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 13, 2004                         /s/ Richard G. Harwood
      ----------------                         ---------------------------------
                                               Richard G. Harwood
                                               President and
                                               Chief Executive Officer