EXHIBIT 32.1
                                  CERTIFICATION

                       Pursuant to 18 U.S.C. Section 1350,
                             As Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002

     In connection with this annual report on Form 10-KSB of Volunteer  Bancorp,
Inc.,  I, Reed D. Matney,  Chief  Executive  Officer and  President of Volunteer
Bancorp,  Inc.,  certify,  pursuant to 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 this report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of Volunteer Bancorp.Inc.


Date:  March 29, 2004                      /s/ Reed D. Matney
                                           -------------------------------------
                                           Reed D. Matney
                                           Chief Executive Officer and President