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Exhibit 4.0    
    


 
 

(FORM OF STOCK CERTIFICATE—FRONT SIDE)    
    



	NUMBER	 	SHARES
	

COMMON STOCK	
 	

CUSIP
	(Par Value $.01 Per Share)	 	See reverse for certain definitions




LYDIAN TRUST COMPANY



Incorporated Under the Laws of the State of Florida  


        This certifies that ___________________________________________________________________________ _________ is the registered holder of ________________________
fully paid and non-assessable shares of the Common Stock, par value $.01 per share, of Lydian Trust Company. 


        The
shares evidenced by this Certificate are transferable 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. This Certificate is not valid unless
countersigned and registered by the 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 its facsimile seal to be affixed hereto. 


Dated:




	

 	
(SEAL)	

 
	
	 	

	Stephen C. Wilhoit

Secretary	 	Rory A. Brown

Chairman 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
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	
 	

 	
 	

under
	 	 	 	
	 	 	 	
	 	 
	 	 	 	(Minor)	 	 	 	(Cust)	 	 





       

    



	    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 


PLEASE
INSERT SOCIAL SECURITY OR OTHER

TAXPAYER IDENTIFYING NUMBER OF ASSIGNEE 


________________________________________________






________________________________________________



unto
____________________________________________________________________________ 


PLEASE
PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL 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	
	 	 
	 	 	 	
 Signature
	

 	

 	
 	

 Signature





Notice:
The signature(s) to this assignment must correspond with the name(s) written upon the face of this Certificate in every particular, without alteration or any change whatsoever. 









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Exhibit 4.0


(FORM OF STOCK CERTIFICATE—FRONT SIDE)


(FORM OF STOCK CERTIFICATE—BACK SIDE)