EXHIBIT 4.1



 Exhibit 4.1 
  

			
	 COMMON STOCK
	  	COMMON STOCK
	 PAR VALUE $.01
	  	SEE REVERSE FOR CERTAIN DEFINITIONS
		  	CUSIP

 NEWPORT BANCORP, INC. 
 INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND 
 THIS
CERTIFIES THAT 
 S P E C I M E N 
 is the owner
of: 
 FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK, $.01 PAR VALUE PER SHARE, OF 
 NEWPORT BANCORP, INC. 
 The shares represented by this
certificate are transferable only on the stock transfer books of the Corporation 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 Articles of Incorporation of the Corporation and any amendments thereto (copies of which are on file with the Transfer Agent), to all of which
provisions the holder by acceptance hereof, assents. 
 This certificate is not valid unless countersigned and registered by the Transfer
Agent and Registrar. The shares represented by this Certificate are not insured by the Federal Deposit Insurance Corporation or any other government agency. 
 IN WITNESS THEREOF, Newport Bancorp, Inc. has caused this certificate to be executed by the facsimile signatures of its duly authorized officers and has caused a facsimile of its corporate seal to be hereunto affixed.

  

							
	 Dated:
	  		  	[SEAL]	  	
		  	President	  		  	Secretary








 Newport Bancorp, Inc. 
 The shares represented by this certificate are subject to a limitation contained in the Articles of Incorporation to the effect that in no event shall
any record owner of any outstanding common stock which is beneficially owned, directly or indirectly, by a person who beneficially owns in excess of 10% of the outstanding shares of common stock (the “Limit”) be entitled or permitted to
any vote in respect of shares held in excess of the Limit. 
 The Board of Directors of the Corporation is authorized by resolution(s), from
time to time adopted, to provide for the issuance of serial preferred stock in series and to fix and state the voting powers, designations, preferences and relative, participating, optional, or other special rights of the shares of each such series
and the qualifications, limitations and restrictions thereof. The Corporation will furnish to any shareholder upon request and without charge a full description of each class of stock and any series thereof. 
 The shares represented by this certificate may not be cumulatively voted on any matter. The affirmative vote of the holders of at least 80% of the voting
stock of the Corporation, voting together as a single class, shall be required to approve certain business combinations and other transactions, pursuant to the Articles of Incorporation or to amend certain provisions of the Articles of
Incorporation. 
 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	  	UNIF TRF MIN ACT -	  	__________ custodian (until age ___)
		  	of survivorship and not as	  		  	__________ under Uniform Transfers
		  	tenants in common	  		  	to Minors Act ___________________
		  		  		  	                                    (State)

 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 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 ________________________
	  	  
		  	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