FIRST FRANKLIN FINANCIAL CORP
10-Q, EX-99, 2000-11-13
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
                Nine Months Ended September 30, 2000 ........           4

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



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