UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549


                                   FORM 10-QSB

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


                  For the quarterly period ended March 31, 2004

                                       OR

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

      For the transition period from                  to
                                     -----------------   -----------------
                          Commission File No. 33-94050

                             Volunteer Bancorp, Inc.
             (Exact name of registrant as specified in its charter)

         Tennessee                                          62-1271025
         ---------                                          ----------
(State or other jurisdiction of                          (I.R.S. Employer
incorporation or organization)                            Identification Number)

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

         Registrant's telephone number, including area code 423-272-2200
                                                            ------------

                                 Not applicable
--------------------------------------------------------------------------------
Former name, former address and former fiscal year, if changed since last report

--------------------------------------------------------------------------------

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 12, 13 or 15(d) of the  Securities  Exchange  Act of 1934
during the preceding 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.                                [X] Yes [ ] No

Indicate  by check mark  whether  the  registrant  is an  accelerated  filer (as
defined in Rule 12b-2 of the Exchange Act).                       [ ] Yes [X] No

     APPLICABLE  ONLY TO  CORPORATE  ISSUERS:  Indicate  the  number  of  shares
outstanding  of each of the issuer's  classes of common stock,  as of the latest
applicable date: 539,027 as of May 14, 2004.

Transitional Small Business Disclosure Format (check one):        [ ] Yes [X] No

<PAGE>


                             VOLUNTEER BANCORP, INC.


                                      INDEX

                                                                            Page
                                                                            ----
Part I Financial Information

     Item 1. Financial Statements

          Consolidated  Balance Sheet as of March 31, 2004
            and December 31, 2003                                             3

          Consolidated Statements of Income for the Three
            Months Ended March 31,2004 and 2003                               4

          Consolidated Statements of Comprehensive Income for
            the Three Months Ended March 31, 2004 and 2003                    5

          Consolidated Statements of Cash Flows for the Three
            Months Ended March 31, 2004                                       6

          Notes to Consolidated Financial Statements                          7

     Item 2.  Management's  Discussion  and Analysis of Financial
              Condition and Results of Operations                             8

     Item 3. Controls and Procedures                                         11

Part II Other Information

     Item 1. Legal Proceedings                                               12

     Item 2. Changes in Securities                                           12

     Item 3. Defaults upon Senior Securities                                 12

     Item 4. Submission of Matters to a Vote of Securities Holders           12

     Item 5. Other Information                                               12

     Item 6. Exhibits and Reports on Form 8-K                                13


Signatures                                                                   13

Certifications                                                               14




<PAGE>


                         PART 1 - FINANCIAL INFORMATION
                             VOLUNTEER BANCORP, INC.
                           CONSOLIDATED BALANCE SHEETS
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                                March 31               December 31
                                                                                  2004                    2003
                                                                                  ----                    ----
<S>                                                                        <C>                     <C>
ASSETS
Cash and due from banks                                                    $     2,550,700         $      2,881,551
Federal funds sold                                                                 106,198                  354,371
                                                                           ---------------         ----------------
   Cash and cash equivalents                                                     2,656,898                3,235,922
Securities
   Available for sale                                                           23,050,342               27,462,097
   Held to maturity                                                                624,069                  709,910
Loans, less allowance for loan losses                                           73,154,805               68,719,127
Accrued interest receivable                                                        790,144                  759,388
Premises and equipment, net                                                      3,666,395                3,715,926
Real estate acquired through foreclosure                                           263,500                1,533,749
Goodwill                                                                           131,259                  131,259
Cash surrender value life insurance                                              2,112,326                2,088,704
Other assets                                                                       438,303                  322,846
                                                                           ---------------         ----------------

   Total Assets                                                            $   106,888,041         $    108,678,928
                                                                           ===============         ================


LIABILITIES
Deposits
   Non-interest bearing                                                    $    14,569,352         $     13,207,429
   Interest bearing                                                             79,836,716               83,505,414
                                                                           ---------------         ----------------
     Total deposits                                                             94,406,068               96,712,840
Accrued interest payable                                                           261,450                  317,580
Federal funds purchased                                                          2,325,000                1,450,000
Securities sold under repurchase agreements                                      1,183,842                1,358,902
Other accrued taxes, expenses and liabilities                                      134,009                  123,765
Long-term debt                                                                     980,000                1,415,000
                                                                           ---------------         ----------------
   Total Liabilities                                                            99,290,369              101,378,087

