Exhibit 32.2

                    Certification of Chief Financial 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,  Chris  H.  Triplett,   Controller  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: November 12, 2004                 /s/ Chris H. Triplett
                                        ----------------------------------------
                                        Chris H. Triplett
                                        Controller