EXHIBIT 5.1



                      MALIZIA, SPIDI, SLOANE & FISCH, P.C.
                                ATTORNEYS AT LAW
                               1301 K STREET, N.W.
                                 SUITE 700 EAST
                             WASHINGTON, D.C. 20005
                                 (202) 434-4660
                            FACSIMILE: (202) 434-4661

                                                     WRITER'S DIRECT DIAL NUMBER

December 22, 1997

Board of Directors
Quitman Bancorp, Inc.
100 West Screven Street
Quitman, Georgia 31643

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

Ladies and Gentlemen:

         This opinion is rendered in connection with the Registration  Statement
on Form SB-2 to be filed with the Securities and Exchange  Commission  under the
Securities Act of 1933 relating to the offer and sale of up to 661,250 shares of
common  stock,  par value  $0.10 per share  (the  "Common  Stock"),  of  Quitman
Bancorp, Inc. (the "Company"), including shares to be issued to certain employee
benefit plans of the Company and its subsidiary. The Common Stock is proposed to
be issued  pursuant to the Plan of  Conversion  (the "Plan") of Quitman  Federal
Savings  Bank  (the  "Savings  Bank")  in  connection  with the  Savings  Bank's
conversion  from a mutual savings bank form of  organization  to a stock savings
bank form of organization and reorganization  into a wholly-owned  subsidiary of
the Company (the  "Conversion").  As special counsel to the Savings Bank and the
Company, we have reviewed the corporate proceedings relating to the Plan and the
Conversion  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,
be validly issued, fully paid, and non-assessable  shares of Common Stock of the
Company.

         We assume no  obligation to advise you of changes that may hereafter be
brought to our attention.






Board of Directors
December 22, 1997
Page Two

         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
Conversion - Effects of Conversion to Stock Form on Depositors  and Borrowers of
Quitman Federal Savings Bank--Tax  Effects" and "Legal and Tax Matters." We also
consent  to  any  references  to  our  legal  opinion   referred  to  under  the
aforementioned headings in the Prospectus.


                                  Very truly yours,



                                  /s/Malizia, Spidi, Sloane & Fisch, P.C.
                                  MALIZIA, SPIDI, SLOANE & FISCH, P.C.