Document:

EXHIBIT 4.1

                                    FORM OF
                         SUBSCRIPTION RIGHTS CERTIFICATE

                      NUMBER OF RIGHTS:  ______

         SUBSCRIPTION RIGHTS CERTIFICATE NO.:  ___________

       NONTRANSFERABLE RIGHTS TO PURCHASE COMMON STOCK OF
                   FIRST LEESPORT BANCORP, INC.

     THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY'S
PROSPECTUS DATED NOVEMBER 9, 2001 (THE "PROSPECTUS") AND ARE INCORPORATED
HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM
SANDLER O'NEILL SHAREHOLDER SERVICES, A DIVISION OF SANDLER O'NEILL & PARTNERS,
L.P. (THE "INFORMATION AGENT") AND AMERICAN STOCK TRANSFER & TRUST COMPANY (THE
"SUBSCRIPTION AGENT"). CAPITALIZED TERMS USED HEREIN WITHOUT DEFINITION SHALL
HAVE THE MEANINGS ASCRIBED TO SUCH TERMS IN THE PROSPECTUS.

     THIS SUBSCRIPTION RIGHTS CERTIFICATE (THE "SUBSCRIPTION RIGHTS
CERTIFICATE") OR A NOTICE OF GUARANTEED DELIVERY MUST BE RECEIVED BY THE
SUBSCRIPTION AGENT WITH PAYMENT IN FULL BEFORE 5:00 P.M., EASTERN TIME, ON
DECEMBER 12, 2001, UNLESS EXTENDED BY THE COMPANY TO A TIME NOT LATER THAN 5:00
P.M., EASTERN TIME, ON JANUARY 2, 2002 (IN EITHER CASE, THE "EXPIRATION
TIME").

     THIS SUBSCRIPTION RIGHTS CERTIFICATE IS NOT TRANSFERRABLE AND MAY NOT BE
COMBINED OR DIVIDED OR ASSIGNED TO ANY OTHER PERSON.

     The rights (the "Rights") represented by this Subscription Rights
Certificate may be exercised, in whole or in part, by duly completing Form 1.
Before exercising Rights, Rights Holders are urged to read carefully and in
their entirety the Prospectus and Instructions As To Use of Subscription Rights
Certificates (the "Instructions"), additional copies of which are available from
the Information Agent and the Subscription Agent. IMPORTANT: COMPLETE FORM 1,
AND IF APPLICABLE, DELIVERY INSTRUCTIONS, AND SIGN ON REVERSE SIDE.

<PAGE>

          SUBSCRIPTION PRICE:  $_____________ PER SHARE

        REGISTERED HOLDER:  _______________________________

     The registered owner whose name is inscribed hereon (the "Rights Holder"),
is entitled to subscribe for and purchase from the Company, at the Subscription
Price, one share of the Company's Common Stock, $5.00 par value (the "Common
Stock"), pursuant to the Basic Subscription Right (an "Underlying Share"), and
two shares of such Common Stock pursuant to the Oversubscription Privilege
("Excess Shares") if the Basic Subscription Right is exercised in full, for each
Right evidenced hereby, upon the terms and subject to the conditions set forth
in the Prospectus and the Instructions. Underlying Shares subscribed for
pursuant to the Basic Subscription Right and Excess Shares subscribed for
pursuant to the Oversubscription Privilege shall be delivered upon receipt of
this Subscription Rights Certificate, duly completed, and upon payment of the
applicable Subscription Price, as soon as practicable after the Expiration Time
and after all prorations and reductions contemplated by the terms of the
Offering have been effected.

By:____________________________     By:_______________________
     Raymond H. Melcher, Jr.           Jenette L. Eck
     Chairman, President and           Secretary
     Chief Executive Officer

     YOU SHOULD BE AWARE THAT IF YOU CHOOSE TO EXERCISE LESS THAN ALL OF THE
RIGHTS EVIDENCED HEREBY, THE BALANCE OF YOUR RIGHTS WILL PERMANENTLY EXPIRE ON
THE EXPIRATION DATE. YOUR EXERCISE OF RIGHTS IS IRREVOCABLE ONCE YOU HAVE
SUBMITTED THIS SUBSCRIPTION RIGHTS CERTIFICATE TO THE SUBSCRIPTION AGENT.
HOWEVER, THE COMPANY RESERVES THE RIGHT TO POSTPONE, MODIFY OR CANCEL THE RIGHTS
OFFERING AT ANY TIME PRIOR TO THE EXPIRATION TIME IF IT DETERMINES THAT SUCH
POSTPONEMENT, MODIFICATION OR CANCELLATION IS IN THE BEST INTERESTS OF THE
COMPANY AND ITS SHAREHOLDERS

