Exhibit 4.1


 


INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH
OF MASSACHUSETTS


 


	 

        No.
	
         

        PROVIDENT
        BANCORP, INC.

         
	 

        Shares




	 	CUSIP:  	 


 


FULLY
PAID AND NON-ASSESSABLE


NO PAR VALUE PER SHARE


 


THE SHARES REPRESENTED BY THIS


CERTIFICATE ARE SUBJECT TO


RESTRICTIONS, SEE REVERSE SIDE


 


	THIS CERTIFIES that	is the owner of


 


SHARES OF COMMON STOCK


of


Provident Bancorp, Inc.


a Massachusetts corporation


 


The shares evidenced by
this certificate are transferable only on the books of Provident Bancorp, Inc. by the holder hereof, in person or by attorney,
upon surrender of this certificate properly endorsed. The
capital stock evidenced hereby is not an account of an insurable type and is not insured by the Federal Deposit Insurance Corporation
or any other Federal or state governmental agency.


 


IN WITNESS WHEREOF, Provident
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 seal to be hereunto affixed.


 


	By:	 	[SEAL]	By:	 
	 	CAROL L. HOULE	 	 	DAVID P. MANSFIELD
	 	TREASURER	 	 	PRESIDENT AND CHIEF EXECUTIVE
	 	 	 	 	OFFICER


 




    	 



    	 



    

 


The Board of Directors
of Provident Bancorp, Inc. (the “Company”) is authorized by resolution or resolutions, from time to time adopted, to
provide for the issuance of more than one class of stock, including preferred stock in series, and to fix and state the rights,
preferences and limitations applicable to each class and series. The Company will furnish to any shareholder upon request in writing
and without charge a full description of the rights, preferences and limitations applicable to each class and series.


 


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
	JT TEN     	- as joint tenants with right	 	 
	 	  of survivorship and not as	 	 
	 	  tenants in common	 	(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 NUMBER OR OTHER
IDENTIFYING NUMBER


 


	
         

         
	 


 


 



(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 shares on the books of the within named corporation with full power of substitution in the premises.


 


Dated,                                        


 


	In the presence of	 	Signature:
	 	 	 
	 	 	 


 


NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST
CORRESPOND WITH THE NAME OF THE SHAREHOLDER(S) AS WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR, WITHOUT ALTERATION
OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.