Exhibit 32.0

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Annual Report of Jefferson Bancshares, Inc. (the
"Company") on Form 10-K for the fiscal year ended June 30, 2003 as filed with
the Securities and Exchange Commission (the "Report"), the undersigned certify,
pursuant to 18 U.S.C. Section 1350, as added by 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 Company as of and for the period covered by the Report.


                                /s/ Anderson L. Smith
                                -------------------------------------
                                Anderson L. Smith
                                President and Chief Executive Officer


                                /s/ Jane P. Hutton
                                -------------------------------------
                                Jane P. Hutton
                                Chief Financial Officer, Treasurer and Secretary

Date:   September 29, 2003
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