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                                                                     Exhibit 4.3

WFD                                                                CUSIP _______
COMMON STOCK                                                              SHARES



                            WESTFIELD FINANCIAL, INC.
        INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS



      This Certifies that _________________________________________ is the
  owner of ___________________________________________________________________
 fully paid and non-assessable Shares of Common Stock, par value $.01 per share,
                                       of

                            Westfield Financial, Inc.

(the "Corporation"), a Massachusetts corporation. The shares represented by this
Certificate are transferable only on the stock transfer books of the Corporation
by the holder of record hereof in person, or by his or her 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 Organization
and Bylaws 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. The shares represented by this Certificate are not
insured by the Federal Deposit Insurance Corporation or by any other government
agency. This Certificate is not valid until countersigned and registered by the
Corporation's transfer agent and registrar.

In Witness Whereof, the Corporation has caused this Certificate to be executed
by the facsimile signature of its duly authorized officers and has caused its
corporate seal to be hereunto affixed.

Dated _____________________, 2001



[Seal]          __________________________         _____________________________
                Phillip R. Smith                   Donald A. Williams
                Clerk                              Chief Executive Officer and
                                                    President

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                            Westfield Financial, Inc.

         The shares represented by this certificate are issued subject to all
the provisions of the Articles of Organization and Bylaws of Westfield
Financial, Inc. (the "Corporation") as from time to time amended (copies of
which are on file at the principal office of the Corporation), to all of which
the holder by acceptance hereof assents. The following description constitutes a
summary of certain provisions of, and is qualified in its entirety by reference
to, the Corporation's Articles of Organization.

         The Articles of Organization of the Corporation contain certain
provisions, applicable upon the consummation of the reorganization of Westfield
Mutual Holding Company ("MHC") pursuant to which the Corporation will be formed
and will acquire all of the outstanding capital stock of Westfield Bank (the
"Reorganization"), that restrict persons from directly or indirectly acquiring
or holding, or attempting to acquire or hold, the beneficial ownership of, more
than of 10% of the issued and outstanding shares of capital stock of the
Corporation entitled to vote generally in the election of directors ("Voting
Stock"), exclusive of the shares beneficially owned by the MHC. The Articles of
Organization contain a provision pursuant to which any shares held in excess of
10% of the Voting Stock of the Corporation will not be counted as shares
entitled to vote within three years following the Reorganization and thereafter
will only be counted as one hundredth (1/100) of one vote per share, exclusive
of the shares beneficially held by the MHC. In addition, the Corporation is
authorized to refuse to recognize a transfer or attempted transfer of any shares
of Voting Stock to any person who beneficially owns, or who the Corporation
believes would become by virtue of such transfer the beneficial owner of, more
than 10% of shares of the Voting Stock, exclusive of the shares beneficially
owned by the MHC. These restrictions are not applicable to underwriters in
connection with a public offering of the common stock or to acquisitions of
common stock by the Corporation, any majority-owned subsidiary of the
Corporation, or any pension, profit-sharing, stock bonus or other compensation
plan maintained by the Corporation or by a member of a controlled group of
corporations or trades or businesses of which the Corporation is a member for
the benefit of the employees of the Corporation or any subsidiary, or any trust
or custodial arrangement established in connection with any such plan.

         The Articles of Organization of the Corporation contain provisions
providing that the affirmative vote of the holders of at least 80% of the Voting
Stock of the Corporation may be required to approve certain business
combinations and other transactions with persons or their corporate affiliates
who directly or indirectly acquire or hold, or would acquire or hold after the
business combination, the beneficial ownership of in excess of 5% of the Voting
Stock of the Corporation.

         The Corporation will furnish to any stockholder upon written request
and without charge, a statement of the powers, designations, preferences and
relative, participating, optional or other special rights of each class of stock
or series thereof and the qualifications, limitations or restrictions of such
preferences and/or rights. Such request may be made to the Corporation or to its
transfer agent and registrar.

         For value received, __________________________ hereby sell(s),
assign(s) and transfer(s) unto _________________________________________________
shares of capital stock evidenced by this Certificate, and do(es) hereby
irrevocably constitute(s) and appoint(s) as Attorney, to transfer the said
shares on the books of the herein named Corporation with full power of
substitution.

Date: _________________________            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 whatsoever.