EXHIBIT 4.1

           INCORPORATED UNDER THE LAWS OF THE STATE OF NORTH CAROLINA

                            RBC CENTURA BANKS, INC.

     The Corporation is authorized to issue 2,500,000,000 Common Shares - No Par
Value

     This Certifies that SPECIMEN is the owner of non-assessable Shares of the
above Corporation transferable only on the books of the Corporation by the
holder hereof in person or by duly authorized Attorney upon surrender of this
Certificate properly endorsed.

     In Witness Whereof, the said Corporation has caused this Certificate to be
signed by its duly authorized officers and to be sealed with the Seal of the
Corporation.

Dated ______________________