EXHIBIT 4.1

Number _______	Southern Security Bank Corporation	Shares ______
	Incorporated under the Laws of the State of Delaware
THIS CERTIFIES THAT:	[COMMON STOCK]	CUSIP 843803 30 5
IS THE OWNER OF

FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF $.01 PAR VALUE EACH OF
SOUTHERN SECURITY BANK CORPORATION
transferable on the books of the Corporation in person or by attorney upon surrender of this certificate duly endorsed or assigned.  This certificate and the shares represented hereby are subject to the laws of the State of Delaware, and to the Certificate of Incorporation and Bylaws of the Corporation, as now or hereafter amended.  This certificate is not valid until countersigned by the Transfer Agent.

            WITNESS the facsimile seal of the Corporation and the facsimile signatures of its duly authorized officers.

Dated:______________	Countersigned:
____________________________ Harold L. Connell President	____________________________ Floyd D. Harper Treasurer

[SEAL]

[BACK OF CERTIFICATE]

            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
TEN ENT - as tenants by the entireties	(Cust)      (Minor)
JT TEN - as joint tenants with right of                 survivorship and not as tenants                 in common	under Uniform Gifts to Minors Act.........                                                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 or other
Identifying number of assignee:

___________________________

(Please print or type where name and address, including zip code, or assignee)

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

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

Dated:_____________________

                                                                            ___________________________________________

                                                                            Notice:  The signature to this assignment must correspond
                                                                            with the name as written upon the face of the certificate in
                                                                            every particular, without alteration or enlargement or any
                                                                            change whatsoever.

THE CORPORATION WILL FURNISH TO ANY STOCKHOLDER, UPON REQUEST AND WITHOUT CHARGE.  A FULL STATEMENT OF THE DESIGNATIONS, RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS OF THE SHARES OF EACH CLASS AND SERIES AUTHORIZED TO BE ISSUED, SO FAR AS THE SAME HAVE BEEN DETERMINED, AND OF THE AUTHORITY, IF ANY, OF THE BOARD TO DIVIDE THE SHARES INTO CLASSES OR SERIES AND TO DETERMINE AND CHANGE THE RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS OF ANY CLASS OR SERIES.  SUCH REQUEST MAY BE MADE TO THE SECRETARY OF THE CORPORATION OR TO THE TRANSFER AGENT NAMED ON THIS CERTIFICATE.

THE SIGNATURE TO THE ASSIGNMENT MUST CORRESPOND TO THE NAME AS WRITTEN UPON THE FACE OF THIS CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATSOEVER, AND MUST BE GUARANTEED BY A COMMERCIAL BANK OR TRUST COMPANY OR A MEMBER FIRM OF A NATIONAL OR REGIONAL OR OTHER RECOGNIZED STOCK EXCHANGE IN CONFORMANCE WITH A SIGNATURE GUARANTEE MEDALLION PROGRAM.