Clem55's suggestion will work. I made all of my first quilts this way (even queen sized ones) and it is probably a good way to start. Make sure both layers are the same size, stitch right sides together leaving a 12" turning space, flip inside out, stitch the quilt opening shut. Smooth, flatten and pin really well and quilt from the middle out smoothing as you go. The quilt will need no binding as all edges are now inside and secure. You can top stitch around the outside of the quilt to give the illusion of a binding. My kids used quilts finished this way for years. It's just now that they are getting the other kind.