Document:

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EXHIBIT 4.1

067436                                                            COMMON STOCK
     NUMBER                                                        SHARES
    FBU                 [LOGO-FIRST IN THE U.S.]
                                      CHARTER ONE
                                      FINANCIAL, INC.(R)

                                                        $.01 PAR VALUE PER SHARE
INCORPORATED UNDER THE LAWS                             CUSIP 160903 10 0
  OF THE STATE OF DELAWARE                              SEE REVERSE FOR CERTAIN
                                                        DEFINITIONS

THIS CERTIFICATE IS TRANSFERABLE IN THE CITIES OF BOSTON, MA OR NEW YORK, NY

This Certifies that

is the record holder of

FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK, OF

Charter One Financial, Inc. transferable on the books of the Corporation in
person or by duly authorized attorney on surrender of this certificate properly
endorsed. This certificate shall not be valid until countersigned and registered
by the Transfer Agent and Registrar.

Witness the facsimile seal of the Corporation and the facsimile signatures of
its duly authorized officers.

Dated:
                                             /s/ Charles John Koch

                                                   President

                                             /s/ Robert J. Vana

                                                   Secretary

[SEAL]
CHARTER ONE FINANCIAL, INC.    COUNTERSIGNED AND REGISTERED:           [GRAPHIC]
   CORPORATE SEAL                FLEET NATIONAL BANK
    DELAWARE                       (f/k/a BankBoston, N.A.)
                                     TRANSFER AGENT AND REGISTRAR

AMERICAN BANK NOTE COMPANY      BY
                                /s/ Timothy D. Ryan
                                      AUTHORIZED SIGNATURE

<PAGE>   2

         The shares represented by this certificate are issued subject to all
the provisions of the certificate of incorporation and bylaws of Charter One
Financial, Inc. (the "Corporation") as from time to time amended (copies of
which are on file at the principal executive offices of the Corporation), to all
of which the holder by acceptance hereof assents.

         The Corporation shall furnish without charge to each stockholder who so
requests a statement of the powers, designations, preferences and relative,
participating, optional, or other special rights of each class of stock of the
Corporation or series thereof and the qualifications, limitations or
restrictions of such preferences and/or rights. Such requests shall be made to
the Corporation's Secretary at the principal office of the Corporation.

         Until the earlier of the Separation Time and the Expiration Time (as
such terms are defined in the Rights Agreement referred to below) this
certificate shall also evidence and entitle the holder hereof to certain Rights
as set forth in the Amended and Restated Stockholder Protection Rights
Agreement, dated as of October 20, 1999 (as such may be amended from time to
time, the "Rights Agreement"), between Charter One Financial, Inc. (the
"Company") and Fleet National Bank (f/k/a BankBoston, N.A.), as Rights Agent,
the terms of which are hereby incorporated herein by reference and a copy of
which is on file at the principal executive offices of the Company. Under
certain circumstances, as set forth in the Rights Agreement, such Rights may be
redeemed, may be exchanged for shares of Common Stock, Preferred Stock or other
securities or assets of the Company, may expire, may become void (if they are
"Beneficially Owned" by an "Acquiring Person" or an "Affiliate" or "Associate"
thereof, as such terms are defined in the Rights Agreement, or by any transferee
of any of the foregoing) or may be evidenced by separate certificates and may no
longer be evidenced by this certificate. The Company will mail or arrange for
the mailing of a copy of the Rights Agreement to the holder of this certificate
without charge promptly after the receipt of a written request therefor.

