FIRST FRANKLIN FINANCIAL CORP
10-Q, EX-99, 2000-08-14
PERSONAL CREDIT INSTITUTIONS
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                     1st FRANKLIN FINANCIAL CORPORATION

                             INDEX TO EXHIBITS


Exhibit No.                                                        Page No.
-----------                                                        --------

     19      Quarterly Report to Investors for
               the Six Months Ended June 30, 2000 ...............      4

     27      Financial Data Schedule ............................     13



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