effect.xml

<?xml version="1.0"?>
<edgarSubmission>
    <schemaVersion>X0101</schemaVersion>
    <submissionType>EFFECT</submissionType>
    <act>33</act>
    <testOrLive>LIVE</testOrLive>
    <effectiveData>
        <finalEffectivenessDispDate>2022-11-22</finalEffectivenessDispDate>
        <accessionNumber>0000038723-22-000117</accessionNumber>
        <submissionType>POS AM</submissionType>
        <filer>
            <cik>0000038723</cik>
            <entityName>1st FRANKLIN FINANCIAL CORP</entityName>
            <fileNumber>333-237642</fileNumber>
        </filer>
    </effectiveData>
</edgarSubmission>