STOCKHOLDERS' EQUITY
Common stock, $0.01 par value; 1,000,000 shares
   authorized; 539,027 shares issued and outstanding
   in 2004 and 2003                                                                  5,390                    5,390
Additional paid-in capital                                                       1,916,500                1,916,500
Retained earnings                                                                5,400,701                5,161,814
Accumulated other comprehensive income                                             275,081                  217,137
                                                                           ---------------         ----------------
   Total stockholders' Equity                                                    7,597,672                7,300,841
                                                                           ---------------         ----------------

   TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                              $   106,888,041         $    108,678,928
                                                                           ===============         ================
</TABLE>


                            See accompanying notes.

                                      -3-

<PAGE>


                         PART 1 - FINANCIAL INFORMATION
                             VOLUNTEER BANCORP, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                                               Three Months Ended
                                                                                                    March 31
                                                                                             2004            2003
                                                                                             ----            ----
<S>                                                                                     <C>             <C>
INTEREST INCOME
   Loans, including fees                                                                $ 1,191,642     $ 1,241,197
   Federal funds                                                                                813          11,659
   Investment securities:
     Taxable                                                                                151,775         232,550
     Tax-exempt                                                                              72,796          71,585
                                                                                        -----------     -----------
       Total interest income                                                              1,417,026       1,556,991

INTEREST EXPENSE
   Deposits                                                                                 316,055         444,243
   Other borrowed funds                                                                      19,548          25,779
                                                                                        -----------     -----------
     Total interest expense                                                                 335,603         470,022
                                                                                        -----------     -----------

Net interest income                                                                       1,081,423       1,086,969
Provision for loan losses                                                                         0         100,000
                                                                                        -----------     -----------

Net interest income after provision for loan losses                                       1,081,423         986,969

NON-INTEREST INCOME
   Service charges on deposits and fees                                                     111,468         110,150
   Securities gains                                                                          25,017         106,466
   Other non-interest income                                                                 54,805          36,368
                                                                                        -----------     -----------
     Total non-interest income                                                              191,290         252,984

NON-INTEREST EXPENSE
   Salaries and employee benefits                                                           481,043         504,624
   Occupancy and equipment expenses                                                         160,104         167,223
   Other non-interest expense                                                               297,440         341,495
                                                                                        -----------     -----------
     Total non-interest expense                                                             938,587       1,013,342
                                                                                        -----------     -----------


Income before income taxes                                                                  334,126         226,611
Income tax expense                                                                           95,239          65,079
                                                                                        -----------     -----------

Net Income                                                                              $   238,887     $   161,532
                                                                                        ===========     ===========

Basic and diluted earnings per share                                                    $      0.44     $      0.30

</TABLE>


                            See accompanying notes.
                                      -4-
<PAGE>


                             VOLUNTEER BANCORP, INC.
                 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                                         2004                2003
                                                                                         ----                ----
<S>                                                                               <C>                <C>

Net income                                                                        $     238,887      $      161,532

Other comprehensive income (loss), net of tax:
     Unrealized gains (losses) on securities arising
       during the period                                                                118,475             (71,292)
     Reclassification of realized amount                                                (25,017)           (106,466)
                                                                                  --------------     ---------------
         Other comprehensive income                                                      93,458            (177,758)

     Income taxes related to other comprehensive income                                 (35,514)             67,548
                                                                                  --------------     --------------

     Other comprehensive income, net of income taxes                                     57,944            (110,210)
                                                                                  -------------      --------------

     Total comprehensive income                                                   $     296,831      $       51,322
                                                                                  =============      ==============
</TABLE>














                            See accompanying notes.

