EXHIBIT 99.2

                     Certification of Senior Vice President
                         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, Mark B. Holder,  Senior Vice President  (principal
accounting and financial 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:  May 14, 2003                  /s/ Mark B. Holder
                                     -------------------------------------------
                                     Mark B. Holder
                                     Senior Vice President (principal accounting
                                     and financial officer)