In this study, subsonic flutter analyses have been conducted for a composite smart UAV with T-tail configuration at the critical flight condition. Detailed three-dimensional finite element model for dynamic analysis is constructed including its nonstructural elements corresponding to installed electronic equipments and fuels. Computational structural dynamics and aeroelastic techniques are conducted using MSC/NASTRAN and originally developed in-house codes. The results for fundamental vibration characteristics and flutter instabilities are presented and compared to each other for different fuel conditions.