EXHIBIT 99


                           First Franklin Corporation
                    4750 Ashwood Drive Cincinnati, Ohio 45241
                        (513) 469-8000 Fax (513) 469-5360


July 15, 2005
Cincinnati, Ohio

First Franklin Corporation (FFHS) Announces Earnings

First Franklin Corporation, the parent of Franklin Savings and Loan Company,
Cincinnati, Ohio today announced net income of $561,000 ($0.34 per basic share)
for the second quarter of 2005 and $722,000 ($0.44 per basic share) for the six
months ended June 30, 2005. This compares to earnings of $174,000 ($0.11 per
basic share) for the second quarter of 2004 and $455,000 ($0.28 per basic share)
for the six months ended June 30, 2004.

During the current quarter, Intrieve, Incorporated, the provider of our data
processing services, was acquired by Harland Financial Solutions, Inc. Both
Franklin Savings and its wholly-owned subsidiary, Madison Service Corporation,
had an investment in Intrieve which resulted in an approximate after-tax profit
of $400,000 ($0.24 per basic share).

Franklin Savings has eight locations in Greater Cincinnati. The Corporation's
common stock is traded on the Nasdaq National Market under the symbol "FFHS".

CONTACT:   Thomas H. Siemers
           President and CEO
           (513) 469-8000