<PAGE> 1
EXHIBIT 23.1
INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in the Registration Statements
(Nos. 33-92824, 333-65361, 333-65359 and 333-65363) each on Form S-8 of Franklin
Financial Corporation of our report dated May 15, 2000, relating to the
financial statements and related schedules for the Franklin Financial Employees
Retirement Savings Plan as of and for the years ended December 31, 1999 and
1998, which report appears in Exhibit 99 of this Amendment No. 1 to the Annual
Report on Form 10-K of Franklin Financial Corporation for the year ended
December 31, 1999.
/s/ Heathcott & Mullaly, P.C.
------------------------------------
Brentwood, Tennessee
June 28, 2000
