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            EXHIBIT 5     OPINION OF MULDOON MURPHY & FAUCETTE LLP



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                  [LETTERHEAD OF MULDOON MURPHY & FAUCETTE LLP]


                                  March 1, 2001



Board of Directors
Union Financial Bancshares, Inc.
203 West Main Street
Union, South Carolina  29379

            Re:   Union Financial Bancshares, Inc. 2001 Stock Option Plan
                  for Offer and Sale of 125,000 Shares of Common Stock

Ladies and Gentlemen:

      We have been  requested by Union  Financial  Bancshares,  Inc., a Delaware
corporation  (the  "Company") to issue a legal  opinion in  connection  with the
registration  under the  Securities Act of 1933 on Form S-8 of 125,000 shares of
the Company's common stock, par value $.01 per share (the "Shares"), that may be
issued under the Union Financial Bancshares, Inc. 2001 Stock Option Plan (herein
referred to as the "Plan").

      We have made such  legal and  factual  examinations  and  inquiries  as we
deemed advisable for the purpose of rendering this opinion.  In our examination,
we have  assumed and have not verified (i) the  genuineness  of all  signatures,
(ii) the authenticity of all documents  submitted to us as originals,  (iii) the
conformity to the originals of all documents  supplied to us as copies, and (iv)
the accuracy and completeness of all corporate  records and documents and of all
certificates  and statements of fact, in each case given or made available to us
by the Company or its subsidiary, Provident Community Bank.

      Based on the  foregoing and limited in all respects to Delaware law, it is
our opinion that the Shares  reserved  under the Plan have been duly  authorized
and, upon payment for and issuance of the Shares in the manner  described in the
Plan, will be legally issued, fully paid and nonassessable.

      The following  provisions of the Certificate of  Incorporation  may not be
given effect by a court applying Delaware law, but in our opinion the failure to
give  effect to such  provisions  will not affect the duly  authorized,  validly
issued, fully paid and nonassessable status of the Common Stock:

      (a)   Subsection D of Article XIV which grants the board of directors  the
            authority  to construe and apply the  provisions  of that Article to
            the extent, if any, that a court


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Board of Directors
March 1, 2001
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            applying Delaware law were to impose equitable limitations upon such
            authority; and

      (b)   Article XVI, which authorizes the board of directors to consider the
            effect of any offer to acquire the Company on  constituencies  other
            than stockholders in evaluating any such offer.

      This opinion is rendered to you solely for your benefit in connection with
the  issuance of the Shares as described  above.  This opinion may not be relied
upon by any other person or for any other  purpose,  and it should not be quoted
in whole or in part or otherwise referred to or be furnished to any governmental
agency (other than the Securities and Exchange Commission in connection with the
aforementioned  registration  statement  on Form S-8 in which  this  opinion  is
contained) or any other person or entity  without the prior  written  consent of
this firm.

      We note that,  although certain portions of the registration  statement on
Form S-8 (the financial  statements and  schedules)  have been included  therein
(through  incorporation  by reference) on the authority of "experts"  within the
meaning of the Securities Act, we are not experts with respect to any portion of
the  Registration   Statement,   including  without   limitation  the  financial
statements  or schedules or the other  financial  information  or data  included
therein.

      We hereby  consent to the filing of this opinion as an exhibit to, and the
reference to this firm in, the Company's registration statement on Form S-8.

                                    Very truly yours,

                                    /s/ Muldoon Murphy & Faucette LLP

                                    MULDOON MURPHY & FAUCETTE LLP