Exhibit 99.2

                    Certification of Chief Financial 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,  Chris  H.  Triplett,   Controller  of  United  Tennessee
Bankshares,  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 United
     Tennessee Bankshares, Inc.

Date: May 14, 2003                                    /s/ Chris H. Triplett
                                                      --------------------------
                                                      Chris H. Triplett
                                                      Controller