~~Table~~SECURITIES ofAND ~~Contents~~EXCHANGE COMMISSION

~~SECURITIES~~Washington, ~~AND~~D.C. ~~EXCHANGE COMMISSION~~20549

~~Washington,~~FORM ~~D.C. 20549~~8-K

~~FORM~~CURRENT ~~8-K~~REPORT

~~CURRENT~~Pursuant ~~REPORT~~to Section 13 or 15(d) of the Securities and Exchange Act of 1934

~~Pursuant~~Date toof ~~Section 13~~Report ~~or 15~~(d)Date of ~~the~~earliest ~~Securities~~event ~~and~~reported) ~~Exchange~~October 30, ~~Act of 1934~~2003

~~Date~~FRANKLIN ofFINANCIAL ~~Report (Date of earliest event reported) July 25, 2003~~CORPORATION

~~FRANKLIN~~(Exact ~~FINANCIAL~~name ~~CORPORATION~~of registrant as specified in its charter)

(Exact name of registrant as specified in its charter)


Tennessee	0-24133	62-1376024

(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

Tennessee	0-24133	62-1376024
230 Public Square, Franklin, Tennessee	37064
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
(Address of principal executive offices)	(Zip Code)

230 Public Square, Franklin, Tennessee		37064
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (615) 790-2265

~~Registrant’s telephone number, including area code (615) 790-2265~~N/A

~~N/A~~(Former name or former address, if changed since last report)

~~(Former~~Item 12. ~~name~~Results orof ~~former~~Operation ~~address,~~and ifFinancial ~~changed since last report)~~Condition

~~TABLE~~ Franklin OFFinancial ~~CONTENTS~~Corporation (the “Company”) reported its unaudited results of operations for the three and nine months ended September 30, 2003 and its unaudited financial condition as of September 30, 2003 in a press release dated October 30, 2003, attached hereto as Exhibit 99.1.

~~SIGNATURES~~ The ~~EXHIBIT~~information ~~INDEX~~in ~~EX-~~the preceding paragraph, as well as Exhibit 99.1 referenced ~~PRESS~~therein, ~~RELEASE~~shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference.

~~Table of Contents~~2

~~Item 7. Financial Statements and Exhibits.~~SIGNATURES

~~(c)~~ Pursuant ~~Exhibits:~~to ~~99.1~~the ~~Press~~requirements ~~release~~of ~~announcing~~ the ~~Company’s~~Securities ~~results~~Exchange ~~for~~Act of 1934, the Registrant ~~quarter~~has ~~ended~~duly ~~June~~caused ~~30,~~this ~~2003~~Current ~~and~~Report ~~its~~on ~~financial~~Form 8-K ~~condition~~to asbe ofsigned ~~June~~on ~~30,~~its behalf ~~2003~~by the undersigned hereunto duly authorized.

Item 9. Regulation FD Disclosure


	FRANKLIN FINANCIAL CORPORATION

	By:	/s/ Kelly Swartz

		Kelly Swartz, Chief Financial Officer

Dated: October 30, 2003

~~Franklin Financial Corporation (the “Company”) reported its unaudited~~3 ~~results of operations for the three and six months ended June 30, 2003 and its~~ ~~unaudited financial condition as of June 30, 2003 in a press release dated July 25, 2003, attached hereto as Exhibit 99.1 (the “Earnings Release”).~~

~~Item 12.~~EXHIBIT ~~Results of Operation and Financial Condition~~INDEX

The information under this caption is furnished by the Company under Item 9 in place of Item 12 of Form 8-K in accordance with interim guidance provided by the Securities and Exchange Commission in Release No. 33-8216 issued March 27, 2003. The Earnings Release reports the financial results of the Company for the quarter ended June 30, 2003.


Exhibit Number		Description of Exhibit

99.1		Press release announcing the Company’s results for the quarter ended September 30, 2003 and its financial condition as of September 30, 2003.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL CORPORATION

By: /s/ Lisa Musgrove Lisa Musgrove, Chief Financial Officer Dated: July 28, 2003

EXHIBIT INDEX

Exhibit
Number		Description of Exhibit
99.1		Press release announcing the Company’s results for the quarter ended June 30, 2003 and its financial condition as of June 30, 2003.

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