UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 10-Q

(Mark  One)

{  X  }   Quarterly  Report Under Section 13 or 15(d) of the Securities Exchange
          Act  of  1934  For  the  Quarterly  Period  Ended June 30, 2002 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  Number:  0-23605


                              CAVALRY BANCORP, INC.
                              ---------------------
             (exact name of registrant as specified in its charter)


            Tennessee                                        62-1721072
            ---------                                        ----------
     (State or other jurisdiction                       (I.R.S.  Employer
     of incorporation or organization)                     I.D.  Number)

114 West College Street, Murfreesboro, Tennessee                 37130
------------------------------------------------                 -----
 (Address of principal executive offices)                     (Zip Code)

                                     (615) 893-1234
                                 ---------------------
                  Registrant's telephone number, including area code

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 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 has been subject to such filing requirements
for  the  past  90  days.

                    Yes  X                    No
                       ----                     ----

Indicate  the  number  of  shares outstanding of each of the issuer's classes of
common  stock,  as  of  the  latest  practicable  date.

Common  Stock  Issued  and  Outstanding:  6,908,137  as  of  August  12,  2002.

<PAGE>


                              CAVALRY BANCORP, INC.

                                Table of Contents

<TABLE>
<CAPTION>



<S>         <C>                                                                          <C>
Part I      Financial Information                                                        Page

Item 1.     Financial Statements

            Consolidated Balance Sheets at June 30, 2002 (unaudited)
            and December 31, 2001                                                            1


            Consolidated Statements of Income (unaudited) for the Three and Six Months
            Ended June 30, 2002 and 2001                                                     2


            Consolidated Statements of Comprehensive Income (unaudited) for the
            Three and Six Months Ended June 30, 2002 and 2001                                3


            Consolidated Statements of Cash Flows (unaudited) for the Six Months
            Ended June 30, 2002 and 2001                                                     4


            Notes to Consolidated Financial Statements (unaudited)                         5-7


Item 2.     Management's Discussion and Analysis of Financial
            Condition and Results of Operations                                           8-12

Item 3.     Quantitative and Qualitative Disclosures About Market Risk                   12-13

Part II     Other Information                                                               14

Signatures                                                                                  15
</TABLE>



<PAGE>
Part  I.     Financial  Information

ITEM  1.                 FINANCIAL  STATEMENTS

                                             CAVALRY BANCORP, INC.
                                           CONSOLIDATED BALANCE SHEETS
                                JUNE 30, 2002 (UNAUDITED) AND DECEMBER 31, 2001
                                             (DOLLARS IN THOUSANDS)

<TABLE>
<CAPTION>



                         ASSETS                                               June 30, 2002    December 31, 2001
---------------------------------------------------------------------------  ---------------  -------------------
<S>                                                                          <C>              <C>
                                                                                 (Unaudited)
Cash and due from banks                                                      $       20,385   $           23,596
Interest-bearing deposits with other financial institutions                             319                  393
Federal funds sold                                                                   33,313               45,292
                                                                             ---------------  -------------------
Cash and cash equivalents                                                            54,017               69,281
Investment securities available-for-sale at fair value (amortized cost:
  $33,365 and $41,571 at June 30, 2002 and December 31, 2001, respectively)          33,485               41,808
Investment securities held to maturity - at amortized cost (fair value:
  $535 and $632 at June 30, 2002 and December 31, 2001, respectively)                   538                  637
Federal Home Loan Bank of Cincinnati and
  Federal Reserve Bank stock - at cost                                                3,449                2,159
Loans held for sale, at estimated fair value                                          4,496               10,423
Loans receivable, net of allowances for loan losses of $4,531 in 2002 and
  $4,470 in 2001                                                                    291,925              280,239
Accrued interest receivable                                                           1,880                2,139
Office properties and equipment, net                                                 17,783               15,554
Bank owned life insurance                                                             7,662                7,500
Foreclosed assets, net                                                                  305                  184
Goodwill                                                                              1,772                    -
Other assets                                                                          2,147                2,950
                                                                             ---------------  -------------------
Total assets                                                                 $      419,459   $          432,874
                                                                             ===============  ===================

                  LIABILITIES AND SHAREHOLDERS' EQUITY
---------------------------------------------------------------------------
Liabilities:
Deposits:
     Interest-bearing                                                        $      318,547   $          332,688
      Non-interest-bearing                                                           47,835               48,302
                                                                             ---------------  -------------------
            Total deposits                                                          366,382              380,990
Advances from Federal Home Loan Bank of Cincinnati                                      971                  998
Accrued expenses and other liabilities                                                2,759                2,080
                                                                             ---------------  -------------------
               Total liabilities                                                    370,112              384,068
                                                                             ---------------  -------------------
Shareholders' equity:
Preferred stock, no par value
  Authorized- 250,000 shares; none issued or outstanding at
     June 30, 2002 and December 31, 2001                                                  -                    -
Common stock, no par value
  Authorized- 49,750,000 shares; issued and outstanding
     6,958,637 and 7,079,801 at June 30, 2002
     and December 31, 2001, respectively                                             10,380               11,683
Retained earnings                                                                    42,332               40,700
Unallocated ESOP Shares                                                              (3,440)              (3,723)
Accumulated other comprehensive income, net of tax                                       75                  146
                                                                             ---------------  -------------------
Total shareholders' equity                                                           49,347               48,806
                                                                             ---------------  -------------------
Total liabilities and shareholders' equity                                   $      419,459   $          432,874
                                                                             ===============  ===================
<FN>

Note:  The balance sheet at December 31, 2001 has been derived from the audited financial statements at that date
but does not include all of the information and footnotes required by accounting principles generally accepted in
the  United  States  of  America  for  complete  financial  statements.
</TABLE>

See  accompanying  notes  to  consolidated  financial  statements.

