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                              Exhibit Number 10.18

                       Fourth Amendment to Lease Agreement

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                       FOURTH AMENDMENT TO LEASE AGREEMENT


         THIS FOURTH AMENDMENT TO LEASE AGREEMENT is made and entered into by
and between Gordon E. Inman, a citizen and resident of Franklin, Tennessee, with
an address for purposes of this Fourth Amendment to Lease Agreement of Public
Square, Franklin, Tennessee, 37064 (hereinafter referred to as "Lessor"), and
Franklin Financial Corporation, that certain banking holding company organized
under the laws of the State of Tennessee, which operates as Franklin National
Bank and also with an address for purposes of this Fourth Amendment to Lease
Agreement of Public Square, Franklin, Tennessee, 37064 (hereinafter collectively
referred to as "Lessee" and is entered into pursuant to the following terms,
conditions and provisions.

                                   WITNESSETH:

         WHEREAS, Lessor and Lessee entered into certain contractual agreements
pertaining to the location of Lessee upon and within various properties owned by
Lessor in Franklin, Williamson County, Tennessee; and

         WHEREAS, more particularly Lessor and Lessee entered into a Lease
Agreement as pertains to the demised premises located at 230 Public Square
(Building One), and 218 A and B Public Square (collectively Building Two),
Franklin, Williamson County, Tennessee (hereinafter referred to as the "Lease
Agreement"), being dated January 5, 1989, and reference to which is hereby made;
and

         WHEREAS, Lessor and Lessee also entered in to a Ground Lease Agreement
as pertains to the lease of ground space with a physical address of 216 A and B
East Main Street, Franklin, Williamson County, Tennessee (hereinafter referred
to as the "Ground Lease Agreement") such also being executed on January 5, 1989,
and reference to which is hereby made; and

         WHEREAS, Lessor and Lessee entered into an Agreement pertaining to the
demolition of certain building located at 216 A and B East Main Street
(hereinafter referred to as the "Demolition Agreement"), such also being
executed on January 5, 1989, and reference to which is hereby made; and




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         WHEREAS, Lessor and Lessee entered into a certain First Amendment to
Lease Agreement which memorialized the leasing by Lessee from Lessor of
additional lease space consisting of a portion of an additional building owned
by Lessor located at 232 Public Square, said additional space consisting of 836
square feet, and said First Amendment to Lease Agreement (hereinafter referred
to as the "First Amendment") being dated May 18, 1989, reference to which is
hereby made; and

         WHEREAS, Lessor and Lessee entered into a certain Second Amendment to
Lease Agreement which memorialized the leasing by Lessee from Lessor of
additional space consisting of a portion of an additional building owned by
Lessor located at 232 Public Square (also referred to as the 229-232 Public
Square Building), said additional space consisting of 2,605 square feet, and
said Second Amendment to Lease Agreement (hereinafter referred to as the "Second
Amendment") being dated December 3, 1990, reference to which is hereby made; and

         WHEREAS, Lessor and Lessee entered into a certain Third Amendment to
Lease Agreement which memorialized the leasing by Lessee from Lessor of
additional lease space consisting of 2,061 square feet in the adjoining building
known as 232 Public Square, but also referred to as the 229-232 Public Square
Building, and from time to time referred to as the Alexander Building, and said
Third Amendment to Lease Agreement (hereinafter referred to as the "Third
Amendment") being dated May 15, 1993, reference to which is hereby made; and

         WHEREAS, Lessee has now requested of Lessor the opportunity of leasing
further additional space from Lessor this time consisting of 9,311 square feet
in the building known as 210 East Main Street, Franklin, Tennessee; and

         WHEREAS, the parties hereto wish to memorialize the terms and
provisions under which the "Further Additional Lease Space" shall be leased by
Lessee from Lessor, and how the rental by Lessee of said "Further Lease Space"
will modify the terms and provisions of the original Lease Agreement dated
January 5, 1989, as amended by First Amendment dated May 18, 1989, by Second
Amendment dated December 3, 1990, and Third Amendment dated May 15, 1993;


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         NOW THEREFORE, in consideration of Ten ($10.00) Dollars and other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, and in further consideration of the monetary sums to be paid
hereunder and also based upon the mutual covenants and conditions hereinafter
recited, the parties agree as follows:

         1. Lessor hereby agrees to lease unto Lessee 9,311 additional square
feet in the building known as 210 East Main Street, Franklin, Tennessee, to
include approximately thirty-five (35) parking spaces, said additional demised
premises depicted on drawing attached hereto and made Exhibit J hereto.

         2. The applicable rental for this "Further Additional Space" shall be
$127,545.00 per annum, calculated attached hereto as Exhibit K, said amount to
be added to the now current lease rental payments being made by Lessee unto
Lessor under the original Lease Agreement, and as amended by First, Second and
Third Amendments thereto, and with said payments to be made in the same time
increments as are now being made with regard to rental payments.

         3. The rental increase formula set forth in the original Lease in
relationship to the Consumer Price Index shall also apply to the ":Further
Additional Lease Space". The CPI-U Index for May, 1997 shall be the denominator
and the numerator shall be the month of April immediately proceeding the
commencement of the Lease Year in question for the purpose of calculating the
rental increase under this Fourth Amendment to Lease Agreement.

         4. The effective date of the lease or the "Further Additional Lease
Space" shall be May 1, 1997.

         5. All of Lessee's obligations pertaining to insurance, taxes and
utilities shall be applicable to this "Further Additional Lease Space" on the
same basis applicable to the original demised premises, and as increased and
made applicable to the "Additional Lease Space" under the First, Second and
Third Amendments to the Lease Agreement, and as now further increased as
pertains to the "Further Additional Lease Space".



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         6. Except as specifically modified, altered, or amended herein, the
terms and provisions of the Lease Agreement originally entered into by and
between Lessor and Lessee on January 5, 1989, and as amended through First
Amendment to Lease Agreement dated May 18, 1989, Second Amendment to Lease
Agreement dated December 3, 1990 and Third Amendment to Lease Agreement dated
May 15, 1993, shall remain in full force and effect.

         7. The terms and provisions of this Fourth Amendment to Lease Agreement
shall inure to and be binding upon the parties hereto, their respective heirs,
successors and assigns.


         IN WITNESS WHEREOF, THE FOURTH AMENDMENT TO LEASE AGREEMENT has been
executed by Gordon E. Inman ( in his capacity as Lessor) and by Franklin
Financial Corporation by and through its duly authorized representative , J.
Myers Jones as President of Franklin National Bank (in its capacity of Lessee)
on the date appearing across from their respective signatures, and with an
effective date hereof to be the first date of execution by the party.

LESSOR:

/s/ Gordon E. Inman                              May 1, 1997
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GORDON E. INMAN                                 DATE


LESSEE:
Franklin Financial Corporation
(and Franklin National Bank)

/s/ J. Myers Jones                               May 1, 1997
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J. MYERS JONES, PRESIDENT                       DATE


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