Exhibit 4.0



 Exhibit 4.0 

(FORM OF STOCK CERTIFICATE - FRONT SIDE) 
  

			
	NUMBER	 	SHARES
		
		 	CUSIP                     
	 COMMON STOCK
 (Par Value $.01 Per
Share)
	 	 See reverse for

certain definitions


 HV BANCORP, INC. 

A Pennsylvania Corporation 

This certifies that                     
is the registered holder of                      fully paid and non-assessable shares of the Common Stock, par value $.01 per share, of HV Bancorp,
Inc., Huntingdon, Pennsylvania (the “Corporation”). 
 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 Certificate properly endorsed. This Certificate and the shares represented hereby are subject to all the provisions
of the Articles of Incorporation and Bylaws of the Corporation and any and all amendments thereto. The shares represented by this certificate are not deposits or accounts, are not federally insured or guaranteed and are not insured by HV Oak
Bancorp, Inc. 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: 
  

							
	  
	  	(SEAL)	  		  	  

	Corporate Secretary	  		  		  	Travis J. Thompson
		  		  		  	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 and preferences between the shares of each series so far as the rights and preferences have been fixed and determined and the authority of the Board of
Directors to fix and determine the relative rights and preferences of subsequent series. 
 The Articles of Incorporation of the Corporation
includes a provision which generally prohibits any person (including an individual, company or group acting in concert) from directly or indirectly offering to acquire or acquiring the beneficial ownership of more than 10% of any class of equity
securities of the Corporation. In the event that stock is acquired in violation of this 10% limitation, the excess shares will no longer be counted in determining the total number of outstanding shares for purposes of any matter involving
stockholder action and the Board of Directors of the Corporation may cause such excess shares to be transferred to an independent trustee for sale in the open market or otherwise, with the expenses of such sale to be paid out of the proceeds of the
sale. 







 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
			
	TEN ENT	  	-	  	as tenants by the entireties
			
	JT TEN	  	-	  	as joint tenants with right of survivorship and not as tenants in common

  

							
	UNIF GIFT MIN ACT	  	  
	  	Custodian	  	  

		  	(Cust)	  		  	(Minor)

  

					
	under Uniform Gifts to Minors Act	  	  

		  	(State)
			
	UNIF TRF MIN ACT	  	  
	  	Custodian (until age     )
		  	(Cust)	  	

  

					
	  
	  	Under Uniform Transfers to Minors Act	  	  

	(Minor)	  		  	(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 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                  ,
         
  

			
		  	  

	NOTICE:	  	THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION, ENLARGEMENT OR ANY CHANGE WHATSOEVER.

 Signature(s) Guaranteed 








			
	By	 	  

	THE SIGNATURES(S) 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 17 AD-15.