1 EXHIBIT 10.1 Consent of Welch & Associates CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS We hereby consent to the inclusion in this Registration Statement on Form SB-1 of our report with respect to the consolidated financial statements of Volunteer Bancorp, Inc. and Subsidiary included in the Registration Statement. We also consent to the reference to our firm under the caption "Experts." Welch & Associates, Ltd. Nashville, Tennessee May 20, 1997