SPECIMEN STOCK CERTIFICATE                        EXHIBIT 4.3
                                 TRANSFINANCIAL
                   (Company mark in two-color gray and green)

Common Stock                                      Common Stock
Number                                            Shares
TF
                         TransFinancial Holdings, Inc.
              Incorporated Under the Laws of the State of Delaware

                                             See reverse for certain definitions
                                                               CUSIP 89365P 10 6

This Certifies that


is the owner of


    Fully paid and Non-Assessable Shares of Common Stock, $.01 par value, of

TransFinancial Holdings, Inc. transferable on the books of the Corporation in
person or by duly authorized attorney upon surrender of this Certificate
properly endorsed.  This Certificate is not valid until countersigned by the
Transfer Agent and registered by the Registrar.

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


Dated:
/s/Mark A. Foltz                                       /s/Timothy P. O'Neil
Secretary                                              President

Countersigned and Registered:
UMB Bank, N.A.
Transfer Agent and Registrar
BY:
Authorized Signature
                         TRANSFINANCIAL HOLDINGS, INC.
                                 Corporate Seal
                                      1976
                                    Delaware


The Corporation will furnish without charge to each stockholder who so requests
the powers, designations, preferences and relative, participating, optional, or
other special rights of each class of stock or series thereof and the
qualifications, limitations or restrictions of such preferences and/or rights.

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

    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)







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

                                   Notice: The signature to this assignment
                                   must correspond with the name as written

                                   upon the face of this Certificate in every
                                   particular, without alteration or enlargement
                                        or any change whatever.


Signature(s) Guaranteed:

BY
The signature(s) should be guaranteed by an eligible guarantor
Institution (Banks, Stock Brokers, Savings and Loan Associations
And credit unions with membership in an approved signature
Guarantee medallion program).  Pursuant to S.E.C. Rule 17Ad-15.

     This certificate also evidences and entitles the holder hereof to certain
Rights as set forth in the Rights Agreement (the "Rights Agreement"), between
TransFinancial Holdings, Inc. (the "Company") and UMB Bank, N.A. (the "Rights
Agent"), the terms of which are hereby incorporated herein by reference and a
copy of which is on file at the principal offices of the Rights Agent.  Under
certain circumstances, as set forth in the Rights Agreement, such Rights will be
evidenced by separate certificates and will no longer be evidenced by this
certificate.  The Company will mail to the holder of this certificate a copy of
the Rights Agreement, as in effect on the date of mailing, without charge,
promptly after receipt of a written request therefor.  Under certain
circumstances set forth in the Rights Agreement, Rights issued to, or held by,
any Person who is, was or becomes an Acquiring Person or any Affiliate or
Associate thereof (as such terms are defined in the Rights Agreement), whether
currently held by or on behalf of such Person or by any subsequent holder, may
become null and void.