EXHIBIT 23.1

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statement Nos.
333-52928, 333-76134, 333-65363, 333-65361 and 333-65359 of Franklin Financial
Corporation on Form S-8 of our report dated March 19, 2002, appearing in this
Annual Report on Form 10-K of Franklin Financial Corporation for the year ended
December 31, 2001.

/s/ DELOITTE & TOUCHE LLP
Nashville, Tennessee
March 29, 2002