<Ul> <Li> Gulf County </Li> <Li> Franklin County </Li> <Li> Wakulla County </Li> <Li> Small portions of Bay County </Li> </Ul> <Li> Small portions of Bay County </Li> <P> The Apalachicola River is the largest river of the Panhandle . It is formed by the junction of several rivers, including the Chattahoochee and the Flint, where the boundaries of Alabama, Georgia, and Florida meet . From there, it flows due south to the town of Apalachicola . </P> <P> Interstate 10 is the only major interstate highway in the Panhandle, connecting the extreme west with North Florida and Jacksonville . Other older east--west routes include U.S. Highway 90 and U.S. Highway 98 . Important north--south routes west of the Apalachicola River include U.S. Highway 29, U.S. Highway 331, and U.S. Highway 231, all linking to Alabama and Interstate 65 . </P>

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