Frank was born on 4 June 1933 in Texarkana, TX. He graduated from high school at New Mexico Military Institute, Roswell NM in 1951, attended Texas A&M 1951-1952, and entered the Naval Academy in June 1952 as a member of Twelfth Company.

After graduation, Frank was commissioned in the Air Force, attended pilot training, and flew C-130s. He flew members of the 101st Airborne to Little Rock to enforce the 1957 integration and flew troops to the Congo in 1960.

Frank resigned his commission in 1961 and enjoyed a successful banking career in Little Rock, Arkansas in the private sector and in government. In 1980 he defeated Bill Clinton for governor of Arkansas and is credited with developing the partnership between the University of Arkansas and Arkansas Children’s Hospital during his term. After an unsuccessful reelection bid for governor in 1986, he worked for 1st Commercial Bank, Littlerock, until 1988 when Governor Huckabee appointed him State Bank Commissioner, a post he held until his death.

Frank was a community and civic leader and a popular emcee for successful fund raising events benefiting charities. When he joined Governor Huckabee and six other Arkansas governors for a fundraiser to restore the governor’s mansion. Governor Huckabee stated, "Frank didn’t steal the show, he was the show.”

Frank died of a heart attack in Little Rock, Arkansas, Wednesday, 21 May 2003. He is survived by his wife, Gay; daughters, Elizabeth and Rebecca; son and daughter-in-law, Kyle and Kelly White, both USNA 1990; and four grandchildren, Tristan, Tyler, Julia and Daniella.