MALIZIA SPIDI & FISCH, PC
                                ATTORNEYS AT LAW

1100 NEW YORK AVENUE, N.W.                                      637 KENNARD ROAD
SUITE 340 WEST                                 STATE COLLEGE, PENNSYLVANIA 16801
WASHINGTON, D.C.  20005                                           (814) 466-6625
(202) 434-4660                                         FACSIMILE: (814) 466-6703
FACSIMILE: (202) 434-4661

May 29, 2002

Board of Directors
Synergy Financial Group, Inc.
310 North Avenue East
Cranford, New Jersey 07016

         Re:      Registration Statement Under the Securities Act of 1933
                  -------------------------------------------------------

Gentlemen:

         This opinion is rendered in connection with the Registration  Statement
on Form SB-2 (the "Form SB-2") filed with the Securities and Exchange Commission
under  the  Securities  Act of 1933  relating  to the  offer  and  sale of up to
1,150,000  shares of common  stock,  $10.00 per share (the "Common  Stock"),  of
Synergy Financial Group, Inc. (the "Company"),  including shares to be issued to
certain employee benefit plans of the Company and its  subsidiaries.  The Common
Stock is  proposed  to be issued  pursuant  to the Plan of Stock  Issuance  (the
"Plan") of the Company.  As special counsel to the Company, we have reviewed the
corporate  proceedings  relating  to the Plan of Stock  Issuance  and such other
legal matters as we have deemed  appropriate  for the purpose of rendering  this
opinion.

         Based on the foregoing, we are of the opinion that the shares of Common
Stock of the Company covered by the aforesaid  Registration Statement will, when
issued in  accordance  with the terms of the Plan against full payment  therefor
and upon the  declaration  of the  effectiveness  of the Form  SB-2,  be legally
issued, fully paid, and non-assessable shares of Common Stock of the Company.

         We assume no  obligation  to advise you of any event that may hereafter
be brought to our attention  that may affect any statement made in the foregoing
paragraph after the declaration of effectiveness of the Form SB-2.

         We hereby  consent to the use of this  opinion and to the  reference to
our firm  appearing in the  Company's  Prospectus  under the headings "The Stock
Offering  - Effects  of the Stock  Offering  - Tax  Effects"  and "Legal and Tax
Opinions."  We also consent to any  references  to our legal  opinion  under the
aforementioned headings in the Prospectus.

                                            Very truly yours,


                                            /s/MALIZIA SPIDI & FISCH, PC
                                            ----------------------------
                                            MALIZIA SPIDI & FISCH, PC