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EXHIBIT 23.1
INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in this Registration Statement of
Franklin Financial Corporation and Franklin Capital Trust I on Form S-2 of our
report dated March 6, 2000, included and incorporated by reference in the Annual
Report on Form 10-K of Franklin Financial Corporation for the year ended
December 31, 1999, and to the use of our report dated March 6, 2000, appearing
in the Prospectus, which is part of this Registration Statement. We also consent
to the reference to us under the headings "Selected Financial Data" and
"Experts" in such Prospectus.
/s/ Deloitte & Touche LLP
Nashville, Tennessee
June 5, 2000
