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 September 30, 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,  Tennessee                       37857
---------------------------------------------                       -----
(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 November 10, 2004.


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


<PAGE>


                             VOLUNTEER BANCORP, INC.


                                      INDEX


Part I Finnancial Information Page

     Item 1. Financial Statements

             Consolidated Balance Sheet as of September 30, 2004.............  3

             Consolidated Statements of Income for the Three
               and Nine Months Ended September 30, 2004 and
               September 30, 2003............................................  4

             Consolidated Statements of Cash Flows for the Nine
               Months Ended September 30, 2004 and September 30, 2003........  5

             Notes to Consolidated Financial Statements......................  6

     Item 2.  Management's Discussion and Analysis of Financial
                Condition and Results of Operations..........................  7

     Item 3.  Controls and Procedures........................................ 10

Part II  Other Information

     Item 1.  Legal Proceedings.............................................. 11

     Item 2.  Changes in Securities.......................................... 11

     Item 3.  Defaults upon Senior Securities................................ 11

     Item 4.  Submission of Matters to a Vote of Securities Holders.......... 11

     Item 5.  Other Information.............................................. 11

     Item 6.  Exhibits and Reports on Form 8-K............................... 11


Signatures .................................................................. 12

Certifications ........................................................... 13-15



                                      -2-
<PAGE>





                         PART 1 - FINANCIAL INFORMATION
                             VOLUNTEER BANCORP, INC.
                           CONSOLIDATED BALANCE SHEET
                               September 30, 2004
                                   (Unaudited)


ASSETS
Cash and due from banks                                      $         2,668,516
Federal funds sold                                                             -
                                                              ------------------
   Total cash and cash equivalents                                     2,668,516
Investment securities
   Available for sale                                                 19,883,842
   Held to maturity                                                      407,320
Loans, net (allowance for loan losses $945,608)                       78,094,979
Federal Home Loan Bank stock, at cost                                    397,800
Accrued interest receivable                                              804,362
Premises and equipment, net                                            3,647,748
Other real estate                                                        121,800
Cash surrender value life insurance                                    2,154,695
Other assets                                                             431,058
                                                              ------------------
   Total Assets                                               $      108,612,120
                                                              ==================

LIABILITIES
Deposits
   Non-interest bearing                                       $       13,509,682
   Interest bearing                                                   78,947,414
                                                              ------------------
     Total deposits                                                   92,457,096
Interest payable                                                         253,984
Federal funds purchased                                                1,100,000
Securities sold under repurchase agreements                              600,064
FHLB advances                                                          5,000,000
Other accrued liabilities                                                318,314
Note payable                                                             980,000
                                                              ------------------
   Total Liabilities                                                 100,709,458

STOCKHOLDERS' EQUITY
Common stock, $0.01 par value; 1,000,000 shares
   authorized; 539,027 shares issued and outstanding                       5,390
Additional paid-in capital                                             1,916,500
Retained earnings                                                      5,807,357
Accumulated other comprehensive income                                   173,415
                                                              ------------------
   Total Stockholders' Equity                                          7,902,662

   TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                 $      108,612,120
                                                              ==================


                                      -3-

<PAGE>


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

<TABLE>
<CAPTION>
                                                              Three Months Ended             Nine Months Ended
                                                                 September 30                  September 30
                                                              2004         2003              2004         2003
                                                              ----         ----              ----         ----
<S>                                                       <C>            <C>            <C>             <C>
INTEREST INCOME
   Loans, including fees                                  $ 1,269,444    $ 1,252,890    $ 3,679,043     $ 3,734,888
   Federal funds                                                1,243          2,867          3,246          21,819
   Investment securities:
     Taxable                                                  120,883        169,396        408,036         613,060
     Tax-exempt                                                72,661         72,564        218,013         217,211
                                                          -----------    -----------    -----------     -----------
       Total interest income                                1,464,231      1,497,717      4,308,338       4,586,978

