EXHIBIT 32.2
                                  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, Charles E. Allen,
Jr., the Chairman of the Board and Chief Executive Officer (Principal Executive,
Financial and Accounting  Officer)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/ Charles E. Allen, Jr.
                                             -----------------------------------
                                             Charles E. Allen, Jr.
                                             Chairman of the Board and
                                             Chief Executive Officer (Principal
                                             Executive, Financial and Accounting
                                             Officer)