FORM 10-KSB/A
                                 AMENDMENT NO. 1

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

[ X ] ANNUAL  REPORT  PURSUANT  TO  SECTION  13 OR  15(d)  OF THE  SECURITIES
     EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 2001
                                       OR

[   ] TRANSITION  REPORT UNDER SECTION 13 OR 15(d) OF THE  SECURITIES  EXCHANGE
     ACT OF 1934


                         Commission file number 0-22473

                             VOLUNTEER BANCORP, INC.
                 (Name of small business issuer in its charter)

          TENNESSEE                                      62-1271025
(State or other jurisdiction                (I.R.S. Employer Identification No.)
of incorporation or organization)

                              210 East Main Street
                          Rogersville, Tennessee 37857
              (Address of principal executive offices and Zip Code)

                    Issuer's telephone number (423) 272-2200


Securities registered under Section 12(b) of the Exchange Act:  None
Securities registered under Section 12(g) of the Exchange Act:  Common Stock

     Check  whether  the issuer (1) filed all  reports  required  to be filed by
Section 13 or 15(d) of the  Exchange  Act during the past 12 months (or for such
shorter period that the  registrant was required to file such reports),  and (2)
has been subject to such filing requirements for the past 90 days. Yes X No____

     Check if there is no disclosure  of  delinquent  filers in response to Item
405 of  Regulation  S-B  contained  in  this  form,  and no  disclosure  will be
contained,  to the  best of  registrant's  knowledge,  in  definitive  proxy  or
information statements incorporated by reference in Part III of this Form 10-KSB
or any amendment to this Form 10-KSB. [ X ]

     The  registrant's  revenues for the twelve  months ended  December 31, 2001
were $8,986,971.

     The  aggregate  market  value  of  the  shares  of  Common  Stock  held  by
nonaffiliates  of the  registrant  as of March 15, 2002 is  approximately  $4.97
million.  (For purposes of this  calculation  only,  all executive  officers and
directors are classified as affiliates.)

Indicate the number of shares outstanding of each of the registrant's classes of
common stock, as of the latest practicable date.  Outstanding at March 15, 2002,
Common Stock, $.01 par value, 539,027.

                    Documents Incorporated by Reference: None



                                      - 1 -

<PAGE>




This  amendment  in Form  10-KSB/A  amends  the  Annual  Report  in Form  10-KSB
previously filed by Volunteer  Bancorp,  Inc. for the fiscal year ended December
31, 2001 (the "Prior Report"). Except as specifically indicated herein, no other
information included in the Prior Report is amended by this Form 10-KSB/A.

This  amendment  is being  filed to correct  the  Commission  file number and to
provide the name of the accounting firm.


































                                      - 2 -

<PAGE>



                          INDEPENDENT AUDITOR'S REPORT
                          ----------------------------


To the Board of Directors
Volunteer Bancorp, Inc.

We have  audited  the  accompanying  consolidated  balance  sheets of  Volunteer
Bancorp,  Inc. and  subsidiary as of December 31, 2001 and 2000, and the related
consolidated statements of earnings, changes in stockholders' equity, cash flows
and comprehensive income for the years then ended. These consolidated  financial
statements   are  the   responsibility   of  the   Company's   management.   Our
responsibility  is  to  express  an  opinion  on  these  consolidated  financial
statements based on our audit.

We conducted our audit in accordance with generally accepted auditing standards.
Those standards  require that we plan and perform the audit to obtain reasonable
assurance  about  whether  the  consolidated  financial  statements  are free of
material  misstatement.  An audit includes examining,  on a test basis, evidence
supporting the amounts and disclosures in the consolidated financial statements.
An audit also includes assessing the accounting  principles used and significant
estimates  made by  management,  as well as  evaluating  the  overall  financial
statement  presentation.  We believe that our audit provides a reasonable  basis
for our opinion.

In our opinion, the consolidated  financial statements referred to above present
fairly, in all material  respects,  the financial position of Volunteer Bancorp,
Inc. and  subsidiary as of December 31, 2001 and 2000,  and the results of their
operations  and their cash flows for the years  then  ended in  conformity  with
generally accepted accounting principles.


