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EXHIBIT 23.1
INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in this Amendment No. 1 to
Registration Statement No. 333-38674 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 23, 2000
