EXHIBIT 99.1
Independent Accountants' Awareness Letter
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October 31, 2000
BankFirst Corporation
625 Market Street
Knoxville, Tennessee 37902
We have reviewed, in accordance with standards established by the AICPA, the
unaudited interim financial information of BankFirst Corporation (the "Company")
as of September 30, 2000 and for the quarter and year-to-date periods ended
September 30, 2000 and 1999 as indicated in our report dated October 31, 2000.
Because we did not perform an audit, we expressed no opinion on that
information.
We are aware that our report referred to above, which was included in your
quarterly report on Form 10-Q, is being incorporated by reference in the Form
S-8 Registration Statement.
We also are aware that our report referred to above, under Rule 436(c) under the
Securities Act of 1933, is not considered a part of the registration statement
prepared or certified by an accountant or a report prepared or certified by an
accountant within the meaning of Sections 7 and 11 of the Act.
Crowe, Chizek and Company LLP
