EXHIBIT 4.1



 EXHIBIT 4.1 
  
 ARTICLES OF INCORPORATION 
  
 OF 
  
 AMERICASBANK CORP. 
 (composite) 
  
 FIRST: I, Kenneth D. Pezzulla, whose post office address is 401
Washington Avenue, Towson, Maryland 21204, being at least eighteen (18) years of age, hereby form a corporation under and by virtue of the Corporations and Associations Article of the Annotated Code of Maryland (the “Corporations Article”)
and the General Laws of the State of Maryland. 
  
 SECOND:
The name of the corporation (the “Corporation”) is 
  
 AMERICASBANK CORP. 
  
 THIRD: The purposes for
which the Corporation is formed are: 
  
 (a) To own and hold the
stock of financial institutions and otherwise operate as a financial institution holding company; 
  
 (b) To carry on the business described above and any other related or unrelated business and activity in the State of Maryland, in any state, territory,
district, or dependency of the United States, or in any foreign country; and 
  
 (c) To do anything permitted in Section 2-103 of the Corporations Article, as amended from time to time. 
  
 FOURTH: The post office address of the principal office of the Corporation in this State is 3621 E. Lombard Street, Baltimore, Maryland 21224. The
name and post office address of the resident agent of the Corporation in this State are Kenneth D. Pezzulla, 401 Washington Avenue, Towson, Maryland 21204. The resident agent is an individual actually residing in this State. 
  
 FIFTH: The total authorized capital stock of the Corporation is
Fifteen Million (15,000,000) shares, consisting of Ten Million (10,000,000) shares of common stock, with a par value of $.01 per share, and Five Million (5,000,000) shares of preferred stock, with a par value of $.01 per share. The aggregate par
value of all authorized shares is $150,000. 
  
 The designations
and the preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, and terms and conditions of redemption of the shares of each class of stock are as follows: 
  
 (a) Common Stock. Subject to all of the rights of holders of any
preferred stock established pursuant to paragraph (b) of this Article Fifth, each share of common stock shall possess 







 all such rights and privileges as are afforded to capital stock by applicable law in the absence of any express grant of
rights or privileges in the Corporation’s Charter, including, but not limited to, the following rights and privileges: 
  
 (i) dividends may be declared and paid or set apart for payment upon the common stock out of any assets or funds of the Corporation
legally available for the payment of dividends; 
  
 (ii) the holders of common stock shall have the right to vote for the election of directors and on all other matters requiring shareholder action, each share being entitled to one vote; and 
  
 (iii) upon the voluntary or involuntary liquidation,
dissolution or winding up of the Corporation, the net assets of the Corporation shall be distributed pro rata to the holders of the common stock in accordance with their respective rights and interests. 
  
 The Board of Directors by articles supplementary to these Articles of
Incorporation, may classify or reclassify any unissued shares of common stock from time to time by setting or changing the designations, preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends and terms or
conditions of redemption. 
  
 (b) Preferred Stock. The
preferred stock may be issued from time to time by the Board of Directors as shares of one or more series. The description of shares of each series of such preferred stock, including the designation, preferences, conversion and other rights, voting
powers, restrictions, limitations as to dividends, qualifications, and terms and conditions of redemption shall be as set forth in resolutions adopted by the Board of Directors and in Articles Supplementary filed as required by law from time to time
prior to the issuance of any shares of such series. 
  
 SIXTH: The number of directors of the Corporation shall be nine (9), which number may be increased or decreased pursuant to the By-Laws of the Corporation, but shall never be less than three (3), unless the number of shareholders is
less than three (3), in which case the number of directors shall not be less than the number of shareholders. The names of the directors who shall act until the first annual meeting of the shareholders or until their successors are duly elected and
qualified are: Henry A. Berliner, Jr., King V. Cheek, Patricia D’Alessandro, William A. Fogle, Jr., J. Clarence Jameson, III, Kemp Jayadeva, Norman H. Katz, Larry D. Ohler and Kenneth D. Pezzulla. 
  
 SEVENTH: (a) As used in this Article Seventh, any word or words that
are defined in Section 2-418 of the Corporations Article, as amended from time to time (the “Indemnification Section”), shall have the same meaning as provided in the Indemnification Section. 
  
 (b) The Corporation shall indemnify and advance expenses to a director or
officer of the Corporation in connection with a proceeding to the fullest extent permitted by and in accordance with the Indemnification Section. 
  
 (c) With respect to an employee or agent, other than a director or officer of the Corporation, the Corporation may, as determined by the Board of
Directors of the Corporation, indemnify and advance expenses to such employee or agent in connection with a proceeding to the fullest extent permitted by and in accordance with the Indemnification Section. 
  

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 (d) Neither the amendment nor repeal of this Article Seventh, nor the adoption of any provision to the
Charter of the Corporation inconsistent with this Article, shall eliminate or reduce the protection afforded by this Article to a director or an officer of the Corporation with respect to his act or failure to act which occurred prior to such
amendment, repeal or adoption. 
  
 EIGHTH: In carrying on
its business, or for the purpose of attaining or furthering any of its objects, the Corporation shall have all of the rights, powers, and privileges granted to corporations by the laws of the State of Maryland, as well as the power to do any and all
acts and things that a natural person or partnership could do, as now or hereafter authorized by law, either alone or in partnership or conjunction with others. In furtherance and not in limitation of the powers conferred by law, the powers of the
Corporation and of its directors and shareholders shall include the following: 
  
 (a) The Corporation reserves the right to adopt from time to time any amendment to its Charter, as now or hereafter authorized by law, including any amendment that alters the contract rights, as expressly set forth in
the Charter, of any outstanding stock. 
  
 (b) The Board of
Directors of the Corporation is hereby empowered to authorize the issuance from time to time of shares of the Corporation’s stock of any class or series, whether now or hereafter authorized, or securities convertible into shares of its stock,
of any class or classes or series, whether now or hereafter authorized, for such consideration as the Board of Directors deems advisable. 
  
 NINTH: To the full extent permitted under the Corporations Article as in effect on the date hereof, or as hereafter from time to time amended, no
director or officer shall be liable to the Corporation or to its shareholders for money damages for any breach of any duty owed by such director or officer to the Corporation or any of its shareholders. Neither the amendment nor repeal of this
Article Ninth, nor the adoption of any provision to the Charter of the Corporation inconsistent with this Article, shall eliminate or reduce the protection afforded by this Article to a director or officer or former director or officer of the
Corporation with respect to any matter which occurred, or any cause of action, suit or claim which but for this Article would have accrued or arisen, prior to such amendment, repeal or adoption. 
  

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