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<META NAME="date" CONTENT="11/09/2005">
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<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=center><B><BR></B></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B></P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>Washington, D.C. 20549</B></P>
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<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:14pt; line-height:16pt; font-family:Times New Roman; font-size:14pt" align=center><B>FORM 8-K</B></P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>CURRENT REPORT</B></P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></P>
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<P style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=319.2 colspan=2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Date of report (Date of earliest event reported)</P>
</TD><TD valign=top width=319.2 colspan=4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">November &nbsp;9, 2005 (September 23, 2005)</P>
</TD></TR>
<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4 colspan=6><P style="margin:0pt; line-height:16pt; font-family:Times New Roman; font-size:14pt" align=center><B><U>1<SUP>st</SUP> FRANKLIN FINANCIAL CORPORATION</U></B></P>
</TD></TR>
<TR><TD valign=top width=638.4 colspan=6><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(Exact name of registrant as specified in its charter)</P>
</TD></TR>
<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=4>&nbsp;</TD></TR>
<TR><TD valign=top width=212.8><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>Georgia</U></P>
</TD><TD valign=top width=212.8 colspan=3><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>2-27985</U></P>
</TD><TD valign=top width=212.8 colspan=2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>58-0521233</U></P>
</TD></TR>
<TR><TD valign=top width=212.8><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(State or other jurisdiction <BR>
of incorporation)</P>
</TD><TD valign=top width=212.8 colspan=3><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=212.8 colspan=2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(IRS employer <BR>
Identification No.)</P>
</TD></TR>
<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=4>&nbsp;</TD></TR>
<TR><TD valign=top width=553.2 colspan=5><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>213 East Tugalo Street, P.O. Box 880, Toccoa, Georgia</U></P>
</TD><TD valign=top width=85.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>30577</U></P>
</TD></TR>
<TR><TD valign=top width=553.2 colspan=5><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(Address of principal executive offices)</P>
</TD><TD valign=top width=85.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(Zip Code)</P>
</TD></TR>
<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=4>&nbsp;</TD></TR>
<TR><TD valign=top width=349.2 colspan=3><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Registrant's telephone number, including area code</P>
</TD><TD valign=top width=289.2 colspan=3><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt"><U>(706) 886-7571</U></P>
</TD></TR>
<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4 colspan=6><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><U>n/a</U></P>
</TD></TR>
<TR><TD valign=top width=638.4 colspan=6><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>(Former name or former address, if changed since last report)</P>
</TD></TR>
</TABLE>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>
</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman" align=center>&lt;PAGE&gt; 1</P>
</TD></TR>
</TABLE>
<P style="margin-top:0pt; margin-bottom:10pt; font-family:Times New Roman">&nbsp;</P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<P style="page-break-before:always; margin:0pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Section 1 &#150; Registrant&#146;s Business and Operations</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Item 1.01 &#150; Entry into a Material Definitive Agreement.</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">On September 23, 2005, 1<SUP>st</SUP> Franklin Financial Corporation (the &quot;Company&quot;) entered into a Loan Documents Modification Agreement, by and among the Company, Wachovia Bank, National Association (&quot;Wachovia&quot;) and Franklin Securities, Inc., a wholly owned subsidiary of the Company (the &quot;Guarantor&quot;) (such agreement, the &quot;Loan Modification Agreement&quot;). &nbsp;The Loan Modification Agreement is attached hereto as Exhibit 10.1.</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">The Loan Modification Agreement further amended the Company's Loan Agreement, dated September&nbsp;25, 2001 by and among the Company and Wachovia (as successor by merger to SouthTrust Bank, an Alabama banking corporation), as amended (the &quot;Loan Agreement&quot;), and that Guaranty Agreement entered into by the Guarantor as of September 25, 2001, as amended (the &quot;Guaranty Agreement&quot;).</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">The Loan Modification Agreement extended the commitment period pursuant to the Loan Agreement, and extended the maturity date of the note issued thereunder, to September&nbsp;25, 2006. &nbsp;In addition, the Loan Modification Agreement amended certain of the financial covenants applicable to the Company contained in the Loan Agreement and clarified certain matters with respect to Wachovia as successor lender under the Loan Agreement.</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">In connection with the Loan Modification Agreement, the Company reaffirmed and restated each of its representations and warranties contained in the Loan Agreement. &nbsp;</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">In addition, the Guarantor reaffirmed its guarantee set out in the Guaranty Agreement and reaffirmed and restated each of its representations and warranties contained in the Guaranty Agreement.</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">In the ordinary course of its operations, Wachovia also serves as custodian for certain investment assets held by the Company and its subsidiaries. &nbsp;In addition, certain of the Company's branch operations may maintain depositary or checking accounts with one or more Wachovia branches.</P>
</TD></TR>
</TABLE>
<P style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=638.4 colspan=2><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Section 9 &#150; Financial Statements and Exhibits</P>
</TD></TR>
<TR><TD valign=top width=638.4 colspan=2><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Item 9.01 &#150; Financial Statements and Exhibits.</P>
