FRANKLIN BANCORPORATION INC 10-K

FORM 10-K FOR FRANKLIN BANCOPORATION, INC.

NONDISCRETIONARY STOCK OPTION PLAN

STOCK SUBSCRIPTION AGREEMENT DATED 12-27-96

LEASE AGREEMENT DATED MAY 28, 1996

AGREEMENT OF SUBLEASE DATED MARCH 29, 1996

COMPUTATION OF PRIMARY AND FULLY DILUTED EARNINGS

CONSENT OF COOPERS & LYBRAND LLP

CONSENT OF PRICE WATERHOUSE LLP

FINANCIAL DATA SCHEDULE