1







                                   EXHIBIT 99

                               AUTHORIZATION CARD


 2






Dividend Reinvestment Plan
Authorization Form

UNION FINANCIAL BANCSHARES, INC.
- -----------------------------
203 West Main Street
Union, South Carolina  29379




Please sign the authorization located on the reverse side of this form and
complete the information below only if it has changed.

Name 1

- ----------------------------
Name 2

- ----------------------------
Street Address

- ----------------------------
City/State/Zip Code

- ----------------------------
Home Telephone Number

(    )
- ----------------------------
Business Telephone Number

(    )
- ----------------------------



 3


NOTE:  THIS IS NOT A PROXY

Completion and return of this  Authorization  Form authorizes your enrollment in
the Union Financial  Bancshares,  Inc. Dividend Reinvestment Plan. Do not return
this form unless you wish to participate in the Plan.

If you sign and return this form,  you  authorize  the  purchase  of  additional
shares of common  stock with the cash  dividends  on all shares of common  stock
currently or  subsequently  registered in your name, as well as on the shares of
common stock credited to your Plan account.

Please return this Authorization Form in the envelope provided to: Registrar and
Transfer Company, 10 Commerce Drive, Cranford, New Jersey 07016.

If you wish to reinvest dividends on your common stock, check the following:

[  ]   FULL COMMON STOCK DIVIDEND REINVESTMENT.
Sign here exactly as name(s) appear on stock certificate(s).  If shares are held
jointly, all holders must sign.


Stockholder X                     Date      Stockholder X              Date
            ----------------------    -----             ---------------    -----