SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20549

                                 SCHEDULE 13D

                   Under the Securities Exchange Act of 1934
                              (Amendment No. 9)*


                          First Franklin Corporation
       -----------------------------------------------------------------
                               (Name of Issuer)


                                 Common Stock
       -----------------------------------------------------------------
                        (Title of Class of Securities)


                                   320272107
                      ----------------------------------
                                (CUSIP Number)


                               Thomas H. Siemers
                        c/o First Franklin Corporation
                              4750 Ashwood Drive
                             Cincinnati, OH 45241
                                (513) 469-8000
       -----------------------------------------------------------------
                 (Name, Address and Telephone Number of Person
               Authorized to Receive Notices and Communications)

                               September 6, 1996
            -------------------------------------------------------
            (Date of Event which Requires Filing of this Statement)


If the filing  person has  previously  filed a statement  on  Schedule  13G to
report the  acquisition  which is the  subject of this  Schedule  13D,  and is
filing this schedule  because of Rule  13d-1(b)(3) or (4), check the following
box. ____

Check the  following box if a fee is being paid with this  statement  ____. (A
fee is not required only if the reporting person: (1) has a previous statement
on file reporting  beneficial ownership of more than five percent of the class
of securities  described in Item 1; and (2) has filed no amendment  subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)

NOTE:  See Rule 13d-1(a) for other parties to whom copies are to be sent.

*The remainder of this cover page shall be filled out for a reporting person's
initial  filing on this form with respect to the subject class of  securities,
and for any  subsequent  amendment  containing  information  which would alter
disclosures provided in a prior cover page.

The  information  required  on the  remainder  of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities  Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however,  see
the Notes).


                               Page 1 of 6 Pages





                                 SCHEDULE 13D

CUSIP NO.  320272107                                         Page 2 of 6 Pages

1.    NAME OF REPORTING PERSON
      S.S. OR I.R.S. IDENTIFICATION NO. OF REPORTING PERSON:

            Thomas H. Siemers
            ###-##-####

2.    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

                                                 (a) ___
                                                 (b)  X
3.    SEC USE ONLY:




4.    SOURCE OF FUNDS:

            OO

5.    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
      PURSUANT TO ITEMS 2(d) or 2(e): _____

6.    CITIZENSHIP OR PLACE OF ORGANIZATION:

            United States


NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH: 
(These numbers reflect a recent two-for-one stock split)

7.    SOLE VOTING POWER:                    96,758
8.    SHARED VOTING POWER:                  18,600
9.    SOLE DISPOSITIVE POWER:              160,262
10.   SHARED DISPOSITIVE POWER:             18,600


11.    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON:

            178,862

12.    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
       CERTAIN SHARES: _____


13.    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11):
            15.13%

14.    TYPE OF REPORTING PERSON:

            IN







                                                             Page 3 of 6 Pages

ITEM 1.     SECURITY AND ISSUER

The class of equity  securities  to which  this  amendment  relates  to is the
Common  Stock,  $.01  par  value  (the  "Common  Stock"),  of  First  Franklin
Corporation  ("First  Franklin").  First  Franklin's main office is located at
4750  Ashwood  Drive,  Cincinnati,  Ohio 45241.  It owns 100% of the shares of
common  stock of The  Franklin  Savings and Loan  Company,  a savings and loan
association in Cincinnati ("Franklin Savings").


ITEM 2.     IDENTITY AND BACKGROUND

The name and business address of the person filing this amendment is Thomas H.
Siemers,  First Franklin  Corporation,  4750 Ashwood Drive,  Cincinnati,  Ohio
45241. Mr. Siemers is President and Chief Executive  Officer of First Franklin
and Franklin Savings.

During the last five years,  Mr.  Siemers has not been convicted in a criminal
proceeding (excluding traffic violations or similar misdemeanors).

During  the last five  years,  Mr.  Siemers  has not been a party to any court
proceeding  of a judicial or  administrative  body of competent  jurisdiction,
which  resulted  in him being  subject to a  judgment,  decree or final  order
enjoining future violations of, or prohibiting or mandating activities subject
to, federal or state securities laws, or in a finding of any violation of such
laws.

