Exhibit 99.4

[ ]LOGO: Atlantic Liberty Financial Corp.
Subscription & Community Stock Order Form
BANK Atlantic Liberty
USE Savings, F.A.
Conversion Center
xxx xxxxxx Street
xxxxxxx, xxxxxxxx xxxxx
(xxx) xxx-xxxx

[ ]
IMPORTANT-PLEASE NOTE: A Expiration Date
properly completed original for Stock Order
stock order form must be used to Forms:
subscribe for common stock. Xxxxxx, xxxxx xx,
Copies of this form are not 2002
required to be accepted. Please x:00 p.m., New York
read the Stock Ownership Guide Time
and Stock Order Form
Instructions as you complete
this form.
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Subscription
Price
(1) Number of Shares X $10.00 = (2) Total Payment Due

The minimum number of shares that may be subscribed for is 25 and the maximum
number of shares that may be subscribed for in the subscription offering is
xx,000 shares. See Instructions.

(3) Employee/Officer/Director Information
Check here if you are an employee, officer or director of Atlantic Liberty
Savings, F.A. or a member of such person's immediate family living in the same
household.

(4) Method of Payment/Check Check Amount

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Enclosed is a check, bank draft or money order made payable to Atlantic Liberty
Savings, F.A. in the amount indicated in this box.

(5) Method of Payment/Withdrawal
The undersigned authorizes withdrawal from the following account(s) at Atlantic
Liberty Savings, F.A. There is no early withdrawal penalty for this form of
payment. Individual Retirement Accounts or Qualified Plans maintained at
Atlantic Liberty Savin gs, F.A. cannot be used unless special transfer
arrangements are made.
Bank
Amount Number(s) to Withdraw $ Withdrawal Amount(s) Use

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Total Withdrawal Amount $______________________________________________________

(6) Purchaser Account Information

a.[] Check here if you are an Eligible Account Holder with a deposit account(s)
totalling $50.00 or more on March 31, 2001. List account(s) below.

b.[]Checkhere if you are a Supplemental Eligible Account Holder with a deposit
account(s) totalling $50.00 or more on June 30, 2002. List account(s)
below.

c.[]Checkhere if you are an Other Member with a deposit account(s) or loan(s) as
of xxxxxxx xx, 2002. List account(s) below. (3) (6) Check Amount

Account Title Account Number(s) Bank
(Names on Accounts) Use

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PLEASE NOTE: FAILURE TO LIST ALL YOUR ACCOUNTS MAY RESULT IN THE LOSS OF PART OR
ALL OF YOUR SUBSCRIPTION RIGHTS. IF ADDITIONAL SPACE IS NEEDED, PLEASE UTILIZE
THE BACK OF THIS STOCK ORDER FORM.

(7) Stock Registration/Form of Stock Ownership

[]Individual []Joint Tenants []Tenants in Common
[]Fiduciary (i.e. trust estate) []Company/Corp/Partnership
[]Uniform Transfers to Minors Act []IRA or other qualified plan
(beneficial owners ss# above)

(8) Name(s) in which stock is to be registered (please print clearly)

Adding the names of other persons who are not owners of your qualifying accounts
will result in your order becoming null and void.

Name(s) ___________________________ Social Security # or Tax ID _____________
Name(s) continued _________________ Social Security # or Tax ID______________
Street Address ____________________ County of Residence______________________
City______________ State____ Zip Code__________

(9)Telephone Daytime (____________) Evening (_____________)

(10) NASD Affiliation
[]Check here if you are a member of the National Association of Securities
Dealers, Inc. ("NASD"), a person affiliated, or associated, with an NASD member,
(continued on reverse side of this form) member of the have submitted other

(11) Associates/Acting In Concert
[]Check here and complete the reverse side of this form, if you or any
associates or persons acting in concert with you have submitted orders for
shares.

