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

September 17, 2003

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 S-1 (the "Form S-1") filed with the Securities  and Exchange  Commission
under  the  Securities  Act of 1933  relating  to the  offer  and  sale of up to
9,588,125  shares of common stock (the  "Common  Stock"),  of Synergy  Financial
Group,  Inc. (the "Company"),  including shares to be exchanged  pursuant in the
Plan of  Conversion  and  Reorganization  and  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 Conversion and Reorganization (the
"Plan") of the Company.

         As special  counsel to the  Company,  we have  reviewed  the  corporate
proceedings  relating to the Plan 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  S-1,  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 S-1.

         We hereby  consent to the use of this  opinion and to the  reference to
our firm appearing in the Company's  Prospectus under the heading "Legal and Tax
Opinions."  We also  consent  to any  references  to this  legal  opinion in the
Prospectus.

                                              Very truly yours,


                                              /s/Malizia Spidi & Fisch, PC
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                                              MALIZIA SPIDI & FISCH, PC