Exhibit 4.1
[FRONT]
[CERTIFICATE WITH ENGRAVED BORDERS]

NUMBER                        SOUTHERN SECURITY BANK                     SHARES
 SSB                               CORPORATION


     INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE        SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

                                   CLASS - A COMMON STOCK   CUSIP  843803 10 7

This Certifies That:

is owner of

FULLY PAID AND NON-ASSESSABLE SHARES OF CLASS - A 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 By-laws 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:
                                         Olde Monmouth Stock Transfer Co., Inc.
                                         77 Memorial Parkway, Suite 101
                                         Atlanta Highlands, NJ 07716
                                         Transfer Agent


                                         By:
                         [SEAL]                        Authorized Signature

s/ James L. Wilson                        s/ Philip C. Modder
James L. Wilson                           Philip C. Modder, Treasurer
Chief Executive Officer                   Chairman of the Board

[BACK]

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 of regulations:

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

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 (Please print or typewrite name and address, including zip code, of Assignee)
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_______________________________________________________________________Shares of
the 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
                              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.

STOCK MARKET INFORMATION EXCHANGE       COLUMBIA FINANCIAL PRINTING CO.
                                        P.O. BOX 215
                                        BETHPAGE, NY 11714