Exhibit 5.1


                       FOULSTON & SIEFKIN
                   700 Fourth Financial Center
                      Wichita, Kansas 67202

                         (316) 267-6371


                         October 5, 1994



Fourth Financial Corporation
100 North Broadway
Wichita, Kansas 67202


          Re:  Registration Statement
               Form S-4 (Oklahoma Savings, Inc.)

Dear Sirs:

          In connection with the proposed public offering by Fourth
Financial Corporation (the "Company") of 372,262 shares (the
"Shares") of its Common Stock, par value $5.00, to be issued by the
Company in connection with consummation of a merger pursuant to an
Agreement and Plan of Reorganization, dated as of July 21, 1994,
among Fourth Financial Corporation and Oklahoma Savings, Inc. and
a related Agreement of Merger (collectively, the "Agreement"), we
have examined the corporate records and proceedings of the Company,
the Agreement, and the above described Registration Statement (the
"Registration Statement") with respect to:


               1.   The organization of the Company;


               2.   The legal sufficiency of all corporate
          proceedings of the Company taken in connection with the
          creation, issuance, the form and validity, and full
          payment and nonassessability, of all the presently
          outstanding and issued stock of the Company; and


               3.   The legal sufficiency of all corporate
          proceedings of the Company taken in connection with the
          creation, issuance, and the form and validity of the
          Shares, and full payment and nonassessability, when
          issued pursuant to the Agreement, of the Shares.


          Based upon such examination, we are of the opinion that:

          (a)  Fourth Financial Corporation is duly organized and
validly existing in good standing under the laws of the State of
Kansas;

          (b)  The Company is authorized to have issued and
outstanding 50,000,000 shares of Common Stock of the par value of
$5.00 per share;

          (c)  The Company has taken all necessary and required
corporate proceedings in connection with the creation and issuance
of all the presently issued and outstanding Common Stock of the
Company, and all of said stock so issued has been validly issued,
is fully paid and nonassessable, and in all respects is in proper
form and valid;

          (d)  When the Registration Statement shall have been
declared effective by order of the Securities and Exchange
Commission, the Agreement shall have been duly approved and adopted
by the stockholders of Oklahoma Savings, Inc., and the Shares shall
have been issued upon the terms and conditions set forth in the
Agreement, then the Shares will be validly issued and outstanding,
fully paid, and nonassessable.


          We hereby consent (1) to be named in the Registration
Statement, and in the Proxy Statement-Prospectus which constitutes
a part thereof, as the attorneys who will pass upon legal matters
in connection with the sale of the Shares covered by the
Registration Statement, and (2) to the filing of this opinion as
Exhibit 5.1 to the Registration Statement.


                                Very truly yours,

                                /s/ Foulston & Siefkin

                                FOULSTON & SIEFKIN