Exhibit 16
August 5, 2005
Securities and Exchange Commission
Mail Stop 9-5
450 5th Street, N.W.
Washington, D.C. 20549
Ladies and Gentlemen:
We have read the comments made regarding us in Item 4 of Form 8-K of Franklin Financial Employees Retirement Savings Plan dated May 9, 2005 and filed August 5, 2005, and are in agreement with those statements.
/s/ Crowe Chizek and Company LLC
Brentwood, Tennessee