(12) Acknowledgment
To be effective, this stock order form and accompanying certification form must
be properly completed and physically received by Atlantic Liberty Savings, F.A.
no later than x:00 p.m., New York Time, on Xxxxxx, xxxxx xx, 2002, unless
extended; otherwise this stock order form and all subscription rights will be
void. The undersigned agrees that after receipt by Atlantic Liberty Savings,
F.A., this stock order form may not be modified, withdrawn or canceled without
the Bank's consent and if authorization to withdraw from deposit accounts at
Atlantic Liberty Savings, F.A. has been given as payment for shares; the amount
authorized for withdrawal shall not otherwise be available for withdrawal by the
undersigned. Under penalty of perjury, I hereby certify that the Social Security
or Tax ID Number and the information provided on this stock order form is true,
correct and complete, that I am not subject to back-up withholding, and that I
am purchasing shares solely for my own account and that there is no agreement or
understanding regarding the sale or transfer of such shares, or my right to
subscribe for shares. It is understood that this stock order form will be
accepted in accordance with, and subject to, the terms and conditions of the
plan of conversion of the Bank described in the accompanying prospectus. The
undersigned hereby acknowledges receipt of the prospectus at least 48 hours
prior to delivery of this stock order form to the Bank.
Federal regulations prohibit any person from transferring, or entering into any
agreement, directly or indirectly, to transfer the legal or beneficial ownership
of subscription rights or the underlying securities to the account of another.
Atlantic Liberty Savings, F.A. and Atlantic Liberty Financial Corp. will pursue
any and all legal and equitable remedies in the event they become aware of the
transfer of subscription rights and will not honor orders known by them to
involve such transfer. Signature Signature Date Date

BANK USE BANK USE

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Signature_________________Date_________Signature__________________Date_________

THE CERTIFICATION FORM ON THE REVERSE SIDE MUST BE SIGNED

Item (6) Purchaser Account Information - a, b & c continued:

Account Title (Names on Accounts) Account Number(s) Bank
Use

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Item (10) NASD continued:
a member of the immediate family of any such person to whose support such person
contributes, directly or indirectly, or the holder of an account in which an
NASD member or person associated with an NASD member has a beneficial interest.
To comply with conditions under which an exemption from the NASD's
Interpretation With Respect to Free-Riding and Accounts) Withholding is
available, you agree, if you have checked the NASD Affiliation box, (i) not to
sell, transfer or hypothecate the stock for a period of three months following
issuance, and (ii) to report this subscription in writing to the applicable NASD
member within one day of payment therefor.

Item (11) Associates continued: List below all other orders submitted by you or
associates (as defined) or by persons acting in concert with you.

Name(s) listed on other stock order forms Number of Name(s) listed on other stock order forms Number of
Shares Ordered continued Shares Ordered

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"Associate" is defined as: (i) any corporation or organization (other than
Atlantic Liberty Financial Corp., Atlantic Liberty Savings, F.A. or any
majority-owned subsidiary thereof) of which such person is an officer, trustee
or partner or is, directly or indirectly, the beneficial owner of 10% or more of
any class of equity securities of the corporation or organization; (ii) any
trust or other estate in which such person has a substantial beneficial interest
or as to which such person serves as trustee or in a similar fiduciary capacity
(exclusive of any of any tax-qualified employee stock benefit plan); (iii) any
person who is related by blood or marriage to such person, and (1) lives in the
same home as such person, or (2) is a director or senior officer of Atlantic
Liberty Savings, F.A. or any affiliate thereof; and (iv) any person Acting in
Concert with any of the persons or entities specified in clauses (i) through
(iii) above; provided, however, that any Tax-Qualified or Non-Tax-Qualified
Employee Stock Benefit Plan shall not be deemed to be an Associate of any
director, or officer of Atlantic Liberty Financial Corp. or Atlantic Liberty
Savings, F.A., to the extent provided in the plan. When used to refer to a
person other than an officer or director of Atlantic Liberty Savings, F.A., or
Atlantic Liberty Financial Corp., Atlantic Liberty Savings, F.A. in its sole
discretion may determine the persons that are Associates of other persons.
Directors of Atlantic Liberty Financial Corp. and Atlantic Liberty Savings, F.A.
shall not be deemed to be Associates solely as a result of their membership on
any such board or boards.

YOU MUST SIGN THE FOLLOWING CERTIFICATION IN ORDER TO PURCHASE STOCK

CERTIFICATION FORM
I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
FEDERALLY INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION,
AND IS NOT INSURED OR GUARANTEED BY ATLANTIC LIBERTY FINANCIAL CORP., ATLANTIC
LIBERTY SAVINGS, F.A., THE FEDERAL GOVERNMENT OR BY ANY GOVERNMENT AGENCY. THE
ENTIRE AMOUNT OF AN INVESTOR'S PRINCIPAL IS SUBJECT TO LOSS.