Mr. Siemers is a citizen of the United States.


ITEM 3.     SOURCE AND AMOUNT OF FUNDS OR OTHER CONSIDERATION

Since  the  filing  of his last  amendment  in April  1995,  Mr.  Siemers  has
increased  his  beneficial  ownership  through the exercise of stock  options,
allocations  from The Franklin Savings & Loan Company Employee Stock Ownership
Plan (the "ESOP") and acquisitions of shares by the ESOP, of which Mr. Siemers
serves as trustee.  During 1996 to date,  he has  exercised  options for 5,000
shares at an exercise price of $5.00 per share. The funds for this exercise of
options,  or $25,000,  came from personal  funds.  In January  1996,  the ESOP
allocated  2,476  shares of  Common  Stock  previously  purchased  with  funds
contributed by Franklin Savings to Mr. Siemers'  account.  During 1996, 11,616
shares  of  Common  Stock  were  purchased  by the  ESOP for an  aggregate  of
$173,550, with funds contributed by Franklin Savings.







                                                             Page 4 of 6 Pages
ITEM 4.     PURPOSE OF TRANSACTION

Shares  beneficially  owned by Mr. Siemers have been acquired for  investment.
Mr. Siemers may from time to time,  depending upon market conditions and other
investment  considerations,  purchase  additional shares of First Franklin for
investment  through  the  exercise  of  options  or in the open  market or may
dispose of shares of First  Franklin.  The ESOP, over which Mr. Siemers serves
as trustee,  may purchase or dispose of shares of First Franklin.  Mr. Siemers
is also  trustee of The  Franklin  Savings and Loan  Company  Defined  Benefit
Pension Plan, a  tax-qualified  employee  pension plan (the  "Pension  Plan"),
which may purchase or dispose of shares of First Franklin.

As  President  and Chief  Executive  Officer of First  Franklin  and  Franklin
Savings,  Mr.  Siemers  is  involved  in  material  decision  making  by First
Franklin.  He, at times,  explores potential actions and transactions that may
be advantageous  to First Franklin and Franklin  Savings,  including  possible
mergers,  acquisitions,  reorganizations  or  other  material  changes  in the
business,  corporate structure,  management policies,  governing  instruments,
securities or the regulatory  and reporting  obligations of First Franklin and
Franklin Savings.

The control  regulations of the Office of Thrift Supervision ("OTS") and First
Franklin's Certificate of Incorporation  establish limitations on acquisitions
in excess of 10% of First Franklin's shares. In April 1992, the Board of First
Franklin requested and received shareholder  authorization for Mr. Siemers' to
exceed  the 10%  stock  ownership  limitation  contained  in First  Franklin's
Certificate of Incorporation.  In addition,  Mr. Siemers submitted a Notice of
Change in Control with the OTS under its control regulations to acquire shares
in excess  of 10%.  The OTS did not  object to the  Notice.  Mr.  Siemers  has
recently  submitted  a  modification  of the  Notice to  reflect  his  current
holdings under OTS regulations.

Except as noted above with  respect to Mr.  Siemers'  activities  on behalf of
First  Franklin and Franklin  Savings as their  President,  Mr. Siemers has no
plans or proposals which relate to or would result in:

(a)  the acquisition by any person of additional securities of First Franklin,
     or the disposition of securities by First Franklin;

(b)  an extraordinary corporate transaction,  such as a merger, reorganization
     or liquidation, involving First Franklin or any of its subsidiaries;

(c)  a sale or transfer of material  amount of assets of First Franklin or any
     of its subsidiaries;

(d)  any change in the  present  Board of  Directors  or  management  of First
     Franklin,  including  any plans or proposals to change the number or term
     of directors or to fill any existing vacancies on the Board;

(e)  any material change in the present  capitalization  or dividend policy of
     First Franklin;

(f)  any other  material  change in First  Franklin's  business  or  corporate
     structure;

(g)  changes  in  First  Franklin's  articles  of  incorporation,   bylaws  or
     instruments  corresponding  thereto or other actions which may impede the
     acquisition of control of First Franklin by any persons;

(h)  a class of securities of First  Franklin  being  delisted from a national
     securities  exchange  or to ceasing to be  authorized  to be quoted in an
     inter-quotation system of a registered national securities association;

(i)  a class of equity  securities  of First  Franklin  becoming  eligible for
     termination  of  registration   pursuant  to  Section   12(g)(4)  of  the
     Securities Exchange Act of 1934; or

(j)  any action similar to any of those enumerated above.