                                        1
<PAGE>
<TABLE>
<CAPTION>



                                                        Three Months Ended                        Six Months Ended
                                                             June 30,                                 June 30,
                                                     2002                 2001                 2002                2001
                                              -------------------  -------------------  -------------------  -----------------
<S>                                           <C>                  <C>                  <C>                  <C>


Interest and dividend income:
 Loans                                        $             5,304  $             6,186  $            10,530  $          12,678
 Investment securities                                        312                  669                  705              1,253
 Other                                                        269                  331                  569                755
                                              -------------------  -------------------  -------------------  -----------------
       Total interest and dividend income                   5,885                7,186               11,804             14,686
                                              -------------------  -------------------  -------------------  -----------------
Interest expense - deposits                                 1,770                3,467                3,694              7,095
Interest expense - borrowings                                   5                    5                   11                 19
                                              -------------------  -------------------  -------------------  -----------------
      Total interest expense                                1,775                3,472                3,705              7,114
                                              -------------------  -------------------  -------------------  -----------------
 Net interest income                                        4,110                3,714                8,099              7,572
 Provision for loan losses                                     54                   63                  163                166
                                              -------------------  -------------------  -------------------  -----------------
  Net interest income after provision
     for loan losses                                        4,056                3,651                7,936              7,406
                                              -------------------  -------------------  -------------------  -----------------
Non-interest income:
  Servicing income                                             55                   62                  124                137
  Gain on sale of loans, net                                  581                  609                1,150              1,012
  Deposit servicing fees and charges                          921                1,004                1,800              1,826
  Trust service fees                                          296                  292                  552                585
   Insurance commissions and fees                             555                    -                1,054                  -
  Other operating income                                      301                  158                  500                327
                                              -------------------  -------------------  -------------------  -----------------
    Total non-interest income                               2,709                2,125                5,180              3,887
                                              -------------------  -------------------  -------------------  -----------------
 Non-interest expenses:
    Salaries and employee benefits                          3,018                2,486                5,810              4,831
   Occupancy expense                                          302                  247                  572                486
   Supplies, communications and other
     office expenses                                          263                  231                  522                460
   Federal insurance premiums                                  16                   15                   32                 31
   Advertising expense                                        176                  109                  263                205
   Equipment and service bureau expense                       707                  621                1,331              1,173
   Other operating expense                                    434                  397                  890                776
                                              -------------------  -------------------  -------------------  -----------------
      Total non-interest expenses                           4,916                4,106                9,420              7,962
                                              -------------------  -------------------  -------------------  -----------------
  Income before income taxes                                1,849                1,670                3,696              3,331
  Income tax expense                                          676                  717                1,454              1,421
                                              -------------------  -------------------  -------------------  -----------------
Net income                                    $             1,173  $               953  $             2,242  $           1,910
                                              ===================  ===================  ===================  =================

Basic earnings per share                      $              0.18  $              0.15  $              0.35  $            0.30
                                              ===================  ===================  ===================  =================

Diluted earnings per share                    $              0.17  $              0.15  $              0.34  $            0.30
                                              ===================  ===================  ===================  =================

Weighted average shares outstanding -Basic              6,436,781            6,469,086            6,465,859          6,456,937
                                              ===================  ===================  ===================  =================

Weighted average shares outstanding -Diluted            6,756,723            6,478,762            6,626,098          6,468,975
                                              ===================  ===================  ===================  =================
</TABLE>




Dividends  declared  $0.05  per  share payable July 12, 2002 for shareholders of
record  date  June  30,  2002.

See  accompanying  notes  to  consolidated  financial  statements.


                                        2
<PAGE>

<TABLE>
<CAPTION>

                                          CAVALRY BANCORP, INC.
                             CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                                         (DOLLARS IN THOUSANDS)
                                             (UNAUDITED)

                                                         Three Months Ended     Six Months Ended
                                                              June 30,              June 30,
                                                           2002       2001       2002      2001
                                                          ------     ------    -------    ------
<S>                                                        <C>       <C>       <C>        <C>

Net income                                                 $1,173     $953     $2,242     $1,910
Other comprehensive income, net of tax:
Unrealized gains (losses) on securities
 available-for-sale                                            71       14        (71)       111
                                                          --------   ------      ------   ------

Comprehensive income                                      $ 1,244   $  967       $2,171   $2,021
                                                          =======   ======      =======   ======
</TABLE>

See  accompanying  notes  to  consolidated  financial  statements.

                                        3
<PAGE>
                              CAVALRY BANCORP, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                     SIX MONTHS ENDED JUNE 30, 2002 AND 2001
                             (DOLLARS IN THOUSANDS)
                                   (UNAUDITED)
<TABLE>
<CAPTION>

                                                        2002       2001
                                                      ---------  ---------
<S>                                                   <C>        <C>

Operating activities:
          Net cash provided by operating activities   $ 11,426   $    861
                                                      ---------  ---------
Investing activities:
   Decrease ( increase) in loans receivable, net       (12,140)     4,497
   Principal payments on investment securities           1,538         22
  Purchase of investment securities
     available for sale                                 (9,355)   (41,991)
  Purchase of Federal Reserve Stock                     (1,240)         -
  Proceeds from maturities of investment securities     16,000     24,630
  Purchase of office properties and equipment           (2,819)    (1,087)
   Proceeds from sale of real estate acquired
       through foreclosure                                  81          -
  Cash paid in acquisition of Miller & Loughry          (1,964)         -
                                                      ---------  ---------
          Net cash used in investing activities         (9,899)   (13,929)
                                                      ---------  ---------

Financing activities:
  Net increase (decrease) in deposits                  (14,608)    13,370
  Retirement of common stock                            (1,546)         -
  Dividends paid                                          (610)      (620)
  Net decrease in borrowings                               (27)      (553)
                                                      ---------  ---------
         Net cash provided by (used in)
          financing activities                         (16,791)    12,197
                                                      ---------  ---------
Decrease in cash and cash equivalents                  (15,264)      (871)
Cash and equivalents, beginning of period               69,281     45,025
                                                      ---------  ---------

 Cash and cash equivalents, end of period             $ 54,017   $ 44,154
                                                      =========  =========

SUPPLEMENT DISCLOSURES OF CASH
   FLOW INFORMATION:
Payments during the period for:
Interest                                              $  3,736   $  6,992
                                                      =========  =========
Income taxes                                          $  1,350   $  1,529
                                                      =========  =========

SUPPLEMENTAL DISCLOSURES OF NONCASH
  INVESTING AND FINANCING ACTIVITIES:

Increase (Decrease) in deferred tax asset related
   to unrealized gain (loss) on investments           $     46   $    (69)
                                                      =========  =========
Net unrealized gain (loss) on investment
    securities available for sale                     $   (117)  $    180
                                                      =========  =========
Dividends declared and payable                        $    306   $    355
                                                      =========  =========
</TABLE>

See  accompanying  notes  to  consolidated  financial  statements.

                                        4
<PAGE>
                              CAVALRY BANCORP, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1.     Basis  of  Presentation

Cavalry  Bancorp,  Inc. (the "Company"), a Tennessee corporation, is the holding
company  for  Cavalry  Banking  (the  "Bank") which is a state chartered Federal
Reserve  member  commercial bank.  Miller & Loughry Insurance and Services, Inc.
("Miller  &  Loughry"),  an  independent  insurance  agency,  is  a wholly-owned
subsidiary  of  the  Bank.

The unaudited consolidated financial statements include the accounts of Miller &
Loughry,  the  Bank  and  the  Company.  All  material intercompany accounts and
transactions  have  been  eliminated  in  consolidation.

