Exhibit 32.1

                    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:

        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:  August 12, 2003                          /s/ Richard G. Harwood
                                                ------------------------------
                                                Richard G. Harwood
                                                President and
                                                Chief Executive Officer