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Exhibit 5
[LETTERHEAD OF KENNEDY, BARIS & LUNDY, L.L.P.]
June 19, 2000
Board of Directors
United Financial Banking Companies, Inc.
8399 Leesburg Pike
Vienna, Virginia 22182
Re: Registration Statement on Form S-2
Gentlemen:
As counsel to United Financial Banking Companies, Inc. (the "Company") we
have participated in the preparation of the Company's Registration Statement on
Form S-2 (as amending the Company's Registration Statement on Form S-4) to be
filed with the Securities and Exchange Commission pursuant to the Securities Act
of 1933, as amended (the "Act"), relating to the registration of 644,150 shares
of the Company's Common Stock (the "Shares") and warrants to purchase up to
34,000 shares of the Company's Common Stock registered under the Securities Act
(the "Warrants" and the "Warrant Shares") (the Shares, the Warrants and the
Warrant Shares collectively, the "Securities") under the Securities Act of 1933,
as amended.
As counsel to the Company, we have examined such corporate records,
certificates and other documents of the Company, and made such examinations of
law and inquiries of such officers of the Company, as we have deemed necessary
or appropriate for purposes of this opinion. Based upon such examinations we are
of the opinion that the Securities have been duly authorized by the Board of
Directors, and, when issued in the manner set forth in the Registration
Statement, will be duly authorized, validly issued, fully paid and non-
assessable shares of the Common Stock of the Company.
We hereby consent to the inclusion of this opinion as an exhibit to the
Registration Statement on Form S-2 filed by the Company and the reference to our
firm contained therein under "Legal Matters."
Sincerely,
/s/ Kennedy, Baris & Lundy, L.L.P.