         IMPORTANT: PLEASE READ ALL INSTRUCTIONS CAREFULLY

                                       2

<PAGE>

                                     FORM 1

                            EXERCISE AND SUBSCRIPTION

     The undersigned hereby irrevocably exercises one or more Rights to
subscribe for shares of Common Stock as indicated below, on the terms and
subject to the conditions specified in the Prospectus, receipt of which is
hereby acknowledged.

(a)     Number of shares subscribed for pursuant
        to the Basic Subscription Right:                (a)_____

(b)     Number of shares subscribed for pursuant
        to the Oversubscription Privilege (1):          (b)_____

(c)     Total shares (sum of lines (a) and (b)):        (c)_____

(d)     Total number of shares subscribed for pursuant
        to the Basic Subscription Right (line (a))
        multiplied by the Subscription Price of
        $_________ (2):                                 (d)$____

(e)     Total number of shares subscribed for pursuant
        to the Oversubscription Privilege (line (b))
        multiplied by the Subscription Price of
        $__________ (2):                                (e)$____

(f)     Total Subscription Price (sum of lines (d)
        and (e)):                                       (f)$____

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

1.     To exercise the Oversubscription Privilege, you must
       fully exercise the Basic Subscription Right.

2.     If the aggregate Subscription Price paid by an exercising
       Rights Holder is insufficient to purchase the number of
       Underlying Shares that such holder indicates are being
       subscribed for, or if an exercising Rights Holder does
       not specify the number of Underlying Shares to be
       purchased, then such Rights Holder will be deemed to have
       exercised first the Basic Subscription Right in full and
       second the Oversubscription Privilege to purchase
       Underlying Shares to the full extent of the payment
       rendered (subject to proration under certain
       circumstances as described in the Prospectus).  If the
       aggregate Subscription Price paid by an exercising Rights

                                       3

<PAGE>

       Holder exceeds the amount necessary to purchase the
       number of Underlying Shares and Excess Shares for which
       the Rights Holder has indicated an intention to
       subscribe, then the Rights Holder will be deemed to have
       exercised first, the Basic Subscription Right (if not
       already fully exercised) and second, the Oversubscription
       Privilege to the full extent of the excess payment
       tendered.

(g)     METHOD OF PAYMENT
        (CHECK AND COMPLETE APPROPRIATE BOX(ES))

         [__]     Check in the amount of $_________ payable to
                  Subscription Agent.

         [__]     Certified check, bank draft or money order in the amount of
                  $_________ payable to Subscription Agent.

         [__]     Wire transfer in the amount of $__________
                  directed to American Stock Transfer & Trust
                  Company, Subscription Agent, _______________,
                  __, __, ABA #_________,
                  Account-________________, Attention:
                  __________________.  Indicate name of
                  institution transferring funds and name of
                  registered owner:

(h)     NOTICE OF GUARANTEED DELIVERY

        [__]     CHECK HERE IF RIGHTS ARE BEING EXERCISED PURSUANT TO A NOTICE
                 OF GUARANTEED DELIVERY DELIVERED TO THE SUBSCRIPTION AGENT
                 PRIOR TO THE DATE HEREOF AND COMPLETE THE FOLLOWING:

         Name(s) of Registered Owner(s)_________________________
         Window Ticket Number (if any)__________________________
         Date of Execution of Notice of Guaranteed Delivery ____
         Name of Eligible Institution which Guaranteed Delivery
         -------------------------------------------------------
         Telephone Number_______________________________________

                                       4

<PAGE>

                                     FORM 2

                          SPECIAL DELIVERY INSTRUCTIONS

     Unless otherwise indicated below, the Subscription Agent is hereby
authorized to issue and deliver certificates for Common Stock to the undersigned
at the address appearing on the face of this Subscription Right Certificate.

