SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

FORM 8-A

For Registration of Certain Classes of Securities
Pursuant to Section 12(b) or (g) of the
Securities Exchange Act of 1934



                JADE FINANCIAL CORP.
(Exact name of registrant as specified in its charter)


      Pennsylvania                           23-3002586
(State of Incorporation                       (I.R.S. Employer
   or organization)                          Identification No.)


   213 West Street Road
Feasterville, Pennsylvania                          19053
 (Address of principal                            (Zip Code)
  executive offices)


If this Form relates to the registration of a class of debt
securities and is effective upon filing pursuant to General
Instruction A.(c)(1), please check the following box.  [ ]

If this Form relates to the registration of a class of debt
securities and is to become effective simultaneously with the
effectiveness of a concurrent registration statement under the
Securities Act of 1933 pursuant to General Instruction A.(c)(2),
please check the following box.  [ ]

Securities to be registered pursuant to Section 12(b) of the Act:

     Title of each class           Name of each exchange on which
     to be so registered           each class is to be registered

           None                            Not Applicable


Securities to be registered pursuant to section 12(g) of the Act:

            Common Stock, $.01 Par Value Per Share
                         (Title of class)

Item 1.   Description of Registrant's Securities to be
          Registered.

     The description of the Registrant's Common Stock, $.01 par
value, is incorporated herein by reference to "DESCRIPTION OF
CAPITAL STOCK -- Common Stock" set forth in the Registrant's
Registration Statement No. 333-80183 on Form SB-2 filed with the
Commission on June 8, 1999.

Item 2.   Exhibits.

          1.   Specimen Common Stock Certificate (Incorporated
               herein by reference to Exhibit 4.1 of the
               Registrant's Registration Statement No. 333-80183
               on Form SB-2 filed with the Commission on June 8,
               1999).

          2.   Articles of Incorporation of JADE Financial Corp.
               (Incorporated herein by reference to Exhibit 3.1
               of the Registrant's Registration Statement
               No. 333-80183 on Form SB-2 filed with the
               Commission on June 8, 1999).

          3.   Bylaws of JADE Financial Corp.  (Incorporated
               herein by reference to Exhibit 3.2 of the
               Registrant's Registration Statement No. 333-80183
               on Form SB-2 filed with the Commission on June 8,
               1999).

                            SIGNATURE

     Pursuant to the requirements of Section 12 of the Securities
Exchange Act of 1934, the registrant has duly authorized this
registration statement to be signed on its behalf by the
undersigned, thereto duly authorized.

                              JADE FINANCIAL CORP.
                              (Registrant)


Date:  September 22, 1999          By:John J. O'Connell
                                     John J. O'Connell,
                                     Chairman and Chief Executive
                                     Officer

                          EXHIBIT INDEX

NUMBER         DESCRIPTION


 1.       Specimen Common Stock Certificate (Incorporated herein
          by reference to Exhibit 4.1 of the Registrant's
          Registration Statement No. 333-80183 on Form SB-2 filed
          with the Commission on June 8, 1999)

 2.       Articles of Incorporation of JADE Financial Corp.
          (Incorporated herein by reference to Exhibit 3.1 of the
          Registrant's Registration Statement No. 333-80183 on
          Form SB-2 filed with the Commission on June 8, 1999).

 3.       Bylaws of JADE Financial Corp. (Incorporated herein by
          reference to Exhibit 3.2 of the Registrant's
          Registration Statement No. 333-80183 on Form SB-2 filed
          with the Commission on June 8, 1999).