INTEREST EXPENSE
   Deposits                                                   282,654        410,355        882,814       1,272,780
   Other borrowed funds                                        26,581         (8,622)        63,699          39,271
                                                          -----------    -----------    -----------     -----------
     Total interest expense                                   309,235        401,733        946,513       1,312,051

Net interest income                                         1,154,996      1,095,984      3,361,825       3,274,927
Provision for loan losses                                      75,000              -        175,000         390,000
                                                          -----------    -----------    -----------     -----------

Net interest income after provision for loan losses         1,079,996      1,095,984      3,186,825       2,884,927
                                                          -----------    -----------    -----------     -----------

NON-INTEREST INCOME
   Service charges on deposits and fees                       115,275        119,592        341,082         359,161
   Securities gains                                             1,905              -         26,922         107,903
   Other non-interest income                                   74,081         63,217        193,061         167,029
                                                          -----------    -----------    -----------     -----------
     Total non-interest income                                191,261        182,809        561,065         634,093

NON-INTEREST EXPENSE
   Salaries and employee benefits                             530,328        485,302      1,510,373       1,494,843
   Occupancy and equipment expenses                           158,344        177,141        470,558         556,411
   Other non-interest expense                                 253,952        292,332        877,262         925,886
                                                          -----------    -----------    -----------     -----------
     Total non-interest expense                               942,624        954,775      2,858,193       2,977,140
                                                          -----------    -----------    -----------     -----------

Income before income taxes                                    328,633        324,018        889,697         541,880
Income tax expense                                             93,791         94,301        244,154         126,455
                                                          -----------    -----------    -----------     -----------

Net Income                                                $   234,842    $   229,717    $   645,543     $   415,425
                                                          ===========    ===========    ===========     ===========

Other comprehensive income
   Unrealized gain (loss) on securities available
     for sale, before tax                                 $   298,753    $  (287,027)   $   (43,597)    $  (168,356)
   Reclassification for gains included in net income           (1,905)             -        (26,922)       (107,903)
   Income taxes related to other comprehensive income        (112,802)       103,330         26,797         104,978
                                                          -----------    -----------    -----------     -----------
                                                              184,046       (183,697)       (43,722)       (171,281)
                                                          -----------    -----------    -----------     -----------

Total comprehensive income                                $   418,888    $    46,020    $   601,821     $   244,144
                                                          ===========    ===========    ===========     ===========

Net income per common share                               $       .44    $       .43    $      1.20     $       .77
Common shares outstanding                                     539,027        539,027        539,027         539,027
</TABLE>

                                      -4-

<PAGE>


                         PART I - FINANCIAL INFORMATION
                             VOLUNTEER BANCORP, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                                            Nine Months Ended
                                                                                              September 30
                                                                                        2004                  2003
                                                                                        ----                  ----
<S>                                                                          <C>                   <C>
CASH FLOWS FROM OPERATING ACTIVITIES
   Net income                                                                $        645,543      $        415,425
   Adjustments to reconcile net income to net cash
     from operating activities
       Provision for loan losses                                                      175,000               390,000
       Depreciation and amortization                                                  150,974               332,484
       Gain on securities                                                             (26,922)             (107,903)
       Loss on OREO                                                                    11,436                16,758
       Writedown of OREO                                                               17,600                 5,000
       Federal Home Loan bank stock dividends                                         (11,800)              (11,100)
       Increase in cash surrender value of life insurance                             (65,991)              (61,715)
       Change in:
         Other assets                                                                 264,354               242,455
         Other liabilities                                                            130,953                53,969
                                                                             ----------------      ----------------
           Net cash from operating activities                                       1,292,147             1,275,373

CASH FLOWS FROM INVESTING ACTIVITIES Activity in held to maturity securities:
     Maturities, prepayments, and calls                                               336,329               690,992
   Activity in available for sale securities:
     Proceeds                                                                       3,744,590             5,797,617
     Purchases                                                                              -           (21,275,460)
     Maturities, prepayments, and calls                                             3,370,329            12,942,136
   Net change in loans                                                             (9,687,752)           (2,528,202)
   Purchase of premise and equipment, net                                             (82,796)             (117,420)
   Proceeds from sale of OREO                                                       1,259,329               378,325
   Investment in cash surrender value life insurance                                        -            (2,000,000)
                                                                             ----------------      ----------------
     Net cash from investing activities                                            (1,059,971)           (6,112,012)

CASH FLOWS FROM FINANCING ACTIVITIES
   Change in FHLB advances                                                          5,000,000                     -
   Net change in deposits                                                          (4,255,744)              210,221
   Net change in securities sold under repurchase agreements
     and federal funds purchase                                                    (1,108,838)             (553,496)
   Repayment of long-term debt                                                       (435,000)             (395,000)
                                                                             ----------------      ----------------
     Net cash from financing activities                                              (799,582)             (738,275)
                                                                             ----------------      ----------------

Net change in cash and cash equivalents                                              (567,406)           (5,574,914)

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

Cash and cash equivalents at end of period                                   $      2,668,516      $      3,580,593
                                                                             ================      ================

Supplemental disclosure of cash flow information
   Cash paid during the period for
     Interest                                                                $      1,010,109      $      1,334,144
     Income taxes                                                                      18,719                91,204
</TABLE>

                                      -5-
<PAGE>


1.   Basis of Presentation

In the opinion of management,  the unaudited  consolidated  financial statements
include  all normal  adjustments  considered  necessary  to  present  fairly the
financial  position as of September 30, 2004,  the results of operations for the
three and nine months ended  September 30, 2004 and 2003, and cash flows for the
nine months ended September 30, 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-Q.  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 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 September 30, 2004, due an unaffiliated  national 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
September  30,  2004,  the rate on the note was 3.65% 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 September
30, 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.

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 covered capital

                                      -6-

<PAGE>


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.
The memorandum was lifted August 19, 2004.

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

As of and for the Three and Nine Months Ended September 30, 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  and nine  months  ended
September 30, 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 nine months of 2004 of $645,543,
or $1.20 per  common  share,  compared  to net income of  $415,425  for the same
period a year ago and for the three months ended  September  30, 2004 net income
was $234,842, or $.44 per share compared to a net income of $229,717 or $.43 per
share in the third quarter of 2003. Total assets decreased approximately $67,000
from December 31, 2003 to September 30, 2004.  Our return on average  assets was
..80% for nine months  ended  September  30,  2004  compared to .54% for the year
ended  December 31, 2003.  This  improvement  is primarily due to  significantly
lower loan loss provisions and a decrease in non-interest expense.

                                      -7-

<PAGE>


Financial Condition

Earning Assets.

Average  earning  assets has remained  constant as a percentage of total average
assets.  Average earning assets to Average Assets is 90.7% for nine months ended
September 30, 2004 compared to 90.7% for all of 2003.

Loan Portfolio.

The Company's  total loan  portfolio  has increased  13.5% at September 30, 2004
compared to December 31, 2003 and is summarized below.

                                              September 30           December 31
                                                   2004                  2003
                                                   ----                 ----
                                                          (in thousands)

Commercial, financial and agriculture        $     5,360          $     4,721
Real estate - construction                         5,678                  992
Real estate - mortgage                            58,628               54,588
Consumer                                           8,727                7,765
Other                                                648                1,565
                                              -----------         -----------
                                             $    79,041          $    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 $175,000 for the nine months ended  September
30, 2004 as  compared  to  $390,000 in the same period in 2003.  For the quarter
ended September 30, 2004 the provision was $75,000 compared to $0 in 2003.

The  allowance  for loan  losses  at  September  30,  2004 was  1.20% of  loans.
Management  believes  that the  $945,608  at  September  30, 2004 is adequate to
absorb known risks in the portfolio.