         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:
<TABLE>
<S>                                           <C>

TEN COM - as tenants in common                UNIF GIFT MIN ACT-           Custodian
TEN ENT - as tenants by the entireties                          --------------------------------
JT TEN  - as joint tenants with right                             (Cust)             (Minor)
          of survivorship and not as                            under Uniform Gifts to Minors
          tenants in common                                     Act_____________________________
                                                                            (State)
                                              UNIF TRF MIN ACT-_______Custodian (until age_____)

                                                               to Minors Act __________________
                                                                                   (State)

</TABLE>

        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
IDENTIFYING NUMBER OF ASSIGNEE
--------------------------------------

--------------------------------------

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

-------------------------------------------------------------------------------

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------------------------------------------------------------------------ Shares
of the common 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___________________________________________
                              THE SIGNATURES(S) TO THIS ASSIGNMENT MUST
                     NOTICE:  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.<PAGE>   1
                                                                EXHIBIT NO. 10.5

                       SECOND AMENDMENT TO LOAN AGREEMENT

         This Second Amendment to Loan Agreement as amended, dated as of
September 29, 2000, (the " Second Amendment") is entered into by and between
BancFirst Ohio Corp., an Ohio corporation (hereinafter called "Borrower"), and
LaSalle Bank N.A., a National Banking Association (hereinafter called "Lender").

         WHEREAS, pursuant to that certain Loan Agreement dated as of August 14,
1996 (the "Loan Agreement"), Lender extended a loan in the amount of FIFTEEN
MILLION and 00/100 Dollars ($15,000,000.00), (the "Loan") to Borrower for the
purpose of funding the acquisition of County Savings Bank (hereinafter called
"County") and, as evidence thereof, Borrower also executed a Term Promissory
Note dated of even date with the Loan Agreement (the "Note").

         WHEREAS, as security for the Loan, Borrower assigned, transferred,
pledged and delivered to Lender 100% of all of the issued and outstanding shares
of common stock in its subsidiary, First National Bank of Zanesville ("First
National"), and, as evidence thereof, Borrower executed a Pledge Agreement dated
as of August 14, 1996 (the "Pledge Agreement");

         WHEREAS, in 1998 Borrower and Lender entered into the First Amendment
to Loan Agreement dated April 30, 1998, the First Amendment to Term Promissory
Note dated as of April 30, 1998, and the First Amendment to Pledge Agreement
dated as of April 30, 1998;

         WHEREAS, the Borrower has requested Lender to extend a loan in the
amount of Eight Million and no/100s Dollars ($8,000,000.00) for the purpose of
refinancing Borrower's outstanding indebtedness in the sum of Three Million
Seven Hundred Fifty Thousand Dollars and no/100s Dollars ($3,750,000.00) and
Four Million Two Hundred Fifty Thousand Dollars and no/l00s Dollars
($4,250,000.00) to be contributed as additional paid in capital to First
National.

         WHEREAS, Borrower and Lender agree to modify certain covenants
contained in the Loan Agreement as amended and the Term Promissory Note as
amended as more fully described herein.

         NOW THEREFORE, in consideration of the premises set forth above and the
mutual covenants and promises contained in this Second Amendment to Loan
Agreement and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, Borrower and Lender hereby agree,
effective as of the date hereof and subject to the conditions set forth herein,
to amend the Loan Agreement as amended as follows:

1.1 Section 1.A. Section 1.A of the Loan Agreement as amended is hereby deleted
and amended and restated in its entirety as follows:

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         1.A. Subject to the terms and conditions of the Loan Agreement as
         amended, theLender agrees to lend to the Borrower and the Borrower
         agrees to borrow from the Lender the sum of Eight Million and no/100s
         Dollars ($8,000,000.00) (hereinafter called the "Loan"). The Loan shall
         be evidenced by a Term Promissory Note executed by the Borrower in the
         form attached hereto as Exhibit "A". The funding of the Note by the
         Lender is sometimes hereinafter referred to as the "Closing".

1.2 Section 3 Sections 3.A and 3.B of the Loan Agreement as amended are hereby
amended by deleting Section 3 Titled "Repayment, Loan Borrowing Procedures, and
Application of Payments" and replacing it with the following:

         3.       Repayment, Interest Rate, Selection of Interest Rate,
                  Application of Payments

         A.       Repayment

         (a)      Interest only shall be payable quarterly, commencing on
                  December 31, 2000 and on the last day of each quarterly period
                  thereafter.

