Exhibit 4.0  


(FORM
OF STOCK CERTIFICATE—FRONT SIDE) 


NUMBER        SHARES




	COMMON STOCK

(Par Value $.01 Per Share)	 	CUSIP                         

See reverse for certain definitions






ABINGTON COMMUNITY 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 Abington Community Bancorp, Inc., Jenkintown, Pennsylvania (the "Corporation"). 



        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 by the Transfer Agent and registered by the Registrar. This security is not a deposit or
savings account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other Federal or state governmental agency.



        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)	
 	

 
	
	 	 	

	Edward W. Gormley

Corporate Secretary	 	 	Robert W. White

Chairman of the Board, 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	
 	

 	
 	

under (Cust)	
 	

 
	(Minor)	 	
	 	 	 	
	 	 	 	 
	

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.