EXHIBIT 99.1

          CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
           PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

                  In connection with the accompanying Quarterly Report on Form
         10-Q of Franklin Finance Corporation for the quarter ended September
         30, 2002, I, David L. Shelp, President, Chief Executive Officer and
         Chief Financial Officer of Franklin Finance Corporation hereby certify
         pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
         of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and
         belief, that:


                  (1)      such Quarterly Report on Form 10-Q of Franklin
                           Finance Corporation for the quarter ended September
                           30, 2002, fully complies with the requirements of
                           Section 13(a) or 15(d) of the Securities Exchange Act
                           of 1934; and

                  (2)      the information contained in such Quarterly Report on
                           Form 10-Q of Franklin Finance Corporation for the
                           quarter ended September 30, 2002, fairly presents, in
                           all material respects, the financial condition and
                           results of operations of Franklin Finance
                           Corporation.

                           /s/ David L. Shelp
                           -------------------------------------------------
November 13, 2002          David L. Shelp
                           Director, President, Chief Executive Officer and
                           Chief Financial Officer
                           (Principal executive and principal financial officer)






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