         (b)      Six annual principal payments shall commence one (1) year from
                  the date hereof, with the first principal payment being due
                  September 30, 2001 in the sum of One Million and No/100
                  Dollars ($1,000,000.00), plus accrued interest, and One
                  Million and No/100s Dollars ($1,000,000.00), plus accrued
                  interest, on September 30, 2002, September 30, 2003, September
                  30, 2004, September 30, 2005, and September 30, 2006.

         (c)      The final payment of principal shall be payable on September
                  30, 2007, in the sum of Two Million and No/100 Dollars
                  ($2,000,000.00), plus accrued interest.

B. Interest Rate

The outstanding principal hereunder shall bear interest at either of the
following rates as selected by Maker (see Selection of Interest Rate) from time
to time (the "Interest Rate"):

         (a)      Prime Rate. The outstanding principal hereunder may bear
                  interest at the Prime Rate per annum, floating. As used
                  herein, the phrase "Prime Rate" shall mean the rate in effect
                  from time to time as fixed by the management of the Bank for
                  the guidance of its loan officers and called its Prime Rate,
                  whether or not such rate is otherwise published. The effective
                  date of any change in the Prime Rate shall for purposes hereof
                  be the date the rate is changed by the Bank. The Bank shall
                  not be obligated to give notice of any change in the Prime
                  Rate. The use of the term "Prime Rate" herein is not intended
                  nor does it imply that said rate of interest is a preferred
                  rate of interest or one which is offered by the Bank to its
                  most creditworthy customers.

                                       2
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         (b)      LIBOR. The outstanding principal hereunder may bear interest
                  at LIBOR (as defined below) per annum plus one and thirty-five
                  one hundredths percent (1.35%) (the "LIBOR Rate"). For
                  purposes hereof, LIBOR means, for each Interest Period, a rate
                  of interest equal to the rate per annum as conclusively
                  determined by the Bank in good faith (rounded upward, if
                  necessary, to the nearest 1/100th of 1%) at which United
                  States dollar deposits in an amount equal to the principal
                  amount of the applicable LIBOR Loan (as defined below)
                  outstanding hereunder and for a period equal to the relevant
                  "Interest Period" are offered generally to the Bank in the
                  London Interbank Market quoted at 11:00 a.m., London time, two
                  banking days prior to the commencement of each Interest
                  Period, such rate to remain fixed for such Interest Period.
                  "INTEREST PERIOD" shall mean a period (i) commencing (A) with
                  respect to the conversion of all or a portion of a Prime Loan
                  to a LIBOR Loan, on the business day specified by Borrower in
                  writing to the Bank or (B) with respect to the continuation as
                  a LIBOR Loan of all or a portion of a then existing LIBOR Loan
                  after the expiration of the LIBOR Interest Period applicable
                  to such existing LIBOR Loan, and (ii) ending 30, 60 or 90 days
                  thereafter as selected by the Borrower pursuant to a written
                  notice to the Bank; provided, however, that

                  (1) if any LIBOR Interest Period would otherwise end on a day
                  that is not a business day, such LIBOR Interest Period shall
                  end on the next succeeding business day, unless the result of
                  such extension would be to carry such LIBOR Interest Period
                  into another calendar month, in which event such LIBOR
                  Interest Period shall end on the immediately preceding
                  business day; and

                  (2) any LIBOR Interest Period with respect to a LIBOR Loan
                  that would otherwise extend beyond the Maturity Date shall end
                  on the Maturity Date; and

                  (3) any LIBOR Interest Period which begins on the last
                  business day of the calendar month (or on a day for which
                  there is no numerically corresponding day in the calendar
                  month at the end of such LIBOR Interest Period) shall, subject
                  to Paragraph 2 above end on the last business day of a
                  calendar month; and

                  (4) if for any reason the Maker shall fail to timely select an
                  Interest Rate in the manner described below, then it shall be
                  deemed to have selected the LIBOR Rate. Interest on LIBOR
                  Loans shall be payable on the last day of each quarterly
                  period commencing on the 31st day of December, 2000, and
                  continuing on the last day of each quarterly period
                  thereafter, at maturity, after maturity on demand, and on the
                  date of any principal payment herein on the amount paid. Maker
                  further hereby promises to pay to the order of Bank, on
                  demand, interest on the unpaid principal amount hereof after
                  maturity (whether by acceleration, or otherwise) at the rate
                  set forth below under "Default Interest".

