representative, upon the
      surrender of this certificate properly endorsed. This certificate and the shares
      represented hereby are issued and shall be held subject to all the provisions
      of
      the Charter of the Company and any amendments thereto (copies of which are
      on
      file with the Corporate Secretary of the Company), to all of which provisions
      the holder by acceptance hereof, assents. The shares evidenced by this
      certificate are not of an insurable type and are not insured by the Federal
      Deposit Insurance Corporation.

    


    IN
      WITNESS WHEREOF, BENEFICIAL
      MUTUAL
      BANCORP, INC.
      has
      caused this certificate to be executed by the signatures of its duly authorized
      officers and has caused its corporate seal to be hereunto affixed.

    


    Dated:
      ______________                       [SEAL]

     

    
      	
              ________________________

            	
              ___________________________

            
	
              Chief
                Executive Officer

            	
              Corporate
                Secretary

            


    

    


     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    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
                GIFTS 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

            


    

    


    Additional
      abbreviations may also be used though not in the above list.

    


    For
      value
      received __________ hereby sell, assign and transfer unto

    


    PLEASE
      INSERT SOCIAL SECURITY OR OTHER IDENTIFICATION NUMBER OF
      ASSIGNEE

    


    
      __________________________________________________________________________________________________________________________

    

    Please
      print or typewrite name and address including postal zip code of
      assignee.

     

    __________________________________________________
      shares of the common stock represented by this certificate and do hereby
      irrevocably constitute and appoint
      ____________________________________________________________________________,
      attorney, to transfer the said stock on the books of the within-named bank
      with
      full power of substitution in the premises.

     

    
      	
              DATED
                ___________________

            	 
	 	
              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.

            


    

     

    
      	
              SIGNATURE
                GUARANTEED:

            	 
	 	
              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