You don't have to "say" it-- you could just make a noise, by placing you tongue against your lower teeth, and pulling it back quickly-- It makes a "TSK" type noise-- (Your upper teeth should be stacked on top of your lower teeth-- and you lips slightly parted..) it is sometimes described as a "Clucking noise"-- and done softly, it might be directed at a misbehaving child in church-- along with a glare-- to remind them to behave.. I have always read "TSK as this noise, rather than as a spoken word--

Just as i would consider the ! of the bantu language to be a noise in English-- (Lips parted, teeth parted, tongue curled up on to the roof of you mouth (front of palate) and then snapped to the front of the mouthm and down to make a "Knck" sound--)