If anyone asserts that this security is federally insured or guaranteed, or is
as safe as an insured deposit, I should call the Office of Thrift Supervision,
Regional Director of the Northeast Regional Office at (xxx) xxx-xxxx.

I further certify that, before purchasing the common stock, par value $0.01 per
share, of Atlantic Liberty Financial Corp. (the "Company"), the proposed holding
company for Atlantic Liberty Savings, F.A., I received a prospectus of the
Company dated xxxxxxx xx, 2002 relating to such offer of common stock.
The prospectus that I received contains disclosure concerning the nature of the
common stock being offered by the Company and describes in the "Risk Factors"
section beginning on page xx, the risks involved in the investment in this
common stock, including but not limited to the following:

1. xxxxx
2. xxxxx
3. xxxxx
4. xxxxx
5. xxxxx
6. xxxxx
7. xxxxx
8. xxxxx
9. xxxxx
10. xxxxx
11. xxxxx
12. xxxxx
13. xxxxx
14. xxxxx
15. xxxxx

(By Executing this Certification Form the Investor is Not Waiving Any Rights
Under the Federal Securities Laws, Including the Securities Act of 1933
and the Securities Exchange Act of 1934)

Signature_________________Date_________Signature__________________Date_________
Print Name_____________________________Print Name______________________________

THIS CERTIFICATION MUST BE SIGNED IN ORDER TO PURCHASE STOCK

[Logo] Atlantic Liberty Financial Corp.

Stock Ownership Guide
Individual
Include the first name, middle initial and last name of the shareholder. Avoid
the use of two initials. Please omit words that do not affect ownership rights,
such as "Mrs.", "Mr.", "Dr.", "special account", "single person", etc.

Joint Tenants
Joint tenants with right of survivorship may be specified to identify two or
more owners. When stock is held by joint tenants with right of survivorship,
ownership is intended to pass automatically to the surviving joint tenant(s)
upon the death of any joint tenant. All parties must agree to the transfer or
sale of shares held by joint tenants.

Tenants in Common
Tenants in common may also be specified to identify two or more owners. When
stock is held by tenants in common, upon the death of one co-tenant, ownership
of the stock will be held by the surviving co-tenant(s) and by the heirs of the
deceased co-tenant. All parties must agree to the transfer or sale of shares
held by tenants in common.

Uniform Transfers to Minors Act ("UTMA")
Stock may be held in the name of a custodian for a minor under the Uniform
Transfers to Minors Act of each state. There may be only one custodian and one
minor designated on a stock certificate. The standard abbreviation for Custodian
is "CUST", while the Uniform Transfers to Minors Act is "UTMA". Standard U.S.
Postal Service state abbreviations should be used to describe the appropriate
state. For example, stock held by John Doe as custodian for Susan Doe under the
New York Uniform Transfers to Minors Act will be abbreviated John Doe, CUST
Susan Doe UTMA NY (use minor's social security number).

Fiduciaries
Information provided with respect to stock to be held in a fiduciary capacity
must contain the following:

|X| The name(s) of the fiduciary. If an individual, list the first name,
middle initial and last name. If a corporation, list the full
corporate title (name). If an individual and a corporation, list the
corporation's title before the individual.
|X| The fiduciary capacity, such as administrator, executor, personal
representative, conservator, trustee, committee, etc.
|X| A description of the document governing the fiduciary relationship,
such as a trust agreement or court order. Documentation establishing a
fiduciary relationship may be required to register your stock in a
fiduciary capacity.
|X| The date of the document governing the relationship, except that the
date of a trust created by a will need not be included in the
description.
|X| The name of the maker, donor or testator and the name of the
beneficiary.

An example of fiduciary ownership of stock in the case of a trust is: John Doe,
Trustee Under Agreement Dated 10-1-97 for Susan Doe.