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                  "Prime Loan(s)" means, at any time, that portion of the
                  principal which Maker selects with proper notice to Bank to
                  bear interest at the Prime Rate.

                  "LIBOR Loan(s)" means, at any time, that portion of the
                  principal which Maker selects with proper notice to Bank to
                  bear interest at the LIBOR Rate.

                  The Bank's determination of LIBOR as provided above shall be
                  conclusive, absent manifest error. Furthermore, if the Bank
                  determines in good faith (which determination shall be
                  presumed to be in good faith and, absent manifest error, shall
                  be conclusive), prior to the commencement of any Interest
                  Period that (a) U.S. dollar deposits of sufficient amount and
                  maturity for funding any LIBOR Loan are not available to the
                  Bank in the London Interbank Eurodollar market in the ordinary
                  course of business, or (b) by reason of circumstances
                  affecting the London Interbank Eurodollar market, adequate and
                  fair means do not exist for ascertaining the rate of interest
                  to be applicable to the relevant LIBOR Loan, the Bank shall
                  promptly notify the Maker and such LIBOR Loan shall
                  automatically convert on the last day of the then-current
                  Interest Period to a loan bearing interest at the Prime Rate.

                  If, for any reason, any LIBOR Loan is paid prior to the last
                  business day of its then current Interest Period, the Maker
                  agrees to indemnify the Bank against any loss (including any
                  loss on redeployment of the funds repaid), cost or expense
                  incurred by the Bank as a result of such prepayment.

C. Selection of Interest Rate. An authorized officer of Maker shall give bank
irrevocable telephonic notice confirmed in writing no later than 11:00 a.m.
Chicago time on the business day prior to the expiration of the then current
Interest Period of its selection of an Interest Rate. In the event Bank does not
receive such notice in a timely fashion, then the Maker shall be deemed to have
selected the LIBOR Rate for the next succeeding Interest Period.

D. Application of Payments. All payments received on account of the indebtedness
evidenced by this Note shall be applied to the payment of the following
obligations in the order set forth (a) to indebtedness (including accrued and
unpaid interest due thereon) secured by any collateral or security agreement
entered into in connection with this Note other than the principal balance
evidenced hereby and the interest due thereon; (b) to interest at the rate set
forth above; (c) to payment of late charges, enforcement costs and other
expenses; (d) to interest at the Default Rate; and (e) the remainder, if any,
shall be applied to the principal balance remaining unpaid hereunder.

1.3 Section 6E. Section 6E of the Loan Agreement as amended is hereby deleted
and amended and restated in its entirety as follows:

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                  6E. The Borrower shall maintain, on a consolidated basis, all
                  calculated quarterly (with the exception of minimum annualized
                  return on average assets which will be calculated annually as
                  of December 31 of each year), the following:

                  (a)      Minimum ratio of total risk-based capital to risk
                           adjusted assets of Ten Percent (10%);

                  (b)      Minimum ratio of Tier 1 capital to risk adjusted
                           assets of Six Percent (6%);

                  (c)      Minimum ratio of Tier 1 capital to average assets
                           (leverage ratio) of Five Percent (5%);

                  (d)      Maximum non-performing loans to equity capital of
                           Twenty-Five Percent (25%);

                  (e)      Minimum loan loss reserve to non-performing loans of
                           Seventy-Five Percent (75%);

                  (f)      Minimum annualized return on average assets of 0.80%.

SECTION 2. REPRESENTATIONS AND WARRANTIES

         To induce Lender to amend the Loan Agreement, as amended, Borrower
represents and warrants to Lender that:

2.1 Compliance with Loan Agreement. On the date hereof, Borrower is in
compliance of all of the terms and provisions set forth in the Loan Agreement as
amended and no Default or Event of Default has occurred which has not been
waived or amended herein.