     SPECIAL DELIVERY INSTRUCTIONS (See paragraph 3 of the Instructions) To be
completed ONLY if the check evidencing a cash payment and/or the certificate
evidencing the Common Stock, is to be sent to someone other than the registered
holder or to an address on the face of this Subscription Right Certificate. Mail
and deliver check and/or certificate for Common Stock to:

     Name:_____________________________________________________
                                 (Please Print)

     Address:__________________________________________________

     ----------------------------------------------------------
                              (Including Zip Code)

     ----------------------------------------------------------
           (Tax Identification or Social Security Number)

                                       5

<PAGE>

              IMPORTANT:  RIGHTS HOLDER SIGN HERE
               IF RIGHTS ARE BEING EXERCISED AND
             COMPLETE ATTACHED SUBSTITUTE FORM W-9

                             Dated: __________, 2001

               ---------------------------------
               (Signature(s) of Rights Holder(s)

Must be signed by the registered holder(s) as name(s) appear(s) on this
Subscription Rights Certificate. If signature is by trustee(s), executor(s),
administrator(s), guardian(s), attorney(s)-in-fact, agent(s), officer(s) of a
corporation or another acting in a fiduciary or representative capacity, please
provide the following information. See the Instructions.

                                 (Please Print)
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Capacity (Full Title):__________________________________________
Address:  ______________________________________________________
                               (Include Zip Code)
Area Code and Home Telephone Number:  __________________________
Area Code and Business Telephone Number:  ______________________
Tax Identification or Social Security Number:  _________________

                       SIGNATURE GUARANTEE
           (to be executed if Section (h) is completed;
              see paragraph 4 of the Instructions)

The undersigned, an eligible guarantor institution pursuant to Rule 17Ad-15
promulgated under the Securities Exchange Act of 1934, as amended, and a
participant in a Securities Transfer Association recognized signature program,
does hereby guarantee that the signature of the Holder hereinabove is genuine.

Dated: ____________, 2001

                              ----------------------------------
                              Firm Name (If applicable)

                              ----------------------------------
                              Authorized Signature

                              ----------------------------------
                              Name and Title

                                       6

<PAGE>

                               SUBSTITUTE FORM W-9

                               PAYER'S REQUEST FOR
                      TAXPAYER IDENTIFICATION NUMBER (TIN)

PAYER'S NAME:  American Stock Transfer & Trust Company

PART 1:  PLEASE PROVIDE YOUR TIN AND CERTIFY BY SIGNING AND
         DATING BELOW.

         -------------------------------
         Social Security Number
                 OR
         Employer Identification Number

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

PART 2:  For Payees NOT subject to backup withholding under the provisions of
         section 3406(a)(1)(C) of the Internal Revenue Code, see the enclosed
         Guidelines for Certification of Taxpayer Identification Number on
         Substitute Form W-9 and complete as instructed therein.

PART 3:  Awaiting TIN [__]

CERTIFICATION. Under penalty of perjury, I certify that (1) the number shown on
this form is my correct Taxpayer Identification Number (or I am waiting for a
number to be issued to me and either (a) I have mailed or delivered an
application to receive a taxpayer identification number to the appropriate IRS
center or Social Security Administration office or (b) I intend to mail or
deliver an application in the near future) and (2) I am not subject to backup
withholding either because I have not been notified by the IRS that I am subject
to backup withholding as a result of a failure to report all interest or
dividends, or the IRS has notified me that I am no longer subject to backup
withholding.

CERTIFICATION INSTRUCTIONS. You must cross out item (2) above if you have been
notified by the IRS that you are subject to backup withholding because of
underreporting interest or dividends on your tax return. However, if after being
notified by the IRS that you were subject to backup withholding you received
another notification from the IRS that you are no longer subject to backup
withholding, do not cross out item (2). (Also see the enclosed Guidelines for
Certification of Taxpayer Identification Number on Substitute Form W-9.)

                                       7

<PAGE>

SIGNATURE __________________________  DATE ____________________

Name __________________________________________________________
                       (PLEASE PRINT)

Address _______________________________________________________
                     (INCLUDING ZIP CODE)

                                       8EXHIBIT 10.15

                         FORM OF QUESTIONS AND ANSWERS

                                     [LOGO]
                          FIRST LEESPORT BANCORP, INC.
                                NOVEMBER __, 2001

Dear Shareholder:

         Enclosed please find a Prospectus dated November 9, 2001 regarding the
subscription rights offering (the "Rights Offering") for the common stock (the
"Common Stock") of First Leesport Bancorp, Inc. (the "Company").

