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:

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

     3.   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 10, 2004                                /s/ Richard G. Harwood
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                                                  Richard G. Harwood
                                                  President and
                                                  Chief Executive Officer