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 Annual Report of the Franklin Financial Employees
Retirement Savings Plan (the "Plan") on Form 11-K for the year ended December
31, 2002 as filed with the Securities and Exchange Commission on the date hereof
(the "Report"), the undersigned, Gordon E. Inman, Trustee (Plan Administrator)
of the Plan, does hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of
my knowledge:

         (1)      The Report 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 the Report fairly presents, in
all material respects, the financial condition and results of operations of the
Plan.


                                     By:  /s/ Gordon E. Inman
                                          -----------------------------------
                                          Gordon E. Inman
                                          Trustee
                                          (Plan Administrator)
June 30, 2003