Exhibit 4.0


 


(FORM OF STOCK CERTIFICATE - FRONT SIDE)


 


	
  NUMBER

  	
  SHARES

  
	
   

  	
   

  
	
  P

  	
   

  
	
   

  	
   

  
	
  COMMON
  STOCK

  	
  COMMON STOCK

  
	
   

  	
  See reverse for certain definitions

  
	
   

  	
  CUSIP 71086E10 7

  



 


PEOPLES COMMUNITY BANCORP, INC.


 


INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND


 


 


This certifies that
                                                        
is the registered holder of:
                                    
fully paid and nonassessable shares of the Common Stock, par value $.01 per
share, of Peoples Community Bancorp, Inc., (the “Corporation”), incorporated
under the laws of the State of Maryland.


 


The shares evidenced by this Certificate are transferable only on the
books of the Corporation by the holder hereof, in person or by a duly
authorized attorney or legal representative, upon surrender of this Articles
properly endorsed.  This Certificate and
the shares represented hereby are subject to all the provisions of the
Certificate of Incorporation and Bylaws of the Corporation and any and all
amendments thereto.  The shares represented by this certificate are not
deposits or accounts and are not federally insured or guaranteed.  This Certificate is not valid unless
countersigned by the Transfer Agent and registered by the Registrar.


 


IN WITNESS WHEREOF, the Corporation has caused this Certificate to be
executed by the facsimile signatures of its duly authorized officers and has
caused its facsimile seal to be affixed hereto.


 


Dated:


 


 


	
  /s/
  John Rathkamp

  	
    (SEAL)

  	
  /s/
  Jerry D. Williams

  	
   

  
	
  Secretary

  	
   

  	
  President
  and Chief Executive Officer

  



 

















 


(FORM OF STOCK CERTIFICATE - BACK SIDE)


 


The Corporation is authorized to issue more than one class of stock,
including a class of preferred stock which may be issued in one or more
series.  The Corporation will furnish to
any stockholder, upon written request and without charge, a full statement of
the designations, preferences, limitations and relative rights of the shares of
each class authorized to be issued and, with respect to the issuance of any
preferred stock to be issued in series, the relative rights, preferences and
limitations between the shares of each series so far as the rights, preferences
and limitations have been fixed and determined and the authority of the Board
of Directors to fix and determine the relative rights, preferences and
limitations of subsequent 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           

  
	
  TEN
  ENT

  	
  -
  as tenants by the entireties

  	
   

  	
  (Cust)

  	
  (Minor)

  
	
  JT
  TEN

  	
  -
  as joint tenants with right of

  survivorship and not

  as tenants in common

  	
  under Uniform Gifts 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

TAXPAYER IDENTIFYING NUMBER OF ASSIGNEE


 


 


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


 


 


shares
of Common Stock represented by this Certificate, and do hereby irrevocably
constitute and appoint


 


as
Attorney, to transfer the said shares on the books of the within named
Corporation, with full power of substitution.


 


	
  Dated

  	
   

  	
   

  	
   

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  Signature

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  Signature

  



 


NOTICE:  The signature(s) to this
assignment must correspond with the name(s) as written upon the face of this
Certificate in every particular, without alteration or enlargement, or any
change whatever.  The signature(s)
should be guaranteed by an eligible guarantor institution (bank, stockbroker,
savings and loan association or credit union) with membership in an approved
signature medallion program, pursuant to S.E.C. Rule 17Ad-15.


 


KEEP THIS CERTIFICATE IN A SAFE PLACE.  IF IT IS LOST, STOLEN, MUTILATED OR
DESTROYED THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO
THE ISSUANCE OF A REPLACEMENT CERTIFICATE.