CERTIFICATE No.                      [LOGO]                      COMMON STOCK
                                                                 PAR VALUE $0.10
                                                                          SHARES
INCORPORATED UNDER THE
LAWS OF THE STATE OF NEW JERSEY              SEE REVERSE FOR CERTAIN DEFINITIONS

                  THIS                                CUSIP No. ________________
                  CERTIFIES
                  THAT

                  IS THE
                  OWNER OF

FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK, PAR VALUE $0.10 PER SHARE, OF

                      AMERICAN BANCORP OF NEW JERSEY, INC.

     The shares  represented by this  certificate are  transferable  only on the
stock transfer  books of the Company by the holder of record  hereof,  or by his
duly  authorized  attorney or legal  representative,  upon the surrender of this
certificate  properly  endorsed.  This  certificate  and the shares  represented
hereby  are  issued  and  shall be held  subject  to all the  provisions  of the
Certificate  of  Incorporation  of the  Company  and Bylaws  and any  amendments
thereto (copies of which are on file with the Secretary of the Company),  and to
all  of  these  provisions  the  holder  by  acceptance  hereof,  assents.  This
certificate  is not valid unless  countersigned  and registered by the Company's
transfer agent and registrar.

                  THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND
                     IS NOT FEDERALLY INSURED OR GUARANTEED

     In Witness Whereof,  American  Bancorp of New Jersey,  Inc. has caused this
certificate  to be executed by the facsimile  signatures of its duly  authorized
officers and has caused its facsimile corporate seal to be hereunto affixed.

DATED:

-----------------------------------             --------------------------------
PRESIDENT                                               SECRETARY

                                      SEAL
                                Incorporated 2005



                      AMERICAN BANCORP OF NEW JERSEY, INC.

         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 TRANS MIN ACT -_______________Custodian_______________
                                                                             (Cus)                   (Minor)
TEN ENT -         as tenants by the entireties
                                                                    under Uniform Transfers to Minors
JT TEN  -         as joint tenants with right of
                  survivorship and not as tenants                   Act ___________________________
                  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 OR
OTHER IDENTIFYING NUMBER OF ASSIGNEE

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(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING ZIP CODE OF ASSIGNEE)

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Shares of the Common Stock  represented by the within  Certificate and do hereby
irrevocably constitute and appoint


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Attorney 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 whatever.

 THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED