<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF VOLUNTEER BANCORP, INC. FOR THE THREE MONTH PERIOD ENDED
MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL 
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       2,482,964
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,344,776
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,546,510
<INVESTMENTS-CARRYING>                       3,079,420
<INVESTMENTS-MARKET>                         3,075,384
<LOANS>                                     50,160,776
<ALLOWANCE>                                    693,589
<TOTAL-ASSETS>                              83,613,609
<DEPOSITS>                                  73,972,532
<SHORT-TERM>                                 1,790,341
<LIABILITIES-OTHER>                            872,372
<LONG-TERM>                                  3,045,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,390
<OTHER-SE>                                   3,927,974
<TOTAL-LIABILITIES-AND-EQUITY>              83,613,609
<INTEREST-LOAN>                              1,188,013
<INTEREST-INVEST>                              299,422
<INTEREST-OTHER>                                99,099
<INTEREST-TOTAL>                             1,586,534
<INTEREST-DEPOSIT>                             832,285
<INTEREST-EXPENSE>                             916,978
<INTEREST-INCOME-NET>                          669,556
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                              12,035
<EXPENSE-OTHER>                                570,462
<INCOME-PRETAX>                                103,556
<INCOME-PRE-EXTRAORDINARY>                     103,556
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    60,009
<EPS-PRIMARY>                                     0.11
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.38
<LOANS-NON>                                     25,767
<LOANS-PAST>                                   179,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               660,336
<CHARGE-OFFS>                                   29,691
<RECOVERIES>                                     2,944
<ALLOWANCE-CLOSE>                              693,589
<ALLOWANCE-DOMESTIC>                           693,589
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0