Stock Order Form Instructions

Items 1 and 2 - Number of Shares and Total Payment Due
Fill in the number of shares that you wish to purchase and the total payment
due. The amount due is determined by multiplying the number of shares by the
subscription price of $10.00 per share. The minimum purchase in the subscription
offering is 25 shares. As more fully described in the plan of conversion
outlined in the prospectus, the maximum purchase in the subscription offering is
$x00,000 (x0,000 shares), and the maximum purchase in the community offering (if
held) by any person, is $x00,000 (x0,000 shares). However, no person, together
with associates and persons acting in concert with such person, may purchase in
the aggregate more than $x,xx,000 (xxx,xxx shares) of common stock.

Item 3 - Employee/Officer/Trustee Information
Check this box to indicate whether you are an employee, officer or trustee of
Atlantic Liberty Savings, F.A. or a member of such person's immediate family
living in the same household.

Item 4 - Method of Payment by Check
Indicate the total check(s) amount in this box if your method of payment is by
check, bank draft or money order. Payment for shares may be made in cash (only
if delivered by you in person to a full service branch office of Atlantic
Liberty Savings, F.A.) or by check, bank draft or money order payable to
Atlantic Liberty Savings, F.A. Your funds will earn interest at Atlantic Liberty
Savings, F.A.'s passbook rate of interest until the conversion is completed. (DO
NOT MAIL CASH TO PURCHASE STOCK!)

Item 5 - Method of Payment by Withdrawal
If you pay for your stock by a withdrawal from a deposit account at Atlantic
Liberty Savings, F.A., indicate the account number(s) and the amount of your
withdrawal authorization for each account. The total amount withdrawn should
equal the amount of your stock purchase. There will be no penalty assessed for
early withdrawals from certificate accounts used for stock purchases. This form
of payment may not be used if your account is an Individual Retirement Account
or Qualified Plan.

Item 6 - Purchaser Information

a. Check this box if you are an Eligible Account Holder with a deposit
account(s) totalling $50.00 or more on March 31, 2001.
b. Check this box if you are a Supplemental Eligible Account Holder with
a deposit account(s) totalling $50.00 or more on xxxxxxxx xx, 2002.
c. Check this box if you are an Other Member with a deposit account(s) or
loan(s) as of xxxxxxx xx, 2002.

Please list all names and all account numbers on accounts you had at these dates
in order to insure proper identification of your purchase rights.

Note: Failure to list all your accounts or loans may result in the
loss of part or all of your subscription rights.

Items 7, 8 and 9 - Stock Registration/Form of Stock Ownership, Names and
Telephone Number
The stock transfer industry has developed a uniform system of shareholder
registrations that will be used in the issuance of your Atlantic Liberty
Financial Corp. common stock. Complete items 7, 8 and 9 as fully and accurately
as possible, and be certain to supply your social security or Tax I.D. number(s)
and your daytime and evening telephone number(s). We may need to call you if we
cannot execute your order as given. If you have any questions regarding the
registration of your stock, please consult your legal advisor. Stock ownership
must be registered in one of the ways described above under "Stock Ownership
Guide".

Adding the names of other persons who are not owners of your
qualifying account(s) will result in your order becoming null and void.

Item 10 - NASD Affiliation
Check this box if you are a member of the NASD or if this item otherwise applies
to you.

Item 11 - Associates Acting in Concert
Check this box if you or any associate (as defined on the reverse side of the
stock order form) or person acting in concert with you has submitted another
order for shares and complete the reverse side of the stock order form.

Item 12 - Acknowledgement
Sign and date the stock order form and certification form where indicated.
Before you sign, review the stock order form, including the acknowledgement, and
the certification form. Normally, one signature is required. An additional
signature is required only when payment is to be made by withdrawal from a
deposit account that requires multiple signatures to withdraw funds.

You may mail your completed stock order form and certification form in the
envelope that has been provided, or you may deliver your stock order form and
certification form to any full service branch office of Atlantic Liberty
Savings, F.A. Your stock order form and certification form, properly completed,
and payment in full (or withdrawal authorization) at the subscription price must
be physically received by Atlantic Liberty Savings, F.A. no later than x:00
p.m., New York Time, on Xxxxxx, xxxxx xx, 2002 or it will become void. If you
have any remaining questions, or if you would like assistance in completing your
stock order form and certification form, you may call our conversion center at
(xxx) xxx-xxxx, Monday through Friday, between the hours of 10:00 a.m. and 4:00
p.m. The conversion center will be closed for bank holidays.