EXHIBIT 4

                                STOCK CERTIFICATE








                                    SPECIMEN

                                STOCK CERTIFICATE

NUMBER:                                            SHARES:
                                                   RESTRICTED STOCK

             Incorporated under the laws of the State of Wisconsin.

                            BLOOMER BANCSHARES, INC.

                   Authorized Common 6,000 Shares No Par Value

     This certifies that  __________________  is the owner of  _________________
(common shares--no par value) full paid and  non-assessable  transferable on the
books of the Corporation 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  sealed  with  the  Seal  of the
Corporation this _____ day of ___________ A.D., 19___.


- - ----------------------------                  -----------------------------
Secretary                                     President


ON REVERSE:

     FOR VALUE RECEIVED,  _____ hereby sell, assign and transfer unto __________
__________________________________________  Shares  represented  by  the  within
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 in the premises.

Dated ______________________, 19___.

In presence of:

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

          THE SHARES REPRESENTED BY THIS CERTIFICATE AND ANY SALE, TRANSFER,  OR
          OTHER  DISPOSITION  THEREOF  ARE  RESTRICTED  UNDER AND SUBJECT TO THE
          TERMS AND  CONDITIONS  CONTAINED IN ARTICLE 5(C) OF THE  CORPORATION'S
          ARTICLES OF  INCORPORATION,  A COPY OF WHICH IS ON FILE AT THE OFFICES
          OF THE CORPORATION.