Exhibit 4.0



 Exhibit 4.0 
  


					
	COMMON STOCK	 	 	 	COMMON STOCK
	CERTIFICATE NO.	 	 	 	 
	 	 	 	 	SHARES

  
 BV FINANCIAL, 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 $0.01 PAR VALUE 
 PER SHARE OF BV FINANCIAL, INC. 
    
  The shares represented by this certificate are transferable only on the stock transfer books of BV Financial, 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. This certificate is not valid until countersigned and registered by the Corporation’s Transfer Agent and
Registrar. 
   
  THE SHARES ARE NOT A DEPOSIT ACCOUNT AND
ARE NOT FEDERALLY INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. 
   
 IN WITNESS WHEREOF, BV FINANCIAL, 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]


  

			
	 President and 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	 	UNIF TRF MIN ACT                  custodian (until age
             )
	 survivorship and not as tenants
	 	                                       
     (Cust)                                  
      
		
	 in common
	 	                     under Uniform Transfers
	 	 	(Minor)                                     
 
	 	 	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 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