Exhibit 4.1  COMMON STOCK
  [LOGO] INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE [LOGO] FINANCIAL
  CORP. COMMON STOCK [LOGO] SEE REVERSE FOR CERTAIN DEFINITIONS CUSIP 404172 10
  8 THIS CERTIFIES that SPECIMEN is the owner of FULLY PAID AND NONASSESSABLE
  SHARES OF COMMON STOCK, PAR VALUE $.01 PER SHARE OF HF FINANCIAL CORP. (the
  Corporation), a Delaware corporation. The shares represented by this
  certificate are transferable only on the stock transfer books of the
  Corporation 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 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 signatures of its duly authorized officers and has caused a
  facsimile of its corporate seal to be hereunto affixed. COUNTERSIGNED AND
  REGISTERED. CHASEMELLON SHAREHOLDER SERVICES, L.L.C. TRANSFER AGENT AND
  REGISTRAR BY AUTHORIZED SIGNATURE DATED SECRETARY [SEAL] PRESIDENT AND CHIEF
  EXECUTIVE OFFICER SECURITY COLUMBIAN UNITED STATES BANKNOTE COMPANY 960


[LOGO] FINANCIAL CORP. The shares represented by this
  certificate are issued subject to all the provisions of the certificate of
  incorporation and bylaws of HF Financial Corp. (the Corporation) as from
  time to time amended (copies of which are on file at the principal executive
  offices of the Corporation). The Corporations certificate of incorporation
  provides that no person (as defined in the certificate of incorporation)
  who beneficially owns (as defined in the certificate of incorporation) in excess
  of 10% of the outstanding shares of the Corporation shall be entitled to vote
  any shares held in excess of such limit. This provision of the certificate of
  incorporation shall not apply to an acquisition of securities of the
  Corporation by an employee stock purchase plan or other employee benefit plan
  of the Corporation or any of its subsidiaries. The Corporations certificate
  of incorporation also includes a provision the general effect of which is to
  require the affirmative vote of the holders of 662/3% of the outstanding
  voting shares of the Corporation to approve certain business combinations (as
  defined in the certificate of incorporation) between the Corporation and a
  10% or more stockholder. However, only the affirmative vote of a majority of the
  outstanding shares or such vote as is otherwise required by law (rather than
  the 662/3% voting requirement) is applicable to the particular transaction if
  it is approved by a majority of the disinterested directors (as defined in
  the certificate of incorporation) or, alternatively, the transaction
  satisfies certain minimum price and procedural requirements. The Corporation
  will furnish to any stockholder upon request and without charge a full
  statement of the powers, designations, preferences and relative
  participating, optional or other special rights of each authorized class of
  stock or series thereof and the qualifications, limitations or restrictions
  of such preferences and/or rights, to the extent that the same have been
  fixed, and of the authority of the board of directors to designate the same
  with respect to other series. Such request may be made to the Corporation or
  to its transfer agent and registrar. 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 TEN ENT  as
  tenants by the entireties (Cust) JT TEN  as joint tenants with right of
  Under Uniform Gift to Minors survivorship and not as tenants Act  in common
  (State) UNIF TRANS MIN ACT Custodian (Cust) (Minor) Under Uniform Transfers
  to Minors Act  (State) Additional abbreviations may also be used though not
  in the above list. For Value Received, PLEASE INSERT SOCIAL SECURITY OR OTHER
  IDENTIFYING NUMBER OF ASSIGNEE hereby sell, assign and transfer unto (PLEASE
  PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE) Shares
  of Common Stock represented by the within certificate, and do hereby irrevocably
  constitute and appoint Attorney to transfer the said shares 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. This certificate also
  evidences and entitles the holder hereof to certain rights as set forth in a
  Rights Agreement between HF Financial Corp. and ChaseMellon Shareholder
  Services, L.L.C., dated as of October 23, 1996, as the same may be amended
  from time to time (the Rights Agreement), the terms of which are hereby
  incorporated herein by reference and a copy of which is on file at the
  principal executive offices of HF Financial Corp. Under certain
  circumstances, as set forth in the Rights Agreement, the Rights described
  therein will be evidenced by separate certificates and will no longer be
  evidenced by this certificate. HF Financial Corp. will mail to the holder of
  this certificate a copy of the Rights Agreement without charge after receipt
  of a written request therefor. As described in the Rights Agreement, Rights
  issued to any Person who becomes an Acquiring Person (as those terms are
  defined in the Rights Agreement) shall become null and void. The Rights shall
  not be exercisable by a holder in any jurisdiction where the requisite
  qualification to the issuance to such holder of the Rights, or the exercise
  by such holder of the Rights in such jurisdiction, shall not have been
  obtained or obtainable. Custodian (Minor)