EXHIBIT 5.1



                          June 8, 1999




Board of Directors
JADE Financial Corp.
213 West Street Road
Feasterville, Pennsylvania 19053

Re:  Registration Statement on Form S-4
     JADE FINANCIAL CORP.

Ladies and Gentlemen:

     In connection with the proposed offering of up to 1,981,549
shares of common stock, par value $.01 per share (the "Common
Stock"), by JADE FINANCIAL CORP. (the "Company"), covered by the
Company's Registration Statement on Form SB-2 (the "Registration
Statement") filed with the Securities and Exchange Commission
under the Securities Act of 1933, as amended, with respect to
such Common Stock, we, as special counsel to the Company, have
reviewed:

     (1)  the Articles of Incorporation of the Company;

     (2)  the Bylaws of the Company;

     (3)  resolutions adopted by the Board of Directors of the
Company relating to the Registration Statement, certified by the
Secretary of the Company;

     (4)  a subsistence certificate with respect to the Company
issued by the Pennsylvania Department of State;

     (5)  the Registration Statement; and

     (6)  copies of the certificates representing shares of the
Common Stock.

     Based upon our review of the foregoing, it is our opinion
that:

     (a)  the Company has been duly incorporated under the laws
of the Commonwealth of Pennsylvania and is validly existing and
in good standing under the laws of such Commonwealth; and
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     (b)  the Common Stock covered by the Registration Statement
has been duly authorized and, when issued pursuant to the terms
described in the Registration Statement, will be legally issued
by the Company and fully paid and nonassessable.

     We consent to the filing of this opinion as an exhibit to
the Registration Statement and to the reference to us under the
heading "LEGAL AND TAX OPINIONS" in the related Prospectus.  In
giving this consent, we do not thereby admit that we come within
the category of persons whose consent is required under Section 7
of the Securities Act of 1933, as amended, or the rules and
regulations of the Securities and Exchange Commission thereunder.

                              Very truly yours,

                              /s/ Stevens & Lee  <PAGE 2>