Exhibit 1 JOINT FILING AGREEMENT Each of the undersigned agrees that the Statement, including amendments, on Schedule 13D relating to shares of Common Stock of United Tennessee Bancshares, Inc. to which this Agreement is attached is being filed on...

                                                       Exhibit 1

                     JOINT FILING AGREEMENT

          Each of the undersigned agrees that the Statement,
including amendments, on Schedule 13D relating to shares of Common
Stock of United Tennessee Bancshares, Inc. to which this Agreement
is attached is being filed on behalf of each of the undersigned.

                    3/3/98        Xxxxxx X. Xxxxx           
                      Date           (Signature)

                    3/3/98        Xxxxx X. Xxxxx           
                      Date           (Signature)

































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