2.2 Representations and Warranties. On the date hereof, the representations and
warranties set forth in the Loan Agreement as amended are true and correct with
the same effect as though such representations and warranties had been made on
the date hereof, except to the extent that such representations and warranties
expressly relate to an earlier date.

2.3 Corporate Authority of Borrower. Borrower has full power and authority to
enter into this Second Amendment, all of which has been duly authorized by all
proper and necessary corporate action. Except for consents which have been
obtained by Borrower, no consent or approval of stockholders or of any public
authority or regulatory body or any other person or entity is required as a
condition to the validity or enforceability of this Second Amendment.

<PAGE>   6

2.4 Second Amendment as Binding Agreement. This Second Amendment constitutes the
valid and legally binding obligation of Borrower, fully enforceable against
Borrower, in accordance with its terms.

2.5 No Conflicting Agreements. The execution and performance by Borrower of this
Second Amendment will not (i) violate any provision of law, any order of any
court or other agency of government, or the Articles of Incorporation or By-Laws
of Borrower, or (ii) violate any indenture, contract, agreement or other
instrument to which Borrower is a party, or by which its property is bound, or
be in conflict with, result in a breach of or constitute (with due notice and/or
lapse of time) a default under, any such indenture, contract, agreement or other
instrument or result in the creation or imposition of any lien, charge or
encumbrance of any nature whatsoever upon any of the property or assets of
Borrower.

SECTION 3. CONDITIONS PRECEDENT

         The agreement by Lender to amend the Loan Agreement as amended is
subject to the following conditions precedent:

3.1 Execution of Documents. Borrower shall have executed and delivered to Lender
the Second Amendment to Loan Agreement and the Term Promissory Note dated of
even date herewith.

3.2 Corporate Approval. Lender shall have received evidence of approval of this
Second Amendment by Borrower's board of directors by appropriate corporate
action of such board.

SECTION 4. GENERAL PROVISIONS

4.1 Except as amended by this Second Amendment, the terms and provisions of the
Loan Agreement as amended shall remain unchanged and are in all other respects
ratified and confirmed and remain in full force and effect. The terms and
provisions of the Pledge Agreement dated August 14, 1996, and as amended as of
April 30, 1998, shall remain unchanged and are in all other respects ratified
and confirmed and remain in full force and effect.

4.2 Borrower hereby agrees to pay all out-of-pocket expenses incurred by Lender
in connection with the preparation, negotiation and consummation of this Second
Amendment, and all other documents related thereto (whether or not any
borrowings under the Second Amendment shall be consummated), including, without
limitation, the fees and expenses of Lender's counsel not to exceed $5,000.00,
and any filing fees and recordation tax required in connection with the filing
of any documents necessary to consummate the provisions of this Second
Amendment.

4.3 This Second Amendment shall be construed in accordance with and governed by
the laws of the State of Illinois, and the obligations of Borrower under this
Second Amendment are and shall arise absolutely and unconditionally upon the
execution and delivery of this Second Amendment.

4.4 This Second Amendment may be executed in any number of counterparts.

4.5 On or after the effective date hereof, each reference in the Loan Agreement
to this "Agreement", "hereof", or word of like import, shall, unless the context
otherwise requires, be deemed to refer to the Loan Agreement as amended and this
Second Amendment.

4.6 The recitals to this Second Amendment are incorporated herein in their
entirety by this reference thereto and deemed to be a part hereof. Capitalized
terms used herein, unless otherwise defined herein, shall have the meanings
provided in the Loan Agreement as amended and this Second Amendment.

         IN WITNESS WHEREOF, Borrower has caused this Second Amendment to be
duly executed by its duly authorized officer and Lender has caused this Second
Amendment to be executed by its duly authorized officer, all as of the day and
year first above written.

<PAGE>   7

                             BORROWER: BANCFIRST OHIO CORP.

                                         By:
                                         Title:

                             LENDER:     LASALLE BANK, N.A.
                                         a National Banking Association

                                         By:
                                         Title:

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