SPECIMEN COMMON STOCK CERTIFICATE



 Exhibit 4.1 
  


			
	COMMON STOCK	 	COMMON STOCK
		
	NUMBER	 	SHARES
	
	Southern Connecticut Bancorp, Inc.
		
	INCORPORATED UNDER THE LAWS OF THE STATE OF CONNECTICUT NOVEMBER 8, 2000	 	 SEE REVERSE FOR CERTAIN DEFINITIONS
 CUSIP    84264A  10  2

	
	 This Certifies that
  
  
  
  
  
  
  
  
  
  
  
  
  
 is the owner of
  
 FULLY PAID SHARES OF THE COMMON STOCK, PAR VALUE OF $0.01 EACH OF,
  
 Southern Connecticut Bancorp, Inc.
  


 transferable only on the books of the Corporation by the holder hereof in person or by duly authorized attorney,
upon the surrender of this certificate properly endorsed. This certificate is not valid unless countersigned by the transfer agent and registered by the registrar. Witness the facsimile seal of the corporation and the facsimile signatures of its
duly authorized officers. 
  

			
	
	 Dated:
 [Seal Appears
Here]

		
	[Signature]	 	[Signature]
		
	Secretary	 	Chairman and Chief Executive Officer

  
  
  

			
	 Countersigned and Registered:
     REGISTRAR AND TRANSFER COMPANY
 Transfer Agent
 and Registrar,

		
	By	 	 
	 	 	Authorized Signature









  
 SOUTHERN CONNECTICUT
BANCORP, INC. 
  
 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-	 	          Custodian          
	 TEN ENT
 JT TEN
	 	 -   as tenants by the entireties
 -   as joint tenants with right of survivorship and not as tenants in common
	  	 	 	    (Cust)                 (Minor)
 under Uniform Gifts to Minors Act                    
         (Cust)

				
	 	 	 	  	UNIF TRF MIN ACT-	 	              Custodian (until
 (Cust)                          
 age            )
              under Uniform
              (Minor)
 Transfers to Minors Act
                
                                        
 (Cust)


  
 Additional
abbreviations may also be used though not in the above list. 
  
 FOR VALUE
RECEIVED
                                        
                     hereby sell, assign and transfer unto 
  
  

 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE OF ASSIGNEE) 
  

  

  

 Shares of the Common 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 Corporation, with full power of substitution in the premises. 
  

Dated
                                        
                                        

  

			
	 	 	 X                                      
                                  
  

	 	 	X                                      
                                  
	NOTICE:	 	THE SIGNATURE(S) TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME(S) AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE
WHATEVER.

  
 Signature(s) Guaranteed: 

 
 By
                                        
                                        
                                     
 THE SIGNATURE(S) MUST 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 17Ad-15. 
  
 UPON WRITTEN REQUEST BY A SHAREHOLDER, THE CORPORATION WILL FURNISH WITHOUT CHARGE, INFORMATION REGARDING (I) THE DESIGNATION, RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS APPLICABLE TO EACH CLASS OF STOCK AUTHORIZED FOR ISSUANCE, (II) THE
VARIATIONS IN RIGHTS, PREFERENCES AND LIMITATIONS DETERMINED FOR EACH SERIES WITHIN A CLASS, AND (III) THE AUTHORITY OF THE BOARD OF DIRECTORS TO DETERMINE VARIATIONS FOR FUTURE SERIES.