EXHIBIT 2


              Sample Stock Certificate of Atlantic BancGroup, Inc.


Number                                                                    Shares
- ------                                                                    ------


                         Incorporated under the Laws of
                              the State of Florida





                            Atlantic BancGroup, Inc.



                         12,000 SHARES AT $.01 PAR VALUE



THIS CERTIFIES  THAT  __________________  is hereby issued  ____________________
shares fully paid and  transferable  only on the books of the Corporation by the
holder  hereof in person or by an  authorized  attorney  upon  surrender of this
Certificate properly endorsed.

In Witness  Whereof,  the said  Corporation  has caused this  Certificate  to be
signed by its duly  authorized  officers and its  Corporate  Seal to be hereunto
affixed this _____ day of ______________ A.D. 19 __


- --------------------------------------       -----------------------------------
Secretary                                    President





        For Value Received,  ________________  hereby sell,  assign and transfer
   unto  ______________________________________________  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  Corporation  with  full  power of
   substitution in the premises.

        Dated _______________, 19____

             In presence of

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