<PAGE>
EXHIBIT 4.1
<PAGE>
VALLEY COMMUNITY BANCSHARES, INC.
PUYALLUP, WASHINGTON 98372
Incorporated under the laws of the State of Washington
------------------ ------------------
CERTIFICATE NUMBER SHARES
------------------ ------------------
------------------ ------------------
THIS SEE REVERSE FOR
CERTIFIES CERTAIN DEFINITIONS
THAT
IS THE
OWNER OF
COMMON
FULLY PAID $1.00 PAR VALUE SHARES OF THE COMMON STOCK OF VALLEY
COMMUNITY BANCSHARES, INC., Transfereable only on the books of the
Corporation by the holder hereof or by duly authorized attorney upon
surrender of this certificate properly endorsed.
IN WITNESS WHEREOF, the Corporation has caused this certificate to
be signed by its duly authorized officers and its corporate seal to be
hereunto affixed.
DATED: [SEAL]
-------------------------------- ----------------------------
SECRETARY/ASSISTANT SECRETARY PRESIDENT/VICE PRESIDENT