EXHIBIT 32.2
                                  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, Greg Oliver,  Vice  President and Cashier 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/ Greg Oliver
                                           -------------------------------------
                                           Greg Oliver
                                           Vice President and Cashier