The  accompanying  consolidated  financial  statements  of the Company have been
prepared in accordance with Instructions to 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.  However,  such  information  reflects  all  adjustments (consisting
solely of normal recurring adjustments) which are, in the opinion of management,
necessary  for  a  fair  statement  of  results  for  the  interim  periods.

The  results of operations for the three and six months ended June 30, 2002, are
not  necessarily  indicative  of  the results to be expected for the year ending
December  31,  2002.  The  consolidated  financial  statements and notes thereto
should be read in conjunction with the audited consolidated financial statements
and  notes  thereto  for  the  year  ended  December  31,  2001.

2.     Acquisitions

On  January  4,  2002,  Cavalry  Banking,  a  wholly owned subsidiary of Cavalry
Bancorp, Inc., completed the acquisition of 100% of the capital stock issued and
outstanding  of  Miller  &  Loughry  Insurances  and  Services, Inc., for a cash
purchase  price  of  approximately  $2.0  million.

Due  to  the  insignificant  effect  on  the  financial  position and results of
operations,  no  pro-forma  data  of  this acquisition is required or presented.

3.     Earnings  Per  Share

The  following  schedule reconciles the numerators and denominators of the basic
and diluted earnings per share ("EPS") computations for the three and six months
ended  June 30, 2002 and 2001.  Diluted common shares arise from the potentially
dilutive  effect  of  the  Company's  stock  options  outstanding.

<TABLE>
<CAPTION>

                                      Quarter Ended June 30  Six Months Ended June 30
                                      ---------------------  ------------------------
                                        2002         2001        2002       2001
                                        ----         ----        ----       ----
<S>                                  <C>         <C>         <C>         <C>
Basic EPS:
Net income                           $1,173,000  $  953,000  $2,242,000  $1,910,000
Average common shares outstanding     6,436,781   6,469,086   6,465,859   6,456,937
                                     ----------  ----------  ----------  ----------

Earnings per share - basic           $     0.18  $     0.15  $     0.35  $     0.30
                                     ==========  ==========  ==========  ==========

Diluted EPS:
Net income                           $1,173,000  $  953,000  $2,242,000  $1,910,000
                                     ----------  ----------  ----------  ----------

Average common shares outstanding     6,436,781   6,469,086   6,465,859   6,456,937
Dilutive effect of stock options        319,942       9,676     160,239      12,038
                                     ----------  ----------  ----------  ----------

Average dilutive shares outstanding   6,756,723   6,478,762   6,626,098   6,468,975
                                     ----------  ----------  ----------  ----------

Earnings per share - diluted         $     0.17  $     0.15  $     0.34  $     0.30
                                     ==========  ==========  ==========  ==========
</TABLE>


                                        5
<PAGE>

4.     Business  Segments

The  Company  and  its subsidiary provide community oriented banking services to
individuals  and  businesses primarily within Rutherford and Bedford counties in
Middle  Tennessee.

The  Company's  segments  are  identified  by the products and services offered,
principally  distinguished  as  banking,  trust, insurance, and mortgage banking
operations.  The  majority  of  loans  originated  for  sale  are  sold with the
servicing  rights  attached.

Segment  information  is  derived from the internal reporting system utilized by
management  with  accounting  policies  and  procedures  consistent  with  those
described  in  Note  1  of  the  2001  Annual  Report  to Shareholders.  Segment
performance  is  evaluated  by the Company based on profit or loss before income
taxes.  Revenue,  expense,  and  asset  levels  reflect  those  which  can  be
specifically  identified  and  those  assigned  based  on  internally  developed
allocation  methods.  These  methods  have  been  consistently  applied.

<TABLE>
<CAPTION>

<S>                              <C>       <C>        <C>     <C>         <C>             <C>
                                           Mortgage
For the quarter ended            Banking   Banking    Trust   Insurance   Eliminations    Consolidated
June 30, 2002:
Interest revenue                 $  5,885  $       -  $    -  $        -  $           -   $       5,885
Other income-external customers     1,384         55     296         368              -           2,103
Interest expense                    1,775          -       -           -              -           1,775
Depreciation and amortization         269         47       1           9              -             326
Other significant items:
    Provision for loan losses          54          -       -           -              -              54
    Gain on sales of assets            25        581       -           -              -             606
Segment profit                      1,897          -      43           9           (100)          1,849
Segment assets                    413,837      4,832     379       2,629         (2,218)        419,459
</TABLE>

<TABLE>
<CAPTION>

<S>                              <C>       <C>        <C>     <C>
                                           Mortgage
For the quarter ended            Banking   Banking    Trust   Consolidated
June 30, 2001:
Interest revenue                 $  7,186  $       -  $    -  $       7,186
Other income-external customers     1,162         62     292          1,516
Interest expense                    3,472          -       -          3,472
Depreciation and amortization         236         42       9            287
Other significant items:
   Provision for loan losses           63          -       -             63
   Gain on sale of assets               -        609       -            609
Segment profit                      1,592          1      77          1,670
Segment assets                    391,813      7,268     322        399,403
</TABLE>

<TABLE>
<CAPTION>

<S>                               <C>       <C>         <C>     <C>         <C>             <C>
                                            Mortgage
For the six months ended          Banking   Banking     Trust   Insurance   Eliminations    Consolidated
June 30, 2002:
Interest revenue                  $ 11,804  $       -   $    -  $        -  $           -   $      11,804
Other income-external customers      2,507        124      552         822              -           4,005
Interest expense                     3,705          -        -           -              -           3,705
Depreciation and amortization          515         91       12          18              -             636
Other significant items:
    Provision for loan losses          163          -        -           -              -             163
    Gain on sales of assets             25      1,150        -           -              -           1,175
Segment profit (loss)                3,619         (5)     116          85           (119)          3,696
Segment assets                     413,837      4,832      379       2,629         (2,218)        419,459
</TABLE>

<TABLE>
<CAPTION>

<S>                               <C>       <C>         <C>     <C>
                                            Mortgage
For the six months ended          Banking   Banking     Trust   Consolidated
June 30, 2001:
Interest revenue                  $ 14,686  $       -   $    -  $      14,686
Other income-external customers      2,153        137      585          2,875
Interest expense                     7,114          -        -          7,114
Depreciation and amortization          460         83       17            560
Other significant items:
   Provision for loan losses           166          -        -            166
   Gain on sale of assets                -      1,012        -          1,012
Segment profit (loss)                3,185         (5)     151          3,331
Segment assets                     391,813      7,268      322        399,403
</TABLE>


                                        6
<PAGE>

5.     New  Accounting  Standards  Pronouncements

SFAS  No.  140,  "Accounting for Transfers and Servicing of Financial Assets and
Extinguishments  of  Liabilities," was issued in September 2000.  This statement
replaces  SFAS  No. 125, and requires certain disclosures, but carries over most
of  the  provisions  of  SFAS No. 125.  SFAS 140 was effective for transfers and
servicing  of financial assets and extinguishments of liabilities of the Company
occurring  after  March  31,  2001  and  did  not  have a material impact on the
Company's  financial  statements.

