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



March 16, 1998

Board of Directors
First Kansas Federal Savings Association
600 Main Street
Osawatomie, Kansas  66064

         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 1,553,938  shares
of common stock, par value $0.10 per share (the "Common Stock"), of First Kansas
Financial Corporation (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 First
Kansas Federal Savings  Association (the  "Association")  in connection with the
Association's  conversion from the mutual to the stock form of organization  and
reorganization into a wholly-owned subsidiary of the Company (the "Conversion").
As special  counsel to the  Association  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
March 16, 1998
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
First  Kansas  Federal  Savings  Association--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.