EXHIBIT 99.1

             Certification of President and 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 Tennessee Valley
Financial  Holdings,  Inc.  I,  Thomas E. Tuck,  President  and Chief  Executive
Officer of Tennessee  Valley  Financial  Holdings,  Inc.,  certify,  pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

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

2.   The information  contained in this report fairly presents,  in all material
     respects,  the  financial  condition and results of operations of Tennessee
     Valley Financial Holdings, Inc.



Date: November 14, 2002                /s/ Thomas E. Tuck
                                       -----------------------------------------
                                       Thomas E. Tuck
                                       President and
                                       Chief Executive Officer