EXHIBIT 32.2

                                  CERTIFICATION
                         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, Gerald  Cooksey,  Jr., Vice  President  (Principal
Financial and Accounting 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 the Report fairly  presents,  in all material
     respects,  the  financial  condition  and  results  of  operations  of  the
     Tennessee Valley Financial Holdings, Inc.

     This Certification is signed on November 14, 2003.

                                              /s/  Gerald Cooksey, Jr.
                                              ----------------------------------
                                              Gerald Cooksey, Jr.
                                              Vice President