SFAS  No. 141, "Business Combinations" issued on June 29, 2001 requires business
combinations  entered  into  after  June  30, 2001 to be accounted for using the
purchase  method  of  accounting.  Specifically  identifiable  intangible assets
acquired,  other  than  goodwill,  will be amortized over their estimated useful
economic  life.  This  pronouncement  had  no  material  effect on the Company's
financial  statements.

SFAS  No.  142, "Goodwill and Other Intangible Assets", issued on June 29, 2001,
addresses  how  intangible assets that are acquired individually or with a group
of  other  assets  should  be  accounted  for in financial statements upon their
acquisition.  This  statement  also  addresses how goodwill and other intangible
assets  should be accounted for after they have been initially recognized in the
financial  statements.  This statement results in the end to systematic goodwill
and  other  intangible  amortization  and  requires  impairment testing on those
balances  at  least  annually  or  if  circumstances  arise  that  suggest  that
impairment  may  be  an  issue.  SFAS  No.  142  was  effective  for the Company
beginning  on  January  1,  2002  and  is  applicable  to all goodwill and other
intangible  assets  regardless  of  when those assets were initially recognized.

SFAS  No.  143,  "Accounting  for  Asset Retirement Obligations", issued in June
2001,  addresses  financial  accounting  and  reporting  for  legal  obligations
associated  with the retirement of tangible long-lived assets and the associated
asset  retirement  costs.  SFAS  No. 143 is effective for fiscal years beginning
after  June  15, 2002.  This Statement is not expected to have a material impact
on  the  Company's  financial  statements.

SFAS  No.  144,  "Accounting  for the Impairment of Long-Lived Assets" issued in
August  2001,  supercedes SFAS 121, "Accounting for the Impairment of Long-Lived
Assets  and  for  Long-Lived  Assets  to  Be Disposed Of" and the accounting and
reporting  provisions  of  APB  No.  30,  "Reporting the Results of Operations -
Reporting the Effects of Disposal of a Segment of a Business, and Extraordinary,
Unusual and Infrequently Occurring Events and Transactions," for the disposal of
a  segment  of  a  business.  While SFAS No. 144 retains many of the fundamental
provisions  of  SFAS  No.  121,  it  establishes  a  single accounting model for
long-lived assets to be disposed of by sale, and resolves certain implementation
issues  not previously addressed by SFAS No. 121.  SFAS No. 144 is effective for
fiscal  years  beginning after December 15, 2001.  This Statement did not have a
material  impact  on  the  Company's  financial  statements.

6.     Deferred  Compensation  and  Retirement  Plans

The  Company  has  entered into separate deferred compensation arrangements
with  the  Board  of  Directors and certain senior officers.  The plans call for
amounts payable at retirement, death or disability as defined in the agreements.
The  estimated  present  value of the deferred compensation will be accrued over
the  remaining  expected term of active employment.  The Bank has purchased life
insurance  policies  that  it  intends  to  use  to  finance  this  liability.

                                        7
<PAGE>

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

Private  Securities  Litigation  Reform  Act  Safe  Harbor  Statement

This  Quarterly Report contains forward-looking statements within the meaning of
the  federal securities laws.  These statements are not historical facts, rather
statements  based  on  the Company's current expectations regarding its business
strategies  and  their  intended  results  and  its  future  performance.
Forward-looking  statements are preceded by terms such as "expects," "believes,"
"anticipates,"  "intends,"  and  similar  expressions.

Forward-looking  statements  are not guarantees of future performance.  Numerous
risks  and  uncertainties could cause the Company's actual results, performance,
and  achievements  to be materially different from those expressed or implied by
the  forward-looking  statements.  Factors that may cause or contribute to these
differences  include, without limitation, general economic conditions, including
changes  in market interest rates and changes in monetary and fiscal policies of
the  federal  government;  legislative and regulatory changes; and other factors
disclosed periodically in the Company's filings with the Securities and Exchange
Commission.

Because  of  the risks and uncertainties inherent in forward-looking statements,
readers  are  cautioned not to place undue reliance on them, whether included in
this report or made elsewhere from time to time by the Company or on its behalf.
The  Company  assumes  no  obligation  to update any forward-looking statements.

Comparison  of  Financial  Condition  at  June  30,  2002  and December 31, 2001

Total assets were $419.5 million at June 30, 2002, compared to $432.9 million at
December  31,  2001,  a  decrease  of  $13.4  million or 3.10%. This decline was
primarily  a  result of a decline in total deposits.  As a result of the decline
in  deposits, cash and cash equivalents decreased from $69.3 million at December
31,  2001,  to  $54.0  million  at  June  30,  2002.  Investment  securities
available-for-sale  decreased  from $41.8 million at December 31, 2001, to $33.5
million  at  June 30, 2002 as a result of maturing securities being used to fund
increases  in  office  properties and equipment.  Loans receivable net increased
$11.7  million  from  $280.2  million at December 31, 2001, to $291.9 million at
June  30,  2002. Office properties and equipment increased from $15.6 million at
December 31, 2001 to $17.8 million at June 30, 2002.  This increase was a result
of  the  purchase  of land for a future branch location, completion of the first
floor  of the Financial Services Building, and purchase of computers and banking
equipment.  The first floor of the Financial Services Building now houses Miller
and  Loughry,  the  Investment  Management  and  Trust  Department  and  Cavalry
Investment  services.  In  the  first quarter of 2002, the Company completed the
purchase  of  Miller  &  Loughry,  an  independent  insurance  agency,  for $2.0
million.  The  increase  in  goodwill  was  a result of the purchase of Miller &
Loughry.

Deposit  accounts  decreased  $14.6  million from $381.0 million at December 31,
2001,  to  $366.4  million  at June 30, 2002.  Certificates of deposit increased
$4.1  million from $145.6 million at December 31, 2001 to $149.7 million at June
30,  2002.  Savings  deposits  increased  $2.0  million  from  $13.9  million at
December  31,  2001  to  $15.9  million at June 30, 2002.  Money market accounts
decreased  $1.4 million from $91.6 million at December 31, 2001 to $90.2 million
at  June  30,  2002.  NOW  accounts declined $18.9 million from $81.6 million at
December  31,  2001  to  $62.7  million  at June 30, 2002.  Transaction accounts
decreased  $500,000  from $48.3 million at December 31, 2001 to $47.8 million at
June  30,  2002.  Management  feels  that these declines are temporary, and will
continue  to  market  deposit  relationships.

