Exhibit 4


                               [STOCK CERTIFICATE]
                                     [FRONT]


                         INCORPORATED UNDER THE LAWS OF
                                    VIRGINIA

NUMBER                                            SHARES


                     MID-ATLANTIC COMMUNITY BANKGROUP, INC.
                           GLOUCESTER, VIRGINIA 23061
                   Authorized Common Stock 10,000,000 Shares


This Certifies that _______________________________


is the owner of  ___________________________________  Shares of the Common Stock
of 
                     MID-ATLANTIC COMMUNITY BANKGROUP, INC.
transferable only on the books of the Corporation by the holder hereof in person
or by 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 its  Corporate  Seal to be hereunto
affixed this __________ day of ___________ A.D.

Dated



SECRETARY                                          PRESIDENT





                           [BACK OF STOCK CERTIFICATE]

                     MID-ATLANTIC COMMUNITY BANKGROUP, INC.
                           Gloucester, Virginia 23061

         The following  abbreviations,  when used in the inscription on the face
of this certificate,  shall be construed as though they were written out in full
according to applicable laws or regulations:



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


     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
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represented by the within Certificate,  and do hereby irrevocably constitute and
appoint

                                                                       Attorney
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to transfer  the said Shares on the books of the within named  Corporation  with
full power of substitution in the premises.



- -------------------------                    ----------------------------------
       Dated                                      Signature


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       Dated                                      In presence of