Specimen Stock Certificate



EXHIBIT 4.1


	Number _______	Southern Security Bank Corporation	Shares ______
	 	Incorporated under the Laws of the State of
    Delaware	 
	THIS CERTIFIES THAT:	[COMMON STOCK]	CUSIP 843803 30 5
	IS THE OWNER OF	 	 
	 	 	 


FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF $.01 PAR VALUE EACH
OF

SOUTHERN SECURITY BANK CORPORATION

transferable on the books of the Corporation in person or by attorney upon
surrender of this certificate duly endorsed or
assigned.  This certificate and the shares represented hereby are subject
to the laws of the State of Delaware, and to the Certificate of Incorporation
and Bylaws of the Corporation, as now or hereafter amended.  This
certificate is not valid until countersigned by the Transfer Agent.

            WITNESS
the facsimile seal of the Corporation and the facsimile signatures of its duly
authorized officers.

	Dated:______________  

 	Countersigned:

 
	____________________________

    Harold L. Connell

    President	____________________________

    Floyd D. Harper

    Treasurer


[SEAL]

[BACK OF CERTIFICATE]

           
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

Identifying number of assignee:

___________________________

(Please print or type where name and address, including zip code, or
assignee)

 

Shares of the stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

__________________________________ 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 whatsoever.

 

THE CORPORATION WILL FURNISH TO ANY STOCKHOLDER, UPON REQUEST AND WITHOUT
CHARGE.  A FULL STATEMENT OF THE DESIGNATIONS, RELATIVE RIGHTS, PREFERENCES
AND LIMITATIONS OF THE SHARES OF EACH CLASS AND SERIES AUTHORIZED TO BE ISSUED,
SO FAR AS THE SAME HAVE BEEN DETERMINED, AND OF THE AUTHORITY, IF ANY, OF THE
BOARD TO DIVIDE THE SHARES INTO CLASSES OR SERIES AND TO DETERMINE AND CHANGE
THE RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS OF ANY CLASS OR SERIES. 
SUCH REQUEST MAY BE MADE TO THE SECRETARY OF THE CORPORATION OR TO THE TRANSFER
AGENT NAMED ON THIS CERTIFICATE.

THE SIGNATURE TO THE ASSIGNMENT MUST CORRESPOND TO THE NAME AS WRITTEN UPON
THE FACE OF THIS CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR
ENLARGEMENT OR ANY CHANGE WHATSOEVER, AND MUST BE GUARANTEED BY A COMMERCIAL
BANK OR TRUST COMPANY OR A MEMBER FIRM OF A NATIONAL OR REGIONAL OR OTHER
RECOGNIZED STOCK EXCHANGE IN CONFORMANCE WITH A SIGNATURE GUARANTEE MEDALLION
PROGRAM.