Exhibit 99.1
                    Certification of Chief Executive Officer
                         Pursuant to Section 906 of the
                           Sarbanes-Oxley Act of 2002

          In  connection  with this  quarterly  report on Form  10-QSB of United
     Tennessee  Bankshares,  Inc. I,  Richard G.  Harwood,  President  and Chief
     Executive Officer of United Tennessee Bankshares,  Inc., certify,  pursuant
     to Section 906 of the Sarbanes-Oxley Act of 2002, that:

2.   The report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

3.   The information  contained in this report fairly presents,  in all material
     respects,  the  financial  condition  and results of  operations  of United
     Tennessee Bankshares, Inc.

                                                  /s/ Richard G. Harwood
Date: November 13, 2002                           ------------------------------
                                                  Richard G. Harwood
                                                  President and
                                                  Chief Executive Officer