EXHIBIT 4









                                                                           

                                      CHARTERED UNDER THE LAWS OF THE UNITED STATES OF AMERICA

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        No.                                   No. MONADNOCK COMMUNITY BANCORP, INC. Shares                            Shares

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                                                    FULLY PAID AND NON-ASSESSABLE
                                                      PAR VALUE $0.01 PER SHARE

                                                                                                      THE SHARES REPRESENTED BY THIS
                                                                                                          CERTIFICATE ARE SUBJECT TO
                                                                                                      RESTRICTIONS, SEE REVERSE SIDE

THIS CERTIFIES that                                                                                                  is the owner of

                                                      SHARES OF COMMON STOCK OF

                                                  MONADNOCK COMMUNITY BANCORP, INC.
                                                        a Federal corporation

        The shares evidenced by this certificate are transferable only on the books of Monadnock Community Bancorp, Inc. by the
holder hereof, in person or by attorney, upon surrender of this certificate properly endorsed. The capital stock evidenced hereby is
not an account of an insurable type and is not insured by the Federal Deposit Insurance Corporation or any other Federal or state
governmental agency.

        IN WITNESS WHEREOF, Monadnock Community 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 seal to be hereunto affixed.



Date:
     ----------------------

By                                                                 [SEAL]            By
      -----------------------------------                                               --------------------------------------------
      KENNETH A. CHRISTIAN                                                              WILLIAM M. PIERCE, JR.,
      CORPORATE SECRETARY                                                               PRESIDENT AND CHIEF EXECUTIVE OFFICER




        The Board of Directors of Monadnock Community Bancorp, Inc. (the
"Company") is authorized by resolution or resolutions, from time to time
adopted, to provide for the issuance of more than one class of stock, including
preferred stock in series, and to fix and state the voting powers, designations,
preferences, limitations and restrictions thereof. The Company will furnish to
any shareholder upon request and without charge a full description of each class
of stock and any series thereof.

        The shares represented by this Certificate may not be cumulatively voted
on any matter.

        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 survivorship
                      and not as tenants in
                      common                                    ______________________________________
                                                                                (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 NUMBER OR OTHER IDENTIFYING NUMBER


________________________________________________________________________________
              (please print or typewrite name and address including
                          postal zip code of assignee)

________________________________________________________________________________

________________________________________________________________________________

Shares of the Common Stock 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 _______________________

In the presence of                    Signature:

_______________________________       __________________________________________

NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME OF THE
STOCKHOLDER(S) AS WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR,
WITHOUT ALTERATION OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.