EXHIBIT 4




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COMMON STOCK                 FLORIDAFIRST BANCORP, INC.         CUSIP __________
CERTIFICATE NO.

                             INCORPORATED UNDER THE
                          LAWS OF THE STATE OF FLORIDA

                                                                 SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

THIS CERTIFIES THAT:

IS THE OWNER OF:

              FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK,
                          $0.10 PAR VALUE PER SHARE OF

                           FloridaFirst Bancorp, Inc.

     The shares  represented by this  certificate are  transferable  only on the
stock  transfer  books of the  corporation  by the  holder of  record  hereof in
person,  or by his duly authorized  attorney or legal  representative,  upon the
surrender of this certificate properly endorsed. This certificate and the shares
represented  hereby are issued and shall be held  subject to all the  provisions
contained  in  the  corporation's  official  corporate  papers  filed  with  the
Department  of State of the State of  Florida  (copies of which are on file with
the Transfer Agent),  to all of the provisions the holder by acceptance  hereof,
assents.

     This  certificate is not valid unless  countersigned  and registered by the
Transfer Agent and Registrar.

              THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
                        FEDERALLY INSURED OR GUARANTEED.

     In Witness Whereof,  FloridaFirst Bancorp, Inc. has caused this certificate
to be executed by the facsimile  signatures of its duly authorized  officers and
has caused a facsimile of its corporate seal to be hereunto affixed.

DATED:


____________________________________        ____________________________________
PRESIDENT                                                              SECRETARY

                                      SEAL
                                Incorporated 2000

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                           FLORIDAFIRST BANCORP, INC.

     The shares  represented  by this  certificate  are subject to a  limitation
contained in the articles of  incorporation  (the "Articles") to the effect that
in no event  shall any record  owner of any  outstanding  common  stock which is
beneficially owned, directly or indirectly, by a person who beneficially owns in
excess  of 10% of the  outstanding  shares  of common  stock ( the  "Limit")  be
entitled  or  permitted  to any vote in respect of shares  held in excess of the
Limit.  In addition,  for five years from the initial sale of common  stock,  no
person  or entity  may offer to  acquire  or  acquire  more than 10% of the then
outstanding shares of any class of equity securities of the corporation.

     The Board of Directors of the  corporation is authorized by  resolution(s),
from time to time adopted, to provide for the issuance of serial preferred stock
in series and to fix and state the voting powers, designations, preferences, and
relative, participating, optional, or other special rights of the shares of each
such series and the qualifications,  limitations,  and restrictions thereof. The
corporation  will furnish to any  shareholder  upon request and without charge a
full description of each class of stock and any series thereof.

     The shares represented by this certificate may not be cumulatively voted in
the  election of  directors of the  corporation.  The Articles  also require the
approval  of not less than 80% of the  corporation's  voting  stock prior to the
corporation  engaging  in  certain  business  combinations  (as  defined  in the
Articles)  with a  person  who is the  beneficial  owner  of 10% or  more of the
corporation's outstanding voting stock, or with an affiliate or associate of the
corporation.  This restriction does not apply if certain  approvals are obtained
from the Board of  Directors.  The  affirmative  vote of  holders  of 80% of the
outstanding  shares  of  capital  stock  of the  corporation  entitled  to  vote
generally in the election of directors  (considered for this purpose as a single
class) is required to amend this and certain other provisions of the Articles.

     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 TRANS MIN ACT -       _______________Custodian_______________
                                                                              (Cus)                   (Minor)
TEN ENT -        as tenants by the entireties                             under Uniform Transfers to Minors Act
                                                                          _______________________
                                                                                  (State)
JT TEN  -        as joint tenants with right of
                 survivorship and not as tenants
                 in common
     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

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   (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING ZIP CODE OF ASSIGNEE)

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shares of the common stock represented by the within certificate and do hereby

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irrevocably constitute and appoint Attorney to transfer the said shares on the

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books of the within named corporation with full power of substitution in the

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premises.

Dated                                       X
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                                            X
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     NOTICE:  The signatures to this assignment must correspond with the name(s)
as  written  upon  the face of the  certificate  in  every  particular,  without
alteration or enlargement or any change whatever.

SIGNATURE(S) GUARANTEED:
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                         THE  SIGNATURE(S) SHOULD  BE  GUARANTEED BY AN ELIGIBLE
                         GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND
                         LOAN ASSOCIATIONS, AND CREDIT UNIONS WITH MEMBERSHIP IN
                         AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM)
                         PURSUANT TO S.E.C. RULE 17Ad-15.

Countersigned and Registered:

                          Transfer Agent and Registrar



                          By:
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                                  Authorized Signature