[GRAPHIC-REPRESENTATION OF CCBT FINANCIAL COMPANIES, INC. STOCK CERTIFICATE]

                        CCBT FINANCIAL COMPANIES, INC.

                  INCORPORATED UNDER THE LAWS OF MASSACHUSETTS


                                                               CUSIP 12500Q 10 2

This is to certify that







is the holder of


                      Shares of the Common Capital Stock of
                         CCBT Financial Companies, Inc.


transferable  only on the books of the Company by  assignment  in writing by the
holder of  record  hereof or his legal  representative  upon  surrender  of this
certificate.

         This certificate and the shares represented hereby are issued and shall
be held  subject to all the  provisions  of the  Articles of  Organizations  and
By-laws of the Company as heretofore or hereafter amended,  and the par value of
the shares  represented  hereby is and shall be as set forth in said Articles so
amended,  to  all of  which  the  holder  by  acceptance  hereof  assents.  This
certificate  is not valid unless  countersigned  and  registered by the Transfer
Agent and Registrar.

         IN WITNESS  WHEREOF  CCBT  Financial  Companies,  Inc.  has caused this
certificate to be signed by its duly authorized  officers and its corporate seal
to be hereto affixed.



/s/Noal D. Reid                                          /s/Stephen B. Lawson
-------------------                                      -----------------------
Noal D. Reid                                             Stephen B. Lawson

TREASURER                     [GRAPHIC-LOGO]                           PRESIDENT



                                                            AUTHORIZED SIGNATURE

                                                    TRANSFER AGENT AND REGISTRAR

                    COUNTERSIGNED AND REGISTERED: REGISTRAR AND TRANSFER COMPANY

<PAGE>

                             EXHIBIT 4.1 CONTINUED


For value received, _____________hereby sell, assign transfer unto
PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE
[                       ]
________________________________________________________________________________

________________________________________________________________________________
PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL 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 Bank
full power of substitution in the premises.

Dated________________________
                              ____________________________________________

In Presence of

___________________

         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.

                                       2