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 Quarterly Report of Union Financial Bancshares,
Inc. (the "Company") on Form 10-QSB for the quarter ended December 31, 2002 as
filed with the Securities and Exchange Commission (the "Report"), I, Richard H.
Flake, Executive Vice President and Chief Financial Officer of the Company,
certify, pursuant to 18 U.S.C. (S)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/ Richard H. Flake
                                           -------------------------------------
                                           Richard H. Flake
                                           Executive Vice President and Chief
                                           Financial Officer

Date:  February 4, 2003