EXHIBIT 32.1

                                  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, Thomas E. Tuck,  President  and Chief  Executive
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 May 16, 2005.

                                 /s/Thomas E. Tuck
                                 ---------------------------------------
                                 Thomas E. Tuck
                                 President and Chief Executive Officer