Stockholders'  equity  increased  by $500,000 from $48.8 million at December 31,
2001,  to  $49.3  million  at  June 30, 2002.  This increase was a result of net
income  of  $2.2  million  and  the  release  of  $526,000 in ESOP shares. These
increases  were  partially  offset  by dividends of $610,000, the repurchase and
retirement of $1.5 million in Company common stock, and a decrease in unrealized
gains  on  available-for-sale  securities  of  $71,000,  net  of  taxes.

Non-performing  assets  were  $394,000 at December 31, 2001 and $982,000 at June
30,  2002.

                                        8
<PAGE>

Comparison  of  Operating  Results  for the Three Months Ended June 30, 2002 and
June  30,  2001.

Net  Income.  Net  income  was  $1.2 million for the three months ended June 30,
2002  compared  to $953,000 for the three months ended June 30, 2001.  Return on
average assets increased from 0.97% for the three months ended June 30, 2001, to
1.14% for the same period in 2002.  Return on average equity also increased from
8.40%  for the three months ended June 30, 2001, to 9.58% for the same period in
2002.  Earnings  per  share increased from $0.15 per diluted share for the three
months  ended  June  30, 2001, to $0.17 per diluted share for the same period in
2002.  This  increase  was  primarily  a result of higher net interest income, a
lower provision for loan losses and higher non-interest income.  These increases
were  partially  offset  by  higher  non-interest  expenses.

Net  Interest  Income.  Net interest income increased $396,000 from $3.7 million
for the three months ended June 30, 2001, to $4.1 million for the same period in
2002.  Interest rate spread increased from 3.48% for the three months ended June
30,  2001,  to 4.25% for the same period in 2002.  Net interest margin increased
from  4.14%  for  the  three  months  ended June 30, 2001, to 4.53% for the same
period  in  2002.  The  ratio  of  average  interest-earning  assets  to average
interest-bearing  liabilities  decreased from 116.59% for the three months ended
June  30,  2001,  to  113.79%  for  the  same  period  in  2002.

Interest income decreased 18.06% to $5.9 million for the three months ended June
30,  2002,  from  $7.2  million  for the same period in 2001.  Interest on loans
decreased  from  $6.2  million for the three months ended June 30, 2001, to $5.3
million  for  the same period in 2002.  Average loans outstanding increased from
$282.7  million  for the three months ended June 30, 2001, to $289.7 million for
the  same  period in 2002.  The average yield decreased from 8.78% for the three
months ended June 30, 2001, to 7.34% for the same period in 2002, as a result of
declining  interest  rates.  Income  on  all  other  investments  consisting  of
mortgage  backed  securities,  other  investments,  Federal  Home  Loan Bank and
Federal  Reserve Bank stock, bank deposits and federal funds decreased from $1.0
million  for  the  three  months  ended  June 30, 2001, to $581,000 for the same
period  in 2002.  Average investments decreased from $77.0 million for the three
months  ended  June 30, 2001, to $74.3 million for the same period in 2002.  The
average  yield decreased from 5.21% for the three months ended June 30, 2001, to
3.13%  for  the  same  period  in  2002.

Interest expense decreased from $3.5 million for the three months ended June 30,
2001,  to  $1.8  million  for the same period in 2002.  Average interest-bearing
deposits increased from $307.5 million for the three months ended June 30, 2001,
to  $319.0  million  for the same period in 2002.  This increase was a result of
continuing  efforts  to  increase market share of deposits.  The average cost of
deposits decreased from 4.52% for the three months ended June 30, 2001, to 2.23%
for  the same period in 2002.  Average borrowings decreased from $1.0 million at
an average cost of 1.95% for the three months ended June 30, 2001 to $976,000 at
an  average  cost of 2.05% for the same period in 2002.  The total cost of funds
decreased  from 4.51% for the three months ended June 30, 2001, to 2.23% for the
same period in 2002.  Average interest-bearing liabilities increased from $308.6
million for the three months ended June 30, 2001, to $320.0 million for the same
period  in  2002.

Provision for Loan Losses.  Provision for loan losses are charges to earnings to
bring the total allowance for loan losses to a level considered by management as
adequate  to  provide for estimated loan losses based on management's evaluation
of  the  collectibility  of  the  loan  portfolio,  including  the nature of the
portfolio, credit concentrations, trends in historical loss experience, specific
impaired  loans and economic conditions.  Management also considers the level of
problem  assets, giving greater weight to the level of classified assets than to
the  level  of  nonperforming  assets because classified assets include not only
nonperforming  assets  but  also  performing  assets  that otherwise exhibit, in
management's  judgment,  potential  credit  weaknesses.

The  provision for loan losses decreased from $63,000 for the three months ended
June  30,  2001  to  $54,000 for the same period in 2002.  Management deemed the
allowance  for  loan  losses  adequate  at  June  30,  2002.

Non-interest  Income.  Non-interest  income  increased from $2.1 million for the
three  months  ended June 30, 2001, to $2.7 million for the same period in 2002.
In  the  mortgage  banking  segment,  net  gain  on sale of loans decreased from
$609,000  for  the  three  months  ended June 30, 2001, to $581,000 for the same
period  in  2002.  The  lower gain in 2002 was a result of decreased production.
Loan  servicing  fees decreased slightly from $62,000 for the three months ended
June  30, 2001, to $55,000 for the same period in 2002.  In the banking segment,
deposit  fees  and  other  operating incomes decreased from $1.0 million for the
three months ended June 30, 2001, to $921,000 for the same period in 2002.  This
decline  was  a  result  of the implementation of a new checking account program
with  a  third  party vendor.  These fees began in the third quarter of 2001 and
extend through the third quarter of 2003 with a reduction of the fee percentages
in  the  third quarter of 2002.  In the trust segment, trust fees increased from
$292,000  for  the  three  months  ended June 30, 2001, to $296,000 for the same
period in 2002.  The acquisition of Miller & Loughry contributed commissions and
related  income  during  the  three  months  June  30,  2002.

                                        9
<PAGE>

Non-interest  Expense.  Non-interest expense increased from $4.1 million for the
three  months  ended June 30, 2001, to $4.9 million for the same period in 2002.
Salaries  and employee benefits increased from $2.5 million for the three months
ended  June 30, 2001 to $3.0 million for the same period in 2002.  This increase
was  a  result  of  the purchase of Miller & Loughry, increased commissions, and
costs  of  medical insurance.  The increase in occupancy expense was primarily a
result  of  the opening of the new operations building and increases in the cost
of  utilities.  The  increases in other expenses were primarily due to increased
loan  and  deposit  activity.

Income  taxes.  The provision for income taxes was $676,000 for the three months
ended  June  30,  2002,  compared  to  $717,000  for  the  same  period in 2001.

Comparison  of Operating Results for the Six Months Ended June 30, 2002 and June
30,  2001.

