EXHIBIT 32.1
                                  CERTIFICATION

                       Pursuant to 18 U.S.C. Section 1350,
                             As Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002


     Pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to Section 906 of
the  Sarbanes-Oxley  Act of 2002, and in connection with the quarterly report on
Form  10-QSB of State of  Franklin  Bancshares,  Inc.  (the  "Company")  for the
quarter  ended  March  31,  2004,  as filed  with the  Securities  and  Exchange
Commission on the date hereof (the "Report"), the undersigned, Randal R. Greene,
President of the Company,  hereby  certifies  that (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
Company.

     This Certification is signed on May 13, 2004.



                                            /s/ Randal R. Greene
                                            ------------------------------------
                                            Randal R. Greene, President