EXHIBIT 4


================================================================================
COMMON STOCK                                                       ______ SHARES
CERTIFICATE NO.               FLORIDAFIRST BANCORP
 
                             INCORPORATED UNDER THE
                            LAWS OF THE UNITED STATES

                                             CUSIP NO. ___________
                                             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

     The shares evidenced by this certificate are transferable only on the stock
transfer books of the Company 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
thereby are issued and shall be subject to all the  provisions  contained in the
Company's Charter and Bylaws (copies of which are on file with the Company), and
to all the provisions to which the holder, by acceptance hereof,  assents. These
shares are nonwithdrawable and are not of an insurable type. Such shares are not
insured by the Federal Deposit Insurance  Corporation,  the Bank Insurance Fund,
the Savings  Association  Insurance Fund or any other  government  agency.  This
certificate  is not valid unless  countersigned  and registered by the Company's
transfer agent and registrar.

     In Witness Whereof,  the Company 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.



 


- ------------------------------             -------------------------------------
Secretary                                  Gregory C. Wilkes
                                   SEAL    President and Chief Executive Officer
================================================================================



                              FLORIDAFIRST BANCORP

     The shares  represented by this  certificate  are issued subject to all the
provisions of the Charter and Bylaws of FloridaFirst Bancorp (the "Company"), as
from time to time amended  (copies of which are on file at the principal  office
of the Company),  to all of which the holder by acceptance  hereof assents.  The
following  description  constitutes a summary of certain  provisions  of, and is
qualified in its entirety by reference to, the Charter.

     The  Company  will  furnish  without  charge  to  each  stockholder  who so
requests,  a full statement of the designations and any preferences,  conversion
and other rights,  voting  powers,  restrictions,  limitations  as to dividends,
qualifications,  and terms and  conditions  of  redemption of the shares of each
class which the Company is authorized to issue,  the differences in the relative
rights and preferences between the shares of each such series of preferred stock
to the extent they have been set, and the authority of the Board of Directors of
the Company set the relative  rights and  preferences  of  subsequent  series of
preferred stock.  Such requests shall be made in writing to the Secretary of the
Company.

     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 TRAN MIN ACT -       Custodian 
                                                         ------         --------
                                                          (Cus)          (Minor)
TEN ENT - as tenants by the entireties
                                           under Uniform Transfers to Minors Act


JT TEN  - as joint tenants with right of             
          survivorship and not as tenants       --------------------------------
          in common                                       (State)

     Additional abbreviations may also be used though not in the above list.


     FOR VALUE RECEIVED,  ______________ hereby sell,  assign and transfer unto,
______________, ______________ shares of the  Common  Stock  evidenced  by  this
Certificate, and do hereby irrevocably constitute  and  appoint _______________,
Attorney,  to transfer the said shares on the books of  the  Company  with  full
power of substitution.

Dated 
      -------------------------

                                      ------------------------------------------
                                      Signature


                                      ------------------------------------------
                                      Signature



In presence of: 
                ---------------------------

NOTE:  THE SIGNATURE TO THIS  ASSIGNMENT  MUST  CORRESPOND  WITH THE NAME OF THE
STOCKHOLDER(S)  AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR,
WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER.