Exhibit 32

            CERTIFICATION OF PRESIDENT AND VICE PRESIDENT AND CASHIER
             PURSUANT TO 18 U.S.C. SECTION 1350 (AS ADOPTED PURSUANT
                TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002)


In  connection  with the  Quarterly  Report  of  Volunteer  Bancorp,  Inc.  (the
"Corporation")  on Form 10-Q for the period  ended  March 31, 2004 as filed with
the Securities and Exchange  Commission on the date hereof (the  "Report"),  the
undersigned,  the President and Vice  President and Cashier of the  Corporation,
certify, pursuant to 18 U.S.C. Section 1350, 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
     Corporation;

Date:  May 14, 2004                         By: /s/ Reed D. Matney
                                                ---------------------------
                                                Reed D. Matney
                                                President


Date:  May 14, 2004                         By: /s/ Greg Oliver
                                                ---------------------------
                                                Greg Oliver
                                                Vice President and Cashier