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EXHIBIT 23.1
INDEPENDENT AUDITORS' CONSENT
The Board of Directors
Franklin Financial Corporation:
We consent to the incorporation by reference in this Registration Statement of
Franklin Financial Corporation on Form S-8 of our report dated March 6, 2000,
appearing in the Annual Report on Form 10-K of Franklin Financial Corporation
for the year ended December 31, 1999 and to the reference to us under the
heading "Experts" in the Prospectus, which is part of this Registration
Statement.
DELOITTE & TOUCHE, LLP
Nashville, Tennessee
December 27, 2000