                                      -5-

<PAGE>


                         PART I - FINANCIAL INFORMATION
                             VOLUNTEER BANCORP, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                                             Three Months Ended
                                                                                                  March 31
                                                                                        2004                  2003
                                                                                        ----                  ----
<S>                                                                          <C>                   <C>
CASH FLOWS FROM OPERATING ACTIVITIES
   Net income                                                                $        238,887      $        161,532
   Adjustments to reconcile net income to net cash
     from operating activities
       Depreciation and amortization                                                   55,825                48,563
       Provision for loan losses                                                            0               100,000
       Securities (gains) losses, net                                                 (22,807)             (106,466)
       Federal Home Loan bank stock dividends                                          (3,800)               (3,600)
       Net amortization of premium on securities                                       64,916                46,875
       Write downs of other real estate                                                     0                 5,000
       Increase in bank owned life insurance                                          (23,622)               (9,159)
       Changes in:
         Interest receivable                                                          (30,756)              104,139
         Interest payable                                                             (56,130)              (27,492)
         Other assets                                                                 109,513               159,771
         Other liabilities                                                             10,244               100,542
                                                                             ----------------      ----------------
           Net cash from operating activities                                         342,270               579,707

CASH FLOWS FROM INVESTING ACTIVITIES
   Securities available for sale
     Purchases                                                                              0           (10,232,562)
     Proceeds from calls and maturities                                               723,679             4,261,962
     Proceeds from sales                                                            3,744,590             5,904,082
   Securities held to maturity
     Proceeds from calls and maturities                                                84,476               111,563
   Net change in loans                                                             (4,500,678)           (2,000,208)
   Investment in bank owned life insurance                                                  0            (2,000,000)
   Proceeds from sale of other real estate                                          1,074,765               130,000
   Purchases of premises and equipment, net                                            (6,294)              (21,277)
                                                                             -----------------     ----------------
     Net cash from investing activities                                             1,120,538            (3,846,440)

CASH FLOWS FROM FINANCING ACTIVITIES
   Net change in deposits                                                          (2,306,772)            3,100,999
   Net change in repurchase agreements                                               (175,060)             (298,094)
   Federal funds purchased                                                            875,000                     0
   Repayment of long-term debt                                                       (435,000)             (395,000)
                                                                             ----------------      ----------------
     Net cash from financing activities                                            (2,041,832)            2,407,905
                                                                             ----------------      ----------------

Net change in cash and cash equivalents                                              (579,024)             (858,828)

Cash and cash equivalents at beginning of period                                    3,235,922             9,155,507
                                                                             ----------------      ----------------

Cash and cash equivalents at end of period                                   $      2,656,898      $      8,296,679
                                                                             ================      ================
Supplemental disclosures of cash flow information: Cash paid during the year
   for:
     Interest expense                                                        $        391,733      $        497,514
     Income taxes                                                                           0                 3,704
</TABLE>

                            See accompanying notes.
                                      -6-
<PAGE>


                             VOLUNTEER BANCORP, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (Unaudited)

1.   Management Opinion

In the opinion of the management of Volunteer  Bancorp,  Inc., (the  "Company"),
the unaudited  consolidated  financial statements include all normal adjustments
considered  necessary to present  fairly the financial  position as of March 31,
2004,  the results of  operations  for the three months ended March 30, 2004 and
2003,  and cash flows for the three months ended March 31, 2004 and 2003. All of
these  adjustments are of a normal,  recurring  nature.  Interim results are not
necessarily indicative of results for a full year.

The accompanying  unaudited consolidated financial statements have been prepared
in accordance with accounting principles generally accepted in the United States
of America for interim financial  information and with the instructions for Form
10-QSB.  Accordingly,  they do not include all of the  information and footnotes
required by  accounting  principles  generally  accepted in the United States of
America for complete financial statements.

For further  information,  refer to the  consolidated  financial  statements and
footnotes  included in the Company's  annual report for the year ended  December
31, 2003. The  consolidated  financial  statements  include the accounts for the
Company  and  Citizens  Bank of  East  Tennessee,  (the  "Bank").  All  material
intercompany balances and transactions have been eliminated in consolidation.

2.   Long-Term Debt

The Company's  long-term debt consists of a single note payable in the amount of
$980,000 at March 31, 2004,  due to an  unaffiliated  bank. The interest rate on
the note adjusts  quarterly and is equal to the  three-months  London  Interbank
Offered  Rate (Three  Month  LIBOR) plus 1.95% per annum or at the option of the
Company,  the rate on the note is equal to the lender's  index rate as such rate
changes from time to time.  The Company may change  interest rate options at any
time with prior notice to the lender.  Interest is payable  quarterly.  At March
31,  2004,  the rate on the note was  3.08%  per  annum.  Principal  is  payable
annually on January 31 as follows:

                2005                          470,000
                2006 (final maturity)         510,000
                                         ------------
                                         $    980,000
                                         ============

The loan is secured by all of the stock of Citizens Bank of East Tennessee owned
by the Company.

The note agreement contains financial and operating  covenants.  As of March 31,
2004, the Company is in compliance with these covenants.

3.   Contingencies

During the course of business,  the Company makes various commitments and incurs
certain  contingent  liabilities  that  are not  presented  in the  accompanying
balance sheet.  The commitments  and contingent  liabilities may include various
guarantees,  commitments  to extend  credit,  standby  letters  of  credit,  and
litigation.  In the opinion of  management,  no material  adverse  effect on the
financial  position,  liquidity  or  operating  results of the  Company  and its
subsidiary is anticipated as a result of these items.

                                      -7-

<PAGE>

4.   Certain Regulatory Matters

As a result  of  certain  findings  in the  Tennessee  Department  of  Financial
Institution's  Report of Examination  dated June 4, 2001, the Board of Directors
of the Bank entered into a Memorandum of Understanding (the "Memorandum"), dated
August 16, 2001, with the Commissioner of the Tennessee  Department of Financial
Institutions and the Memphis Regional  Director of the Federal Deposit Insurance
Corporation.  A Memorandum of Understanding is an informal  administrative  tool
for  institutions  that have some weaknesses that if not properly  addressed and
corrected  could lead to supervisory  concern  requiring  formal  administrative
action.  The areas addressed in the Memorandum cover capital adequacy,  laws and
regulations,  data  processing  audit and  review,  investment  policy  maturity
strategies, adequate documentation of each of the foregoing but primarily credit
administration.  As a  result,  the Board has  reviewed  a number of the  Bank's
policies  and  procedures   including  its  loan  policy  and  has  incorporated
recommendations  designed to  strengthen  credit  quality and the Bank's  review
procedures  regarding loan loss reserve adequacy.  Management of the Company and
the Bank believe that the Bank is in substantial  compliance with the provisions
of the Memorandum.

















                                      -8-
<PAGE>



Item 2. Management's  Discussion and Analysis of Financial Condition and Results
        of Operations

As of and for the Three Months Ended March 31, 2004 and 2003.

The  following  provides a narrative  discussion  and  analysis  of  significant
changes in the  results of  operations  and  financial  condition  of  Volunteer
Bancorp,  Inc. (the  "Company").  This discussion  should be read in conjunction
with the consolidated  financial  statements and related financial  analysis set
forth in the Company's 2003 Annual Report,  the interim  unaudited  consolidated
financial  statements  and notes  for the three  months  ended  March 31,  2004,
included elsewhere herein, and the supplemental financial data included herein.

CAUTIONARY STATEMENT ABOUT FORWARD-LOOKING INFORMATION

This discussion contains certain  forward-looking  statements (as defined in the
Private Securities  Litigation Reform Act of 1995). Such statements are based on
management's   expectations  as  well  as  certain   assumptions  made  by,  and
information  available to, management.  Specifically,  this discussion  contains
forward-looking statements with respect to the following items:

     -    effects of projected changes in interest rates,

     -    effects of changes in the securities markets,

     -    effects of changes in general economic conditions,

     -    the adequacy of the  allowance  for loan losses on loans and the level
          of future provisions for losses on loans, and

     -    business  plans for the year 2004 and  beyond  including  underwriting
          criteria.

When used in this  discussion,  the  words  "anticipate",  "project",  "expect",
"believe",   "should",   and  similar   expressions  are  intended  to  identify
forward-looking statements.

These  forward-looking  statements  involve  significant risks and uncertainties
including changes in general economic and financial market  conditions,  changes
in banking  laws and  regulations,  and the  Company's  ability  to execute  its
business plans. Although the Company believes that the expectations reflected in
the  forward-looking  statements  are  reasonable,  actual  results could differ
materially.

SUMMARY

The Company  reported net income for the first three months of 2004 of $238,887,
or $.44 per common share, compared to net income of $161,532 or $0.30 per common
share,  for the same period a year ago. Total assets  decreased  $1,790,887 from
December 31, 2003 to March 31, 2004.  Our return on average  assets was .88% for
the quarter  ended  March 31,  2004  compared to .58% for the same period a year
ago.  This  improvement  is  primarily  due to  significantly  lower  loan  loss
provisions and a decrease in non-interest expenses.

FINANCIAL CONDITION

Earning Assets.

Average  earning assets have remained  constant as a percentage of total average
assets since year end.  Average  earning  assets to Average  Assets is 90.7% for
three months ended March 31, 2004 compared to 90.7% for all of 2003.

                                      -9-
<PAGE>

Loan Portfolio.

The Company's total loan portfolio increased by 6.3% at March 31, 2004 compared
to December 31, 2003. There were differences in the mix as summarized below.

                                                March 31             December 31
                                                  2004                   2003
                                                  ----                   ----
                                                          (in thousands)

Commercial, financial and agriculture        $     5,530          $     4,721
Real estate - construction                         1,528                  992
Real estate - mortgage                            56,455               54,588
Consumer                                           8,443                7,765
Other                                              2,058                1,565
                                             -----------          -----------
                                             $    74,014          $    69,631
                                             ===========          ===========

Allowance for Possible Loan Losses.

Lending  officers are responsible for the ongoing review and  administration  of
each loan.  They make the  initial  identification  of loans that  present  some
difficulty in collection or where there is an indication that the probability of
loss exists.  Lending  officers are responsible  for the collection  effort on a
delinquent loan.  Senior  management is informed of the status of delinquent and
problem loans on a weekly basis.

Senior management makes recommendations  monthly to the Board of Directors as to
charge-offs. Senior management reviews the allowance for possible loan losses on
a monthly basis.

The  Company's  policy  is to  discontinue  interest  accrual  when  payment  of
principal and interest is 90 days or more in arrears, unless there is sufficient
collateral to justify continued accrual.

The  allowance  for  losses  represents  management's  assessment  of the  risks
associated  with extending  credit and its evaluation of the quality of the loan
portfolio.  Management  analyzes the loan portfolio to determine the adequacy of
the  allowance  for loan  losses  and the  appropriate  provisions  required  to
maintain a level  considered  adequate to absorb probable  incurred loan losses.
The  provision  for loan losses was $0 for the three months ended March 31, 2004
as compared to $100,000 in the same period in 2003.

The allowance  for loan losses at March 31, 2004 was 1.16% of loans.  Management
believes  that the  $858,892 at March 31, 2004 is adequate to absorb known risks
in the portfolio.

The  following  table  provides the changes in the allowance for loan losses for
the periods indicated.

                                                   Three Months Ended March 31
                                                    2004                  2003
                                                    ----                  ----
                                                        (in thousands)

Balance, beginning of year                      $    911               $  1,111
Provision charged to expense                           0                    100
Loans charged off                                    (60)                  (134)
Recoveries                                             7                     12
                                                ---------             ----------
Balance, end of year                            $    858              $   1,089

                                      -10-

<PAGE>

Investment Portfolio.

The Company maintains an investment  strategy of seeking portfolio yields within
acceptable risk levels,  as well as providing  liquidity.  The Company maintains
two  classifications  of investment  securities;  Available for Sale and Held to
Maturity.  The Available for Sale  securities  are carried at fair market value,
whereas the Held to Maturity  securities are carried at amortized cost. At March
31, 2004 and December 31, 2003,  there was an  unrealized  gain in the Available
for Sale securities of approximately $444,000 and $350,000, respectively.

The Company's investment securities portfolio decreased approximately $4,500,000
since December 31, 2003.  This decrease is primarily  attributed to management's
selling lower yielding securities to fund higher yielding loans.

Cash Value of Life Insurance.

During  the first  quarter  of 2003,  the  Company  invested  in Bank owned life
insurance  to provide a higher  yield  than  alternative  investments.  The cash
surrender  value of this life  insurance is  $2,112,326  at March 31, 2004.  All
officers of The  Citizens  Bank of East  Tennessee  as of February 15, 2003 were
insured.

Deposits.