Net  Income.  Net income was $2.2 million for the six months ended June 30, 2002
compared  to  $1.9  million  for  the six months ended June 30, 2001.  Return on
average  assets  increased from 0.99% for the six months ended June 30, 2001, to
1.09% for the same period in 2002.  Return on average equity also increased from
8.59%  for  the  six months ended June 30, 2001, to 9.29% for the same period in
2002.  Earnings  per  share  increased  from $0.30 per diluted share for the six
months  ended  June  30, 2001, to $0.34 per diluted share for the same period in
2002.  This  increase  was  primarily  a result of higher net interest income, a
lower provision for loan losses and higher non-interest income.  These increases
were  partially  offset  by  higher  non-interest  expenses.

Net  Interest  Income.  Net interest income increased $527,000 from $7.6 million
for  the  six months ended June 30, 2001, to $8.1 million for the same period in
2002.  Interest  rate  spread increased from 3.66% for the six months ended June
30,  2001,  to 4.08% for the same period in 2002.  Net interest margin increased
from  4.26% for the six months ended June 30, 2001, to 4.44% for the same period
in  2002.  The  ratio  of  average  interest-earning  assets  to  average
interest-bearing  liabilities  increased  from  116.37% for the six months ended
June  30,  2001,  to  118.75%  for  the  same  period  in  2002.

Interest  income decreased 19.73% to $11.8 million for the six months ended June
30,  2002,  from  $14.7  million for the same period in 2001.  Interest on loans
decreased  from  $12.7  million for the six months ended June 30, 2001, to $10.5
million  for  the same period in 2002.  Average loans outstanding increased from
$283.1 million for the six months ended June 30, 2001, to $289.0 million for the
same  period in 2002.  The average yield decreased from 9.03% for the six months
ended  June  30,  2001,  to  7.35%  for  the same period in 2002, as a result of
declining  interest  rates.  Income  on  all  other  investments  consisting  of
mortgage  backed  securities,  other  investments,  Federal  Home  Loan Bank and
Federal  Reserve Bank stock, bank deposits and federal funds decreased from $2.0
million  for  the  six  months ended June 30, 2001, to $1.3 million for the same
period  in  2002.  Average  investments increased from $72.4 million for the six
months  ended  June 30, 2001, to $78.5 million for the same period in 2002.  The
average  yield  decreased  from 5.59% for the six months ended June 30, 2001, to
3.27%  for  the  same  period  in  2002.

Interest  expense  decreased from $7.1 million for the six months ended June 30,
2001,  to  $3.7  million  for the same period in 2002.  Average interest-bearing
deposits  increased  from $304.2 million for the six months ended June 30, 2001,
to  $308.5  million  for  the same period in 2002.  The average cost of deposits
decreased  from  4.70%  for the six months ended June 30, 2001, to 2.41% for the
same  period  in  2002.  Average  borrowings  decreased  from $1.3 million at an
average  cost  of 2.99% for the six months ended June 30, 2001 to $982,000 at an
average  cost  of  2.26%  for  the same period in 2002.  The total cost of funds
decreased  from  4.67%  for the six months ended June 30, 2001, to 2.40% for the
same period in 2002.  Average interest-bearing liabilities increased from $305.5
million  for  the six months ended June 30, 2001, to $309.5 million for the same
period  in  2002.

Provision for Loan Losses.  Provision for loan losses are charges to earnings to
bring the total allowance for loan losses to a level considered by management as
adequate  to  provide for estimated loan losses based on management's evaluation
of  the  collectibility  of  the  loan  portfolio,  including  the nature of the
portfolio, credit concentrations, trends in historical loss experience, specific
impaired  loans and economic conditions.  Management also considers the level of
problem  assets, giving greater weight to the level of classified assets than to
the  level  of  nonperforming  assets because classified assets include not only
nonperforming  assets  but  also  performing  assets  that otherwise exhibit, in
management's  judgment,  potential  credit  weaknesses.

                                       10
<PAGE>

The  provision  for loan losses decreased from $166,000 for the six months ended
June  30,  2001  to $163,000 for the same period in 2002.  Management deemed the
allowance  for  loan  losses  adequate  at  June  30,  2002.

Non-interest  Income.  Non-interest  income  increased from $3.9 million for the
six months ended June 30, 2001, to $5.2 million for the same period in 2002.  In
the  mortgage  banking  segment,  net  gain on sale of loans increased from $1.0
million  for  the  six  months ended June 30, 2001, to $1.2 million for the same
period  in  2002.  The  higher gain in 2002 was a result of increased production
during  the first quarter.  Loan servicing fees decreased slightly from $137,000
for the six months ended June 30, 2001, to $124,000 for the same period in 2002.
In the banking segment, deposit fees and other operating incomes was constant at
$1.8  million  for  the  six  months ended June 30, 2001 and 2002.  In the trust
segment,  trust  fees  decreased from $585,000 for the six months ended June 30,
2001,  to  $552,000  for  the  same period in 2002.  The acquisition of Miller &
Loughry  contributed  commissions and related income during the six months ended
June 30, 2002.

Non-interest  Expense.  Non-interest expense increased from $8.0 million for the
six  months  ended  June  30, 2001, to $9.4 million for the same period in 2002.
Salaries  and  employee  benefits increased from $4.8 million for the six months
ended  June 30, 2001 to $5.8 million for the same period in 2002.  This increase
was  a  result  of  the purchase of Miller & Loughry, increased commissions, and
costs  of  medical insurance.  The increase in occupancy expense was primarily a
result  of  the opening of the new operations building and increases in the cost
of  utilities.  The  increases in other expenses were primarily due to increased
loan  and  deposit  activity.

Income  taxes.  The  provision  for  income  taxes  was $1.5 million for the six
months  ended  June  30,  2002,  compared to $1.4 million for the same period in
2001.

Liquidity  and  Capital  Resources

The Company's primary sources of funds are customer deposits, proceeds from loan
principal  and interest payments, sale of loans, maturing securities and Federal
Home  Loan  Bank  (FHLB) of Cincinnati advances.  While maturities and scheduled
amortization  of  loans  are  a  predictable  source of funds, deposit flows and
mortgage  prepayments  are  influenced  greatly by general interest rates, other
economic  conditions,  and  competition.  The  Company  and  the  Bank generally
maintain sufficient cash and short-term investments to meet short-term liquidity
needs.  At  June  30,  2002,  cash and cash equivalents totaled $54.0 million or
12.88%  of  total  assets,  and investment securities available-for-sale totaled
$33.5  million.  At  June  30,  2002, the Bank also maintained, but did not draw
upon,  a  line  of  credit  with  the  FHLB of Cincinnati in the amount of $10.0
million.

