<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF VOLUNTEER BANCORP, INC. FOR THE SIX MONTHS ENDED JUNE
30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       1,865,301
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,689,407
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 13,512,445
<INVESTMENTS-CARRYING>                       1,863,987
<INVESTMENTS-MARKET>                         1,812,309
<LOANS>                                     28,312,762
<ALLOWANCE>                                    423,288
<TOTAL-ASSETS>                              51,143,143
<DEPOSITS>                                  44,341,220
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            733,693
<LONG-TERM>                                  3,450,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,790
<OTHER-SE>                                   2,613,440
<TOTAL-LIABILITIES-AND-EQUITY>              51,143,143
<INTEREST-LOAN>                              1,243,598
<INTEREST-INVEST>                              441,069
<INTEREST-OTHER>                               117,561
<INTEREST-TOTAL>                             1,802,228
<INTEREST-DEPOSIT>                             865,227
<INTEREST-EXPENSE>                           1,009,073
<INTEREST-INCOME-NET>                          793,155
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                               8,908
<EXPENSE-OTHER>                                864,339
<INCOME-PRETAX>                                (19,401)
<INCOME-PRE-EXTRAORDINARY>                     (13,307)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (13,307)
<EPS-PRIMARY>                                   (0.03)
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.28
<LOANS-NON>                                    103,000
<LOANS-PAST>                                   401,000
<LOANS-TROUBLED>                                76,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               401,066
<CHARGE-OFFS>                                   17,036
<RECOVERIES>                                     9,258
<ALLOWANCE-CLOSE>                              423,288
<ALLOWANCE-DOMESTIC>                           423,288
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0