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                                   EXHIBIT 4.3

                           SPECIMEN STOCK CERTIFICATE


                                  COMMON STOCK

                              CAPITAL BANCORP, INC.

         SEE REVERSE FOR
         CERTAIN DEFINITIONS

              INCORPORATED UNDER THE LAWS OF THE STATE OF TENNESSEE
         CUSIP ___________

         This Certifies that


         is the owner of

FULLY-PAID AND NON-ASSESSABLE SHARES EACH OF $4.00 PAR VALUE OF THE COMMON STOCK
OF CAPITAL BANCORP, INC.

transferable on the books of the Corporation in person or by duly authorized
attorney upon surrender of this Certificate properly endorsed. The Shares
represented hereby are issued and shall be held subject to all of the provisions
of the Charter and amendments thereto, to all of which the holder by acceptance
hereof assents. This Certificate is not valid until countersigned by the
Transfer Agent and registered by the Registrar.

         Witness the facsimile signatures of the Corporation's duly authorized
officers.

Dated

         /s/ H. E. Jackson, III               /s/ R. Rick Hart
         ----------------------               ------------------------------
         Secretary                            Chairman of the Board




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                              CAPITAL BANCORP, INC.

         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 tenant in common              UNIF GIFT MIN ACT - Custodian
TEN ENT - as tenants by the entireties                  (Cust)   (Minor)
JT TEN  - as joint tenants with right      under Uniform Gifts to Minors Act
          of survivorship and not as                                     (State)
          tenants in common

         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 TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE OF
ASSIGNEE

________________________ shares of the capital stock represented by the within
Certificate, and do hereby irrevocably constitute and appoint

         Attorney

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 WHATEVER.

         SIGNATURE(S) GUARANTEED

THE SIGNATURES 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.

         The Corporation is authorized to issue different classes of shares and
different series within a class. The Corporation will furnish to the holder of
this certificate a full statement of the designations, relative rights,
preferences and limitations applicable to each class and the variations in
rights, preferences and limitations determined for any series (and the authority
of the Board of Directors to determine variations for future series) on request
in writing and without charge.