NUMBER                                                                 SHARES
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COMMON STOCK                                                         CUSIP _____
                                                                 SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

                                  EAGLE BANCORP
                INCORPORATED UNDER THE LAWS OF THE UNITED STATES


THIS CERTIFIES THAT


                                    SPECIMEN

is the owner of


              FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK,
                           PAR VALUE $.01 PER SHARE OF

EAGLE BANCORP.  (the  "Company").  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  incurable  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.

DATED

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Secretary                    SEAL                          President and Chief
                                                            Executive Officer