</TD></TR>
<TR><TD valign=top width=67.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">10.1</P>
</TD><TD valign=top width=571.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Loan Documents Modification Agreement, dated as of September 23, 2005, by and among the Company, Wachovia Bank, National Association and Franklin Securities, Inc.</P>
</TD></TR>
<TR><TD valign=top width=67.2>&nbsp;</TD><TD valign=top width=571.2>&nbsp;</TD></TR>
<TR><TD valign=top width=67.2>&nbsp;</TD><TD valign=top width=571.2>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4 colspan=2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>&lt;Page&gt; 2</P>
</TD></TR>
</TABLE>
<P style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<P style="page-break-before:always; margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>SIGNATURES</B></P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>
</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=right>1<SUP>ST</SUP> FRANKLIN FINANCIAL CORPORATION</P>
</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=right>By: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>/s/ A. ROGER GUIMOND</U></P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=right>&nbsp;Name: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Roger Guimond</P>
</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=right>&nbsp;Title: &nbsp;&nbsp;&nbsp;Executive Vice President and<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer</P>
</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=right>Date: &nbsp;November 09, 2005</P>
</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4>&nbsp;</TD></TR>
<TR><TD valign=top width=638.4><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>&lt;Page&gt; 3</P>
</TD></TR>
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<P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<P style="margin:0pt; line-height:10pt; font-family:Times New Roman; font-size:8pt">ATI-2199579v1<BIG> </BIG></P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<P style="page-break-before:always; margin-top:0pt; margin-bottom:12pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>EXHIBIT LIST</B></P>
<TABLE style="font-size:10pt" cellspacing=0><TR><TD valign=top width=67.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">10.1</P>
</TD><TD valign=top width=571.2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt">Loan Documents Modification Agreement, dated as of September 23, 2005, by and among the Company, Wachovia Bank, National Association and Franklin Securities, Inc.</P>
</TD></TR>
</TABLE>
<P style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<P style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-family:Times New Roman; font-size:12pt"><BR>
<BR></P>
<P style="margin:0pt; line-height:10pt; font-family:Times New Roman; font-size:8pt">ATI-2199579v1<BIG> </BIG></P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><BR></P>
</BODY>
</HTML>
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{"company-data": {"conformed-name": "FIRST FRANKLIN FINANCIAL CORP", "cik": "0000038723", "assigned-sic": "6141", "irs-number": "580521233", "state-of-incorporation": "GA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "002-27985", "film-number": "051190012"}, "business-address": {"street1": "213 E TUGALO ST", "street2": "P O BOX 880", "city": "TOCCOA", "state": "GA", "zip": "30577", "phone": "4048867571"}, "former-company": {"former-conformed-name": "FRANKLIN DISCOUNT CO", "date-changed": "19840115"}}
Converted by EDGARwiz
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of report (Date of earliest event reported)
November  9, 2005 (September 23, 2005)
1
st
FRANKLIN FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Georgia
2-27985
58-0521233
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS employer
Identification No.)
213 East Tugalo Street, P.O. Box 880, Toccoa, Georgia
30577
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code
(706) 886-7571
n/a
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
<PAGE> 1
Section 1 – Registrant's Business and Operations
Item 1.01 – Entry into a Material Definitive Agreement.
On September 23, 2005, 1
st
Franklin Financial Corporation (the "Company") entered into a Loan Documents Modification Agreement, by and among the Company, Wachovia Bank, National Association ("Wachovia") and Franklin Securities, Inc., a wholly owned subsidiary of the Company (the "Guarantor") (such agreement, the "Loan Modification Agreement").  The Loan Modification Agreement is attached hereto as Exhibit 10.1.
The Loan Modification Agreement further amended the Company's Loan Agreement, dated September 25, 2001 by and among the Company and Wachovia (as successor by merger to SouthTrust Bank, an Alabama banking corporation), as amended (the "Loan Agreement"), and that Guaranty Agreement entered into by the Guarantor as of September 25, 2001, as amended (the "Guaranty Agreement").
The Loan Modification Agreement extended the commitment period pursuant to the Loan Agreement, and extended the maturity date of the note issued thereunder, to September 25, 2006.  In addition, the Loan Modification Agreement amended certain of the financial covenants applicable to the Company contained in the Loan Agreement and clarified certain matters with respect to Wachovia as successor lender under the Loan Agreement.
In connection with the Loan Modification Agreement, the Company reaffirmed and restated each of its representations and warranties contained in the Loan Agreement.
In addition, the Guarantor reaffirmed its guarantee set out in the Guaranty Agreement and reaffirmed and restated each of its representations and warranties contained in the Guaranty Agreement.
In the ordinary course of its operations, Wachovia also serves as custodian for certain investment assets held by the Company and its subsidiaries.  In addition, certain of the Company's branch operations may maintain depositary or checking accounts with one or more Wachovia branches.
Section 9 – Financial Statements and Exhibits
Item 9.01 – Financial Statements and Exhibits.
10.1
Loan Documents Modification Agreement, dated as of September 23, 2005, by and among the Company, Wachovia Bank, National Association and Franklin Securities, Inc.
<Page> 2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
1
ST
FRANKLIN FINANCIAL CORPORATION
By:
/s/ A. ROGER GUIMOND
Name:                  A. Roger Guimond
Title:    Executive Vice President and
Chief Financial Officer
Date:  November 09, 2005
<Page> 3
ATI-2199579v1
EXHIBIT LIST
10.1
Loan Documents Modification Agreement, dated as of September 23, 2005, by and among the Company, Wachovia Bank, National Association and Franklin Securities, Inc.
ATI-2199579v1