/s/ Welch & Associates, Ltd.

Welch & Associates, Ltd.
February 14, 2002
Nashville, Tennessee
















<PAGE>



                          INDEPENDENT AUDITOR'S REPORT


Our audit was made for the  purpose of  forming  an opinion of the  consolidated
financial statements taken as a whole. The consolidating information represented
on the following  pages is presented for purposes of additional  analysis and is
not a required part of the consolidated  financial statements.  Such information
has been  subjected  to the  auditing  procedures  applied  in the  audit of the
consolidated financial statements and, in our opinion, the information is fairly
stated in all  material  respects  in  relation  to the  consolidated  financial
statements taken as a whole.


/s/ Welch & Associates, Ltd.

Welch & Associates, Ltd.
February 14, 2002
Nashville, Tennessee


<PAGE>

Item 6.  Exhibits and Reports on Form 8-K

        (a)    Exhibits

               Exhibit 23.1  Consent  of Welch &  Associates


               Exhibit 99.1  Certification Pursuant to 18 U.S.C. Section 1350,as
                             Adopted   Pursuant   to   Section   906   of    the
                             Sarbanes-Oxley  Act  of 2002,  signed  by  Reed  D.
                             Matney,  the  President  of Volunteer Bancorp, Inc.
                             on November 4, 2002.

               Exhibit 99.2  Certification  Pursuant  to 18 U.S.C. Section 1350,
                             Adopted    Pursuant   to   Section   906   of   the
                             Sarbanes-Oxley Act  of 2002,  signed by G.  Douglas
                             Price,  the   principal  accounting  and  financial
                             officer of Volunteer   Bancorp,  Inc.  on  November
                             4, 2002.






<PAGE>


     In accordance  with Section 13 or 15(d) of the Exchange Act, the registrant
has caused this report to be signed on its behalf by the undersigned,  thereunto
duly authorized.

                                         VOLUNTEER BANCORP, INC.

                                         By: /s/ Reed D. Matney
                                             -------------------------
                                             Reed D. Matney, President


                                         Date: November 4, 2002





<PAGE>


                                                                    EXHIBIT 23.1

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public  accountants,  we hereby consent to the use of our report,
dated February 14, 2002,  related to the  consolidated  financial  statements of
Volunteer Bancorp, Inc. in this Form 10-KSB.


/s/ Welch & Associates, Ltd.

Welch & Associates, Ltd.
Nashville, Tennessee
March 28, 2002




<PAGE>



                                                                    Exhibit 99.1
                                  CERTIFICATION

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



     Pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to Section 906 of
the  Sarbanes-Oxley  Act of 2002, and in connection  with Amendment No. 1 to the
annual report on Form 10-KSB/A of Volunteer  Bancorp,  Inc. (the  "Company") for
the year ended  December 31,  2001,  as filed with the  Securities  and Exchange
Commission on the date hereof (the "Report"),  the undersigned,  Reed D. Matney,
the  President  of the  Company,  hereby  certifies  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 Company.


      This Certification is signed on November 4, 2002.





                                      /s/ Reed D. Matney
                                      ------------------------------------------
                                      Reed D. Matney
                                      President




<PAGE>




                                                                    Exhibit 99.2
                                  CERTIFICATION
                       Pursuant to 18 U.S.C. Section 1350,
                             As Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002



     Pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to Section 906 of
the  Sarbanes-Oxley  Act of 2002, and in connection  with Amendment No. 1 to the
annual report on Form 10-KSB/A of Volunteer  Bancorp,  Inc. (the  "Company") for
the year ended  December 31,  2001,  as filed with the  Securities  and Exchange
Commission on the date hereof (the "Report"), the undersigned, G. Douglas Price,
the principal accounting and financial officer of the Company,  hereby certifies
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 Company.

     This Certification is signed on November 4, 2002.





                                     /s/ G. Douglas Price
                                     -----------------------------------------
                                     G. Douglas Price
                                     principal accounting and financial officer)