                                                             Page 5 of 6 Pages



ITEM 5.     INTEREST IN SECURITIES OF THE ISSUER

Mr.  Siemers  beneficially  owns  178,862 or 15.13%  shares of Common Stock of
First Franklin,  of which 63,504 shares are beneficially  owned as a result of
his serving as trustee of the ESOP and Pension Plan.

Mr. Siemers owns 50,380 shares  individually over which he has sole voting and
investment  power. He owns options to purchase  23,972 shares,  which he might
exercise at any time (subject to Section 16  limitations).  He would have sole
voting  and  investment  power  over  such  shares.  There are  22,406  shares
allocated to Mr.  Siemers  account in the ESOP,  over which he exercises  sole
voting power.

As trustee of the ESOP, he has no voting power over shares allocated to others
or over unallocated  shares. He has investment power over 48,504 shares in the
ESOP,  which are either  unallocated  or are allocated to the ESOP accounts of
others as to those shares in excess of 51% of the shares in such accounts.  As
trustee of the  Pension  Plan,  he has sole voting and  investment  power over
15,000 shares.

He has joint voting and investment power over 18,600 shares owned jointly with
his spouse,  Susan Siemers,  whose  residential  address is 6927  Whippoorwill
Drive, Cincinnati, Ohio 45230

Mrs. Siemers,  the ESOP and the Pension Plan disclaim beneficial  ownership of
any shares of First  Franklin  beneficially  owned by Mr. Siemers that are not
those reported  above as being owned by each of them.  Mr.  Siemers  expressly
disclaims  beneficial ownership of shares of First Franklin owned by his adult
children who do not live with him.

This  amendment has been  submitted  because Mr.  Siemers' level of beneficial
ownership has increased by over 1% since April 1995,  primarily as a result of
stock  repurchases  by First  Franklin or its ESOP.  During 1996,  the ESOP or
First Franklin have purchased 41,316 shares.  The purchase of 11,616 shares by
the ESOP has  increased  the  number of  shares  held by Mr.  Siemers  and the
repurchases by First  Franklin have reduced the number of outstanding  shares.
Mr.  Siemers also acquired  5,000 shares in 1996 through the exercise of stock
options.


ITEM 6.     CONTRACTS, ARRANGEMENTS, UNDERSTANDINGS OR
            RELATIONSHIPS WITH RESPECT TO SECURITIES OF THE ISSUER

Other than the provisions in the ESOP and Pension Plan governing Mr.  Siemers'
role as trustee thereof, there are no contracts, arrangements,  understandings
or relationships (legal or otherwise) between Mr. Siemers and any other person
with respect to any  securities  of the issuer,  including but not limited to,
transfer or voting of any of such  securities,  finder's fees, joint ventures,
loan or option arrangements, put or calls, guarantees of profits, divisions of
profits or loss, or the giving or  withholding  of proxies.  None of the First
Franklin  Common  Stock  beneficially  owned  by Mr.  Siemers  is  pledged  or
otherwise  subject to a contingency the occurrence of which would give another
person voting power or investment power over such shares  (excluding  standard
default and similar provisions contained in loan agreements).


ITEM 7.     MATERIAL TO BE FILED AS EXHIBITS.

A.   The Pension Plan (filed as an exhibit to Mr. Siemers'  Schedule 13D dated
     February 18, 1988, which is hereby incorporated by reference).

B.   The ESOP (filed as an exhibit to Mr. Siemers' Schedule 13D dated February
     18, 1988, which is hereby incorporated by reference).





                                                             Page 6 of 6 Pages

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the  information  set  forth in this  statement  is  true,  complete  and
correct.


Date:  November 14, 1996


                                          By:  Thomas H. Siemers
                                               _______________________________
                                               Thomas H. Siemers