                                      -8-


<PAGE>


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

                                                  Nine Months Ended September 30
                                                     2004                  2003
                                                     ----                  ----
                                                           (in thousands)

Balance, beginning of year                    $       911           $     1,111
Provision charged to expense                          175                   390
Loans charged off                                    (197)                 (686)
Recoveries                                             57                    30
                                              -----------           -----------
Balance, end of year                          $       946           $       845


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
September  30, 2004,  there was an  unrealized  gain in the  Available  for Sale
securities of approximately  $280,000 compared to an unrealized gain of $350,000
at December 31, 2003.

The company's  Investment  securities  portfolio  decreased  approximately  $7.8
million  since  December 31, 2003.  This  decrease is  primarily  attributed  to
management  selling lower yielding  securities to fund higher yielding loans, as
well as principal pay downs on mortgage backed securities.

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 $2,154,695 at September 30, 2004. All
officers of The  Citizens  Bank of East  Tennessee  as of February  15, 2003 are
insured.

Deposits.

Deposits  totaled  $92,457,096  at September 30, 2004 compared to $96,712,840 at
December  31,  2003.  The deposit  decline has  primarily  been in the  Interest
Bearing accounts.  Management has aggressively  priced interest bearing deposits
to  improve  interest  margins.  Additionally,  management  is  working to limit
deposit growth to only core deposit  customers.  This limited growth will assist
in management's overall strategy to strengthen capital ratios.

Note Payable.

The company's  long-term debt consists of a single note payable in the amount of
$980,000  at  September  30,  2004  due an  unaffiliated  national  bank  and is
discussed further in Note 2 in the Notes to Consolidated Financial Statements.

RESULTS OF OPERATIONS

Net income  increased to $645,543 for the nine months ended  September  30, 2004
from $415,425 in the same period in 2003.  For the three months ended  September
30, 2004, net income was $234,842 compared to $229,717 in 2003.

Net interest income increased 2.7% from the nine months ended September 30, 2003
to the same period in 2004 from  $3,274,927  to $3,361,825  and increased  5.38%
from the three month period ended September 30, 2003 to the same period in 2004.


                                      -9-

<PAGE>

The  provision  for loan losses  decreased  $215,000  for the nine months  ended
September 30, 2004 and increased $75,000 during the three months ended September
30, 2004 compared to the same periods last year. Non-performing assets decreased
$1,995,000 from December 31, 2003 to September 30, 2004.

Non-performing  assets were as follows as of September 30, 2004 and December 31,
2003:

                                              September 30           December 31
                                                    2004                2003
                                                    ----                ----
                                                         (in thousands)

Loans past due over 90 days                 $        35           $     1,035
Non-accrual loans                                   592                   175
Other real estate owned                             122                 1,534
                                            -----------           -----------
     Total non-performing assets            $       749           $     2,744
                                            ===========           ===========

Non-Interest Income.

Gains on the sale of  securities  decreased  $80,981  from  $107,903 in the nine
months ended  September  30, 2003 to $26,922 in the nine months ended  September
30, 2004.  Service  charges  decreased $4 thousand and $18 thousand in the three
and nine months ended September 30, 2004.

Non-Interest Expense.

Salaries and employee  benefits  increased  $45 thousand and $16 thousand in the
three and nine months ended  September 30, 2004 compared to 2003.  Occupancy and
equipment expenses were  significantly  lower in the three and nine months ended
September  30, 2004 than in 2003, as a result of maturing  operating  leases for
equipment.  Other non-interest expense decreased $49 thousand in the nine months
ended  September  30, 2004  compared to 2003 and  decreased $38 thousand for the
three months ending September 30, 2004.

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 the  end of the  period  covered  by this
          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.


                                      -10-

<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

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

               32.1 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 September 30, 2004.




                                      -11-

<PAGE>

                                   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:  November 12, 2004           /s/ Reed D. Matney
                                   --------------------------------------------
                                   Reed D. Matney, President


Date:  November 12, 2004           /s/ Greg Oliver
                                   --------------------------------------------
                                   Greg Oliver, Vice President and Cashier


















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