         We felt it might be helpful to explain in the form of questions and
answers certain issues relating to the Rights Offering. Nonetheless, for a
complete explanation of, among other things, the Rights Offering and the
procedures for exercising your rights (the "Rights"), you should carefully read
the Prospectus and the Instructions included in the package containing the
Subscription Rights Certificate. If you have additional questions, you may
contact the Information Agent, Sandler O'Neill Shareholder Services, a division
of Sandler O'Neill & Partners, L.P. at (866) 238-9463.

QUESTION 1. I CURRENTLY OWN 1,000 SHARES OF COMPANY COMMON STOCK AND I WANT TO
SUBSCRIBE FOR THE MAXIMUM NUMBER OF SHARES OF COMMON STOCK IN THE RIGHTS
OFFERING. HOW MANY SHARES OF COMMON STOCK AM I ENTITLED TO SUBSCRIBE FOR?

         ANSWER. For each two shares of Company common stock you hold, you will
receive one Right. You will not receive fractional Rights, so the Rights you
receive will be rounded up or down to the nearest whole number. For each
Right you receive, you are entitled to subscribe for one share of Common Stock
(your "Basic Subscription Right"), plus an Oversubscription Privilege of up to
two times the number of shares purchased by your exercise of the Basic
Subscription Right, if available. Consequently, you will be able to subscribe
for 500 shares of Common Stock at $____ per share or $_____ pursuant to the
Basic Subscription Right. You also may subscribe for an additional 1,000 shares
of Common Stock at $____ per share or $______ subject to availability pursuant
to the Oversubscription Privilege.

QUESTION 2. I OWN 1,000 SHARES OF COMPANY COMMON STOCK AND I WANT TO SUBSCRIBE
FOR THE MAXIMUM NUMBER OF SHARES OF COMMON STOCK IN THE RIGHTS OFFERING. WHAT
SHOULD I DO?

         ANSWER.  Follow these procedures:

             o  Complete Form 1 on the back of your Subscription Rights
                Certificate.

             o  Send to American Stock Transfer & Trust Company (the
                "Subscription Agent"), at ______________ your properly completed
                and executed Subscription Rights Certificate, together with
                payment in the amount of $_____ by check or bank draft drawn
                upon a U.S. bank, or postal, telegraphic or express money order,
                in each case, payable to American Stock Transfer & Trust
                Company, as Subscription Agent, or by wire transfer of funds to
                the account maintained by the Subscription Agent for such
                purpose of

<PAGE>

Shareholder
November __, 2001
Page 2

                accepting subscriptions at [INSERT BANK NAME, ABA NUMBER AND
                FIRST LEESPORT ACCOUNT NO.]. If you are paying by uncertified
                check, the funds paid may take at least five business days to
                clear. Thus, you must make payment sufficiently in advance of
                5:00 p.m., Eastern Time, on December 12, 2001 (the "Expiration
                Time") to ensure that such payment is received and clears before
                the Expiration Time. You are urged to consider, in the
                alternative, payment by means of certified check, bank draft,
                money order or wire transfer of funds.

QUESTION 3. IF I WANT TO SUBSCRIBE FOR ADDITIONAL SHARES OF COMMON STOCK
PURSUANT TO THE OVERSUBSCRIPTION PRIVILEGE, DO I HAVE TO SEND MY MONEY NOW OR
CAN I WAIT UNTIL THE COMPANY DECIDES WHETHER ANY SHARES OF COMMON STOCK ARE
AVAILABLE?

         ANSWER. You must exercise the Oversubscription Privilege together with
the Basic Subscription Right prior to the Expiration Time, unless the Company
extends the Rights Offering to a period no later than 5:00 p.m., Eastern Time,
on January 2, 2002. In the event no shares are available, your money will be
refunded to you, without interest or penalty.

QUESTION 4. AS A RIGHTS HOLDER, AM I REQUIRED TO SUBSCRIBE IN THE RIGHTS
OFFERING?

