EXHIBIT 4.3 STATE OF DELAWARE OFFICE OF SECRETARY OF STATE ---------------------------------------- I, EDWARD J. FREEL, SECRETARY OF STATE OF THE STATE OF DELAWARE, DO HEREBY CERTIFY THE ATTACHED IS A TRUE AND CORRECT COPY OF THE CERTIFICATE OF BUSINESS TRUST REGISTRATION OF "UNITED COMMUNITY CAPITAL TRUST", FILED IN THIS OFFICE ON THE THIRTEENTH DAY OF JULY, A.D. 1998, AT 4:30 O'CLOCK P.M. [SEAL] /s/Edward J. Freel ------------------ Edward J. Freel, Secretary of State 2920059 8100 AUTHENTICATION: 9192970 981271113 DATE: 07-13-98 CERTIFICATE OF TRUST OF UNITED COMMUNITY CAPITAL TRUST THIS CERTIFICATE OF TRUST of United Community Capital Trust (the "Trust"), dated July 13th, 1998, is being duly executed and filed by Chase Manhattan Bank Delaware, a Delaware banking corporation, as trustee, to create a business trust under the Delaware Business Trust Act (12 Del. C. ss. 3801 et seq.). 1. Name. The name of the business trust created hereby is "United Community Capital Trust." 2. Delaware Trustee. The name and address of the trustee of the Trust in the State of Delaware is: Chase Manhattan Bank Delaware 1201 Market Street Wilmington, Delaware 19801 3. Effective Date. This Certificate of Trust shall be effective on July 13th, 1998. IN WITNESS whereof, the undersigned trustee of the Trust has executed this Certificate of Trust as of the date first written above. CHASE MANHATTAN BANK DELAWARE, not in its individual capacity, but solely as trustee By: /s/John J. Cashin ---------------------- Name: John J. Cashin Title: Vice-President STATE OF DELAWARE SECRETARY OF STATE DIVISION OF CORPORATIONS FILED 04:30 PM 07/13/1998 981271113-2920059