Deposits  totaled  $94,406,068  at March 31,  2004  compared to  $96,712,840  at
December 31, 2003. The deposit  decline has primarily  been in interest  bearing
accounts.  Management  has  aggressively  priced  interest  bearing  deposits to
improve interest margins.  Additionally,  management is working to limit deposit
growth  to  core  deposit   customers.   This  limited  growth  will  assist  in
management's  overall  strategy to meet  Memorandum  Guidelines  established for
capital.

Note Payable.

The company's  long-term debt consists of a single note payable in the amount of
$980,000 at March 31, 2004 due an unaffiliated  bank and is discussed further in
Note 2 in the Notes to Consolidated Financial Statements.

Results of Operations

Net income  increased to $238,887 for the three months ended March 31, 2004 from
$161,532 in the same period in 2003.

Net  interest  income  decreased  .51% for the three months ended March 31, 2004
compared to the same period in 2003 from $1,086,969 to $1,081,423.

The provision for loan losses  decreased  $100,000 during the three months ended
March 31, 2004  compared to the same  periods last year.  Non-performing  assets
decreased $2,016,000 from December 31, 2003 to March 31, 2004.

Non-performing assets were as follows as of March 31, 2004 and December 31,2003:


                                               March 31             December 31
                                                 2004                   2003
                                                 ----                   ----
                                                        (in thousands)

Loans past due over 90 days                  $    114               $  1,035
Non-accrual loans                                 350                    175
Other real estate owned                           264                  1,534
                                           -----------           -----------

     Total non-performing assets             $    728               $  2,744
                                           ===========           ===========

                                      -11-
<PAGE>


Non-Interest Income.

Gains on the sale of securities  decreased $83,658 during the first three months
of 2004 compared to 2003. Service charges increased slightly in 2004.

Non-Interest Expense.

Salaries and employee benefits decreased $23,581 in the three months ended March
31, 2004 compared to 2003.  Occupancy and equipment expenses decreased $7,119 in
the three  months ended March 31, 2004  compared to 2003.  Other  expenses  were
lower in the  three  months  ended  March 31,  2004 than in 2003 due to  reduced
professional and legal fees.



Item 3. Controls and Procedures

     (a)  Evaluation of Disclosure Controls and Procedures.

          The  Company's  President  and its Vice  President  and  Cashier  have
          evaluated  the  effectiveness  of  the  design  and  operation  of the
          Company's  disclosure  controls and procedures (as defined in Exchange
          Act Rule  13a-14(c)) as of a date within 90 days of the filing date of
          this quarterly report. Based on that evaluation, the President and the
          Vice   President  and  Cashier  have   concluded  that  the  Company's
          disclosure  controls  and  procedures  are  effective  to ensure  that
          material  information  relating  to  the  Company  and  the  Company's
          consolidated  subsidiaries  is made known to such  officers  by others
          within these entities,  particularly  during the period this quarterly
          report was  prepared,  in order to allow  timely  decisions  regarding
          required disclosure.

     (b)  Changes in Internal Controls.

          There have not been any significant  changes in the Company's internal
          controls or in other  factors  that could  significantly  affect these
          controls subsequent to the date of their evaluation.

















                                      -12-


<PAGE>



                           PART II - OTHER INFORMATION


Item 1. Legal Proceedings

        None

Item 2. Changes in Securities

        None

Item 3. Defaults upon Senior Securities

        None

Item 4. Submission of Matters to a Vote of Security Holders

        None

Item 5. Other Information

        None

























                                      -13-
<PAGE>


Item 6. Exhibits and Reports on Form 8-K

     (a)  Exhibits

          31.1 Certification   of   President   Pursuant   to  Section   302  of
               Sarbanes-Oxley Act

          31.2 Certification  of  Vice  President  Pursuant  to  Section  302 of
               Sarbanes-Oxley Act

          32   Certification   of  President  and  Vice  President  and  Cashier
               Pursuant to Section 18 U.S.C.  Section 1350 (As Adopted  Pursuant
               to Section 906 of the Sarbanes-Oxley Act of 2002)

     (b)  There  have  been no  Current  Reports  on Form 8-K filed  during  the
          quarter ended March 31, 2004.

SIGNATURES

          In  accordance  with  the   requirements  of  the  Exchange  Act,  the
          registrant  caused  this  report  to be  signed  on its  behalf by the
          undersigned, thereunto duly authorized.


                                   VOLUNTEER BANCORP, INC.


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


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
















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