         ANSWER. No. While a Rights Holder is entitled either to exercise all or
any portion of his or her Basic Subscription Right, a Rights Holder also may
choose to do nothing with his or her Basic Subscription Right and allow the
Rights to expire. In such event, your equity ownership in the Company will be
diluted as a result. If all existing shareholders participate to the maximum
extent permitted, the dilution will be approximately __%. If few or no
shareholders participate, the equity dilution could equal as much as __%.

QUESTION 5. WHAT HAPPENS TO THOSE SHAREHOLDERS WHO DECIDE NOT TO EXERCISE THEIR
RIGHTS TO PURCHASE SHARES OF COMMON STOCK IN THE RIGHTS OFFERING?

         ANSWER. Any time a company issues additional shares, a shareholder's
investment in the Company may be "diluted." While all shareholders will
experience dilution in their percentage interest in the Company as a result of
the Rights Offering, a shareholder who does not exercise his, her or its Rights
will experience a greater decrease in their percentage interest in the Company
after the Rights Offering than a shareholder who does exercise his, her or its
Rights.

QUESTION 6. WHEN DO I HAVE TO MAKE A DECISION WHETHER TO SUBSCRIBE FOR ANY
COMMON STOCK?

         ANSWER. The Expiration Time of the Rights Offering is 5:00 p.m.,
Eastern Time, on December 12, 2001 unless the Company extends it to a period no
later than 5:00 p.m., Eastern Time, on January 2, 2002. To participate in the
Rights Offering, good funds will have to be received by the Subscription Agent
by that time.

<PAGE>

Shareholder
November __, 2001
Page 3

QUESTION 7. IF I SEND IN MY SUBSCRIPTION RIGHTS CERTIFICATE AND MY MONEY NOW,
CAN I CHANGE MY MIND ON WHETHER TO PURCHASE THE COMMON STOCK?

         ANSWER. No. Once you exercise Rights, you may not revoke your exercise.

QUESTION 8. HOW MAY I SUBSCRIBE FOR MORE SHARES OF COMMON STOCK THAN THOSE
ALLOCATED TO ME IN ACCORDANCE WITH MY BASIC SUBSCRIPTION RIGHT?

         ANSWER. Each Rights Holder who elects to exercise the Basic
Subscription Right in full also may subscribe at the Subscription Price for
additional shares of Common Stock, subject to availability after completion of
the Rights Offering and subject to reduction and proration in the sole judgment
and discretion of the Company for regulatory purposes. If an insufficient number
of shares of Common Stock are available to satisfy fully all exercises of the
Oversubscription Privilege then the available shares of Common Stock will be
prorated among Rights Holders who exercise their Oversubscription Privilege.

QUESTION 9. IF THE RIGHTS OFFERING IS NOT COMPLETED, WILL MY SUBSCRIPTION
PAYMENT BE REFUNDED TO ME?

         ANSWER. Yes. All funds received with subscriptions will be held in
escrow until the completion of the Offering. Funds will only be accepted and
exchanged for shares if the conditions described in the Prospectus are
satisfied.

QUESTION 10. I HAVE DELIVERED MY SUBSCRIPTION RIGHTS CERTIFICATE AND MONEY TO MY
BROKER FOR DELIVERY TO THE SUBSCRIPTION AGENT. IS THERE ANYTHING ELSE I MUST DO?

         ANSWER. Yes. You must complete the [BLUE] form entitled "Notice of
Guaranteed Delivery for Subscription Right Certificates Issued by First Leesport
Bancorp, Inc." and deliver it by facsimile transmission, overnight courier or
mail to the Subscription Agent prior to the Expiration Time.

QUESTION 11. I RECEIVED MANY OTHER FORMS IN MY PACKAGE. WHAT SHOULD I DO WITH
THEM?

         ANSWER. Many of the forms will not apply to you if you hold your stock
certificate for Company Common Stock. However, if you hold the Company Common
Stock in "street name," contact your broker who will advise you which ones must
be completed.

                                      * * *

         We hope this letter will assist you with the documents sent to you. You
are advised to read the Prospectus in its entirety.

                                             Very truly yours,

                                             Raymond H. Melcher, Jr.
                                             Chairman, President and Chief
                                             Executive Officer

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