EXHIBIT 4

                      Form of Certificate for Common Stock








                          EMPIRE FEDERAL BANCORP, INC.

              INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE


         COMMON STOCK                                                    CUSIP
                                                                 See Reverse For
                                                             Certain Definitions


THIS CERTIFIES THAT




is the owner of

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

Empire Federal Bancorp, Inc., a stock corporation incorporated under the laws of
the State of Delaware. 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. Such shares are
non-withdrawable and not insurable. Such shares are not insured by the Federal
government. The Certificate and shares represented hereby are issued and shall
be held subject to all provisions of the Articles of Incorporation and Bylaws of
the Corporation and any amendments thereto (copies of which are on file with the
Transfer Agent), to all of which provisions the holder by acceptance hereof,
assents.

IN WITNESS WHEREOF, Empire Federal Bancorp, Inc. 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.





CORPORATE SECRETARY                                              PRESIDENT

                                                            TRANSFER AGENT
                                     [SEAL]






                          Empire Federal Bancorp, Inc.


         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 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 following abbreviations, when used in the inscription on the face
of this Certificate, shall be construed as through they were written out in full
according to applicable laws or regulations.

        TEN COM           -as tenants in common
        TEN ENT           -as tenants by the entireties
        JT TEN            -as joint tenants with right of survivorship and
                           not as tenants in common
        UNIF GIFT MIN ACT -_______Custodian_______ under Uniform Gifts
                           (Cust)           (Minor)
                           to Minors Act _________
                                           (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

- --------------------------------------------------------------------------------

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                  Please print or typewrite name and address,
                     including postal zip code, of assignee

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__________________________________________________________________________
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 within named Corporation, with full power of
substitution.

Dated _________________

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

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

                                 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.