EXHIBIT 4.1



 Exhibit 4.1 
  


			
	 COMMON STOCK
 CERTIFICATE
NO.
	  	 COMMON STOCK
 SEE REVERSE FOR CERTAIN
 DEFINITIONS

	  	CUSIP ______________

  
 SI FINANCIAL GROUP,
INC. 
 ORGANIZED UNDER THE LAWS OF THE UNITED STATES 
  

			
	 THIS CERTIFIES THAT
	 	SPECIMEN
	 is the owner of:
	 	 

  
 FULLY PAID AND
NONASSESSABLE SHARES OF COMMON STOCK $0.01 PAR VALUE 
 PER SHARE OF SI FINANCIAL GROUP, INC. 
 a stock company organized under the laws of the United States. 
  
 The shares represented by this certificate are transferable only on the stock transfer books of SI Financial Group, Inc.
(the “Company”) by the holder of record hereof, or by his duly authorized attorney or legal representative, upon the surrender of this certificate properly endorsed. This certificate and the shares represented hereby are issued and shall
be held subject to all the provisions of the Charter of the and any amendments thereto (copies of which are on file with the Secretary of the Company), to all of which provisions the holder by acceptance hereof, assents. The shares evidenced by this
certificate are not of an insurable type and are not insured by the Federal Deposit Insurance Corporation. 
  
 IN WITNESS WHEREOF, SI Financial Group, Inc. has caused this certificate to be executed by the facsimile signatures of its duly authorized officers
and has caused a facsimile of its corporate seal to be hereunto affixed. 
  

			
	Dated:	 	[SEAL]

  

			
	President and Chief Executive Officer	 	Secretary

  









 The shares represented by this Certificate are subject to a limitation contained in the Charter to the
effect that in no event shall any person, other than SI Bancorp, MHC, directly or indirectly, offer to acquire or acquire the beneficial ownership of more than 10% of the outstanding shares of common stock. Shares beneficially owned in excess of
this limitation shall not be counted as shares entitled to vote and shall not be voted by any person or counted as voting shares. 
  
 The Board of Directors of the Company is authorized by resolution(s), from time to time adopted, to provide for the issuance of serial preferred stock in
series and to fix and state the voting powers, designations, preferences and relative, participating, optional, or other special rights of the shares of each such series and the qualifications, limitations and restrictions thereof. The Company will
furnish to any shareholder upon request and without charge a full description of each class of stock and any series thereof. 
  
 The shares represented by this Certificate may not be cumulatively voted on any matter. 
  
 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 GIFTS MIN ACT - _________ custodian _______
	 	 	                   (Cust)
                      (Minor)

		
	 TEN ENT - as tenants by the entireties
	 	             under Uniform Gifts to Minors Act

	 	 	             ____________________________

	 	 	                       (State)                
    

	 JT TEN -   as joint tenants with right of survivorship and not as tenants in common
	 	 

  
 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 IDENTIFICATION NUMBER OF ASSIGNEE 
  
 ___________________________________________________________________________________________________________ 
 Please print or typewrite name and
address including postal zip code of assignee. 
  
 _________________________________________________________shares of the common stock represented by this certificate and do hereby irrevocably constitute and appoint 
  
 ____________________________________________________________________________________, attorney, to transfer the said stock on the books
of the within-named bank with full power of substitution in the premises. 
  

			
	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 or enlargement or any change
whatever.

  

			
	SIGNATURE GUARANTEED:	 	

	 	 	THE SIGNATURE(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 17Ad-15