EXHIBIT 4

                                STOCK CERTIFICATE






                                    SPECIMEN

                                STOCK CERTIFICATE



     NUMBER:                                      SHARES:

                                                  RESTRICTED STOCK

     Incorporated under the laws of the State of Wisconsin.

                     Security Financial Services Corporation

                Authorized Common 24,000 Shares $100.00 Par Value

     This    certifies   that    ______________________    is   the   owner   of
______________________  (common  shares  --  $100.00  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
          OF THE  CORPORATION'S  ARTICLES  OF  INCORPORATION,  A COPY OF
          WHICH IS ON FILE AT THE OFFICES OF THE CORPORATION.