EXHIBIT 4.3 CERTIFICATE OF TRUST OF COMMUNITY CAPITAL TRUST I THIS Certificate of Trust of Community Capital Trust I (the "Trust"), dated as of January 27, 1997, has been duly executed and is being filed by the undersigned, as trustee, to form a business trust under the Delaware Business Act (12 Del. C. Section3801, et seq.). ------- -- ---- 1. Name. The name of the business trust formed hereby is ---- Community Capital Trust I. 2. Delaware Trustee. The name and business address of the ---------------- trustee of the Trust with a principal place of business in the State of Delaware are Chase Manhattan Bank Delaware, 1201 Market Street, Wilmington, Delaware 19801. 3. Effective Date. This Certificate of Trust shall be effective -------------- upon filing. IN WITNESS WHEREOF, the undersigned trustee of the Trust has executed this Certificate of Trust as of the date first-above written. CHASE MANHATTAN BANK DELAWARE, not in its individual capacity but solely as trustee of the Trust By: ----------------------------------------- Name: Title: