[GRAPHIC-REPRESENTATION OF CCBT FINANCIAL COMPANIES, INC. STOCK CERTIFICATE] CCBT FINANCIAL COMPANIES, INC. INCORPORATED UNDER THE LAWS OF MASSACHUSETTS CUSIP 12500Q 10 2 This is to certify that is the holder of Shares of the Common Capital Stock of CCBT Financial Companies, Inc. transferable only on the books of the Company by assignment in writing by the holder of record hereof or his legal representative upon surrender of this certificate. This certificate and the shares represented hereby are issued and shall be held subject to all the provisions of the Articles of Organizations and By-laws of the Company as heretofore or hereafter amended, and the par value of the shares represented hereby is and shall be as set forth in said Articles so amended, to all of which the holder by acceptance hereof assents. This certificate is not valid unless countersigned and registered by the Transfer Agent and Registrar. IN WITNESS WHEREOF CCBT Financial Companies, Inc. has caused this certificate to be signed by its duly authorized officers and its corporate seal to be hereto affixed. /s/Noal D. Reid /s/Stephen B. Lawson - ------------------- ----------------------- Noal D. Reid Stephen B. Lawson TREASURER [GRAPHIC-LOGO] PRESIDENT AUTHORIZED SIGNATURE TRANSFER AGENT AND REGISTRAR COUNTERSIGNED AND REGISTERED: REGISTRAR AND TRANSFER COMPANY EXHIBIT 4.1 CONTINUED For value received, _____________hereby sell, assign transfer unto PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE [ ] ________________________________________________________________________________ ________________________________________________________________________________ PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE ________________________________________________________________________________ ________________________________________________________________________________ __________________________________________________________________________Shares of the Capital 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 Bank full power of substitution in the premises. Dated________________________ ____________________________________________ In Presence of ___________________ NOTICE: The signature to this assignment must correspond with the name as written upon the face of the certificate in every particular without alteration or enlargement or any change whatever. 2