EX-32 10 exhibit321.htm SEC FORM 10-K EXHIBIT 32-1 Exhibit 32

Exhibit 32.1

 

1st FRANKLIN FINANCIAL CORPORATION

213 EAST TUGALO STREET

P.O. BOX 880

TOCCOA, GEORGIA  30577

TELEPHONE:  (706) 886-7571

 
 

March 30, 2004

 
 

Re:

Certification Pursuant to § 906 of the Sarbanes-Oxley Act of 2002


 

Ladies and Gentlemen:

 

Pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, in connection with the filing of the annual report of 1st Franklin Financial Corporation (the "Company") for the year ended December 31, 2003, as filed with the Securities and Exchange Commission on Form 10-Kon the date hereof (the "Report"), each of the undersigned officers of the Company certifies, that, to such officer’s 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 Company

as of the dates and for the periods expressed in the Report.

   

 

s/ Ben F. Cheek, III


Name:  Ben F. Cheek, III

Title:  Chairman and Chief Executive Officer