<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, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       2,332,207
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,921,513
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,540,124
<INVESTMENTS-CARRYING>                       3,073,785
<INVESTMENTS-MARKET>                         3,075,455
<LOANS>                                     55,390,639
<ALLOWANCE>                                    737,027
<TOTAL-ASSETS>                              87,459,955
<DEPOSITS>                                  77,780,787
<SHORT-TERM>                                 1,733,089
<LIABILITIES-OTHER>                            873,017
<LONG-TERM>                                  3,045,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,390
<OTHER-SE>                                   4,022,672
<TOTAL-LIABILITIES-AND-EQUITY>              87,459,955
<INTEREST-LOAN>                              2,509,403
<INTEREST-INVEST>                              628,669
<INTEREST-OTHER>                               171,888
<INTEREST-TOTAL>                             3,309,960
<INTEREST-DEPOSIT>                           1,730,001
<INTEREST-EXPENSE>                           1,899,665
<INTEREST-INCOME-NET>                        1,410,295
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                              15,173
<EXPENSE-OTHER>                              1,171,290
<INCOME-PRETAX>                                257,938
<INCOME-PRE-EXTRAORDINARY>                     257,398
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   161,264
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.46
<LOANS-NON>                                     20,095
<LOANS-PAST>                                   253,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               660,336
<CHARGE-OFFS>                                   46,287
<RECOVERIES>                                     2,978
<ALLOWANCE-CLOSE>                              737,027
<ALLOWANCE-DOMESTIC>                           737,027
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0