EXHIBIT 4



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CERTIFICATE No.                     [LOGO]                          COMMON STOCK
                                                                 PAR VALUE $0.10
                                                                          SHARES

INCORPORATED UNDER THE
LAWS OF THE STATE OF KANSAS                  SEE REVERSE FOR CERTAIN DEFINITIONS

                  THIS                                CUSIP No. ________________
                  CERTIFIES
                  THAT

                  IS THE
                  OWNER OF

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

                       FIRST KANSAS FINANCIAL CORPORATION

         The shares represented by this certificate are transferable only on the
stock  transfer books of the  Corporation by the holder of record hereof,  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  of the
Articles of Incorporation of the Corporation and any amendments  thereto (copies
of which are on file with the Secretary of the Corporation), and to all of these
provisions the holder by acceptance hereof, assents.

         In Witness Whereof,  First Kansas Financial Corporation has caused this
certificate  to be executed by the facsimile  signatures of its duly  authorized
officers and has caused its facsimile corporate seal to be hereunto affixed.

DATED:

____________________________                     _______________________________
PRESIDENT                                        SECRETARY
                                      SEAL
                                Incorporated 1998

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                       FIRST KANSAS FINANCIAL CORPORATION

         The Board of Directors of the  Corporation  is authorized by resolution
or resolutions, from time to time adopted, to provide for the issuance of serial
preferred  stock,  $0.10 par value per share, 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 affirmative vote of
the  holders of at least 80% of each class or series of the voting  stock of the
Corporation,  voting  separately  for each  class  or  series  entitled  to vote
separately and together as a single class for all classes or series not entitled
to vote separately,  shall be required to approve certain business  combinations
and other  transactions,  pursuant to the Articles of  Incorporation or to amend
certain  provisions  of the  Articles of  Incorporation.  In  addition,  persons
beneficially  owning,  directly  or  indirectly,  in  excess  of 10% of the then
outstanding  shares of the Common Stock of the Corporation  (the "Limit"),  will
not be entitled or  permitted to vote such shares in excess of the Limit and may
have their voting rights reduced below the Limit.

         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
JT TEN  -         as joint tenants with right of
                  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)

________________________________________________________________________________

________________________________________________________________________________

__________________________________________________________________ Shares 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 ________________________


                                       ___________________________________

         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.

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