As  of  June  30,  2002,  the  Bank's  regulatory  capital  was in excess of all
applicable  regulatory requirements.  At June 30, 2002, under the regulations of
the  Federal  Reserve  Board, the Bank's actual leverage, Tier 1 risk-based, and
risked-based  capital  ratios  were  9.01%,  12.20%  and  13.43%,  respectively,
compared  to  requirements  of  3.0%,  4.0%  and  8.0%,  respectively.

At  June 30, 2002, the Bank had loan commitments of approximately $35.3 million.
In addition, at June 30, 2002, the unused portion of lines of credit extended by
the Bank was approximately $9.6 million for consumer loans and $20.8 million for
commercial  loans.  Standby  letters  of  credit  and  financial  guarantees are
conditional  commitments  issued  by  the Bank to guarantee the performance of a
customer  to  a  third  party.  Those guarantees are primarily issued to support
public  and  private  borrowing  arrangements,  including commercial paper, bond
financing,  and  similar  transactions.  Most  guarantees extend from one to two
years.  The credit risk involved in issuing letters of credit is essentially the
same  as  that  involved in extending loan facilities to customers.  At June 30,
2002,  the  Bank  had  $6.4  million  of  letters  of  credit  outstanding.

                                       11
<PAGE>

Impact  of  Inflation  and  Changing  Prices

The consolidated financial statements of the Company and notes thereto,
presented elsewhere herein, have been prepared in accordance with U.S.GAAP,
which require the measurement of financial condition and operating results in
terms of historical dollars without considering the change in relative
purchasing power of money over time due to inflation. The impact of inflation is
reflected in the increased cost of the Company's operations. Unlike most
industrial companies, nearly all the assets and liabilities of the Company are
financial. As a result, interest rates have a greater impact on the Company's
performance than do the effects of general levels of inflation. Interest rates
do not necessarily move in the same direction or to the same extent as the
prices of goods and services.

Item  3.  Quantitative  and  Qualitative  Disclosures  About  Market  Risk

As  a  financial  institution, the Company's primary component of market risk is
interest  rate  risk.  Ultimately,  fluctuations  in  interest rates will impact
liquidity,  the  level  of  income and expense recorded on most of the Company's
assets  and  liabilities,  and  the  market value of interest-earning assets and
interest-bearing liabilities.  The company is not subject to foreign exchange or
commodity  price  risk.  The  Company  does  not  own  any  trading  assets.

Interest rate risk is managed by management in accordance with policies approved
by  the  Bank's  Board  of Directors.  Management formulates strategies based on
appropriate  levels of interest rate risk.  In determining the appropriate level
of  interest  rate risk, management considers the impact on earnings and capital
of  the  current outlook on interest rates, potential changes in interest rates,
regional  economy, liquidity, business strategies and other factors.  Management
meets  regularly  to  review,  among other things, the sensitivity of assets and
liabilities  to  interest  rate changes, the book and market value of assets and
liabilities,  unrealized  gains  and  losses,  purchase  and  sales  activities,
commitments  to  originate  loans and the maturities of investments.  Management
uses  an  analysis  of  relationships  between  interest-earning  assets  and
interest-bearing  liabilities  to  manage  interest  rate  risk.

                                       12
<PAGE>

The  following table presents the Company's repricing gap at June 30, 2002.  The
table  indicates that at June 30, 2002 the Company was liability sensitive up to
six  months  and  had  a  negative cumulative GAP for the time periods up to and
including  one  to  three  year  time  horizon  This would indicate a decline in
earnings  in  a  rising rate environment.  However, management does not consider
NOW  accounts  and  savings  accounts  rate  sensitive  and if those amounts are
excluded  from the six-month time frame, the Company would be slightly liability
sensitive.

<TABLE>
<CAPTION>


                                                                         Six        After     After
                                                            Within      Months     One to     Three       Over
                                                             Six        To One      Three    to Five      Ten
                                                            Months       Year       Years     Years       Years     Total
                                                            ------       ----       -----     -----       -----     -----
                                                                              (in thousands)
Interest-earning  assets:

<S>                                                      <C>         <C>         <C>         <C>       <C>         <C>
   Loans receivable, net                                 $ 106,622   $  43,970   $  74,535   $60,086   $  11,208   $296,421
   Investment securities held-to-maturity                      300         238           -         -           -        538
   FHLB  & FRB stock                                         3,449           -           -         -           -      3,449
   Investment securities available-for-sale                 17,216       6,973       5,938     2,496         862     33,485
   Federal funds sold overnight and other
    interest-bearing deposits                               33,632           -           -         -           -     33,632
                                                         ----------  ----------  ----------  --------  ----------  ---------

     Total rate sensitive assets                         $ 161,219   $  51,181   $  80,473   $62,582   $  12,070   $367,525
                                                         ==========  ==========  ==========  ========  ==========  =========

Interest-bearing liabilities:

Deposits:
   NOW accounts                                          $  62,683   $       -   $       -   $     -   $       -   $ 62,683
   Savings accounts                                         15,922           -           -         -           -     15,922
   Money market accounts                                    90,196           -           -         -           -     90,196
   Certificates of deposit                                  71,011      42,388      29,104     7,243           -    149,746
Borrowings                                                      26          26         104       104         711        971
                                                         ----------  ----------  ----------  --------  ----------  ---------
     Total rate sensitive liabilities                    $ 239,838   $  42,414   $  29,208   $ 7,347   $     711   $319,518
                                                         ==========  ==========  ==========  ========  ==========  =========

Excess (deficiency) of interest sensitive
 assets over interest sensitive liabilities               ($78,619)  $   8,767   $  51,265   $55,235   $  11,359   $ 48,007
Cumulative excess (deficiency) of
 interest sensitive assets                                ($78,619)   ($69,852)   ($18,587)  $36,648   $  48,007   $ 48,007
Cumulative ratio of interest-earning assets
 to interest-bearing liabilities                             67.22%      75.25%      94.03%   111.50%     115.02%    115.02%
Interest sensitivity gap to total rate sensitive assets    (21.39)%       2.39%      13.95%    15.03%       3.09%     13.06%
Ratio of interest-earning assets to
 interest -bearing liabilities                               67.22%     120.67%     275.52%   851.80%   1,697.61%    115.02%
Ratio of cumulative gap to total rate sensitive assets     (21.39)%    (19.01)%     (5.06)%     9.97%      13.06%     13.06%
</TABLE>


                                       13
<PAGE>

Part  II.  Other  Information

Item  1.  Legal  Proceedings

     Not  applicable

Item  2.  Changes  in  Securities  and  use  of  Proceeds

     Not  applicable

Item  3.  Defaults  Upon  Senior  Securities

     Not  applicable

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

     On April 25, 2002 at the annual meeting of shareholders of Cavalry Bancorp,
Inc.  the  following  Directors  were  elected  for  three-year  terms:

     Name                         For               Withhold
Terry  G.  Haynes                 5,700,818          19,413
William  H.  Huddleston  IV       5,720,231          26,527
Gary  Brown                       5,701,604          18,627

Item  5.  Other  Information

     None

Item  6.  Exhibits,  Financial  Statement  Schedules,  and  Reports  on Form 8-K

     (a)  Exhibits

      3.1      Charter  of  the  Registrant*
      3.2      Bylaws  of  the  Registrant*
     10.1      Employment  Agreement  with  Ed  C.  Loughry,  Jr.**
     10.2      Employment  Agreement  with  Ronald  F.  Knight  **
     10.3      Severance  Agreement  with  Hillard  C.  Gardner**
     10.4      Severance  Agreement  with  Ira  B.  Lewis  **
     10.5      Severance  Agreement  with  R.  Dale  Floyd  **
     10.6      Severance  Agreement  with  M.  Glenn  Layne  **
     10.7      Severance  Agreement  with  Joy  B.  Jobe**
     10.8      Severance  Agreement  with  William  S.  Jones**
     10.9      Severance  Agreement  with  David  W.  Hopper**
     10.10     Cavalry  Banking  Key  Personnel  Severance  Compensation  Plan**
     10.11     Cavalry  Banking  Employee  Stock  Ownership  Plan**
     10.12     Management  Recognition  Plan  with William H. Huddleston III ***
     10.13     Management  Recognition  Plan  with  Gary  Brown  ***
     10.14     Management  Recognition  Plan  with  Ed  Elam  ***
     10.15     Management  Recognition  Plan  with  Frank  E.  Crosslin, Jr. ***
     10.16     Management  Recognition  Plan  with  Tim  J.  Durham  ***
     10.17     Management  Recognition  Plan  with  James  C.  Cope  ***
     10.18     Management  Recognition  Plan  with  Terry  G.  Haynes  ***
     10.19     Management  Recognition  Plan  with  Ed  C.  Loughry,  Jr.  ***
     10.20     Management  Recognition  Plan  with  Ronald  F.  Knight  ***
     10.21     Management  Recognition  Plan  with  William  S.  Jones  ***
     10.22     Management  Recognition  Plan  with  Hillard  C.  Gardner  ***
     10.23     Management  Recognition  Plan  with  R.  Dale  Floyd  ***
     10.24     Management  Recognition  Plan  with  David  W.  Hopper  ***
     10.25     Management  Recognition  Plan  with  Joe  W.  Townsend  ***
     10.26     Management  Recognition  Plan  with  M.  Glenn  Layne  ***
     10.27     Management  Recognition  Plan  with  Joy  B.  Jobe  ***
     10.28     Management  Recognition  Plan  with  Ira  B.  Lewis,  Jr.  ***
     10.29     Management  Recognition  Plan  with  Elizabeth  L.  Green  ***
     10.30     Management  Recognition  Plan  with  James  O.  Sweeney,  III ***
     10.31     Director  Supplemental  Retirement  Plan
     10.32     Executive  Supplemental  Retirement  Plan
     13        Annual  Report  to  Stockholders****
     21        Subsidiaries  of  the  Registrant****
     99.1     CEO  Certification  Pursuant To 18U.S.C. section 1350, As Adopted
              Pursuant  To  Section  906 Of  The  Sarbanes  -Oxley  Act Of 2002
     99.2     CFO Certification  Pursuant To 18U.S.C. section 1350, As Adopted
              Pursuant To Section 906 Of The Sarbanes  -Oxley  Act  Of  2002

*     Incorporated  herein  by  reference  to  the  Registrant's  Registration
      Statement  on  Form  S-1,  as  amended  (333-40057).
**    Incorporated  herein  by  reference  to the Registrant's Annual Report on
      Form  10-K  for  the  year  ended December 31, 1997, as filed with the
      Securities  and  Exchange  Commission  on  March  30,  1998.

***   Incorporated  herein  by  reference  to  the Registrant's Annual Meeting
      Proxy Statement dated March 15, 1999, as filed with the Securities and
      Exchange  Commission  on  March  15,  1999.
****  Incorporated  herein  by reference to the Registrant's Annual Report on
      Form  10-K  for  the  year  ended December 31, 2001, as filed with the
      Securities  and  Exchange  Commission  on  March  27,  2002.

     (b)  Reports  on  Form  8-K

     No  Reports  on Form 8-K were filed during the quarter ended June 30, 2002.



..
                                       14
<PAGE>

Pursuant to the requirements of section 13 or 15(d) of the Securities Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned, thereunto duly authorized.


                                               CAVALRY BANCORP, INC.

Date: August 12, 2002                         by: /s/Ronald F. Knight
                                              -----------------------
                                              Ronald F. Knight
                                              President and
                                              Chief Operating Officer


Date: August 12, 2002                         by: /s/ Hillard C. Gardner
                                              ----------------------
                                              Hillard C. Gardner
                                              Senior Vice President and Chief
                                              Financial Officer
                                              (Principal Financial and
                                               Accounting Officer)

                                       15
<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


<PAGE>
                            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  the  Quarterly  Report  of  Cavalry  Bancorp,  Inc.,  (the
"Company")  on  Form 10-Q for the period ending June 30, 2002, as filed with the
Securities  and  Exchange Commission on the date hereof (the "Report"), I, Ed C.
Loughry,  Jr., Chairman of the Board of Directors and Chief Executive Officer of
the  Company,  certify,  pursuant  to 18 U.S.C. ss. 1350, as adopted pursuant to
ss.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 the Report fairly presents, in all material
        respects,  the  financial  condition  and  result of operations of the
        Company.


Date:  August  12,  2002     by:     /s/  Ed  C.  Loughry,  Jr.
                                     --------------------------
                                     Ed  C.  Loughry,  Jr.
                                     Chairman of the Board of Directors
                                     and  Chief  Executive  Officer

<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



<PAGE>
                            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  the  Quarterly  Report  of  Cavalry  Bancorp,  Inc.,  (the
"Company")  on  Form 10-Q for the period ending June 30, 2002, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Hillard
C.  Gardner,  Senior  Vice President and Chief Financial Officer of the Company,
certify,  pursuant  to  18 U.S.C. ss. 1350, as adopted pursuant to ss.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 the Report fairly presents, in all material
        respects,  the  financial  condition  and  result of operations of the
        Company.


Date:  August  12,  2002     by:     /s/  Hillard  C.  Gardner
                                     -------------------------
                                     Hillard  C.  Gardner
                                     Senior  Vice  President  and  Chief
                                     Financial  Officer
                                    (Principal  Financial  and
                                     Accounting  Officer)


<PAGE>