<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF VOLUNTEER BANCORP FOR THE THREE MONTHS ENDED MARCH 31,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                       1,934,984
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,115,308
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 12,812,781
<INVESTMENTS-CARRYING>                       2,318,857
<INVESTMENTS-MARKET>                         2,275,951
<LOANS>                                     24,772,966
<ALLOWANCE>                                    408,853
<TOTAL-ASSETS>                              48,513,294
<DEPOSITS>                                  42,022,507
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            468,529
<LONG-TERM>                                  3,450,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,529
<OTHER-SE>                                   2,567,729
<TOTAL-LIABILITIES-AND-EQUITY>              48,513,294
<INTEREST-LOAN>                                584,973
<INTEREST-INVEST>                              189,706
<INTEREST-OTHER>                                64,973
<INTEREST-TOTAL>                               839,652
<INTEREST-DEPOSIT>                             400,386
<INTEREST-EXPENSE>                             472,285
<INTEREST-INCOME-NET>                          367,367
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                               8,908
<EXPENSE-OTHER>                                451,556
<INCOME-PRETAX>                                (60,442)
<INCOME-PRE-EXTRAORDINARY>                     (38,464)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (38,464)
<EPS-PRIMARY>                                    (0.09)
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.24
<LOANS-NON>                                     76,000
<LOANS-PAST>                                   119,000
<LOANS-TROUBLED>                                76,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               401,066
<CHARGE-OFFS>                                   13,055
<RECOVERIES>                                     5,842
<ALLOWANCE-CLOSE>                              408,853
<ALLOWANCE-DOMESTIC>                           408,853
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0