<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF VOLUNTEER BANCORP, INC. FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       2,087,064
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,661,525
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,593,525
<INVESTMENTS-CARRYING>                       2,068,241
<INVESTMENTS-MARKET>                         2,080,163
<LOANS>                                     58,213,792
<ALLOWANCE>                                    761,721
<TOTAL-ASSETS>                              93,835,567
<DEPOSITS>                                  83,890,533
<SHORT-TERM>                                 1,615,953
<LIABILITIES-OTHER>                          1,027,108
<LONG-TERM>                                  3,045,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,390
<OTHER-SE>                                   4,251,583
<TOTAL-LIABILITIES-AND-EQUITY>              93,835,567
<INTEREST-LOAN>                              3,926,963
<INTEREST-INVEST>                              967,738
<INTEREST-OTHER>                               245,969
<INTEREST-TOTAL>                             5,140,670
<INTEREST-DEPOSIT>                           2,684,733
<INTEREST-EXPENSE>                           2,941,555
<INTEREST-INCOME-NET>                        2,199,115
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                              22,672
<EXPENSE-OTHER>                              1,758,462
<INCOME-PRETAX>                                485,907
<INCOME-PRE-EXTRAORDINARY>                     309,312
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   309,312
<EPS-PRIMARY>                                     0.57
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.53
<LOANS-NON>                                     20,095
<LOANS-PAST>                                   326,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               660,336
<CHARGE-OFFS>                                   81,971
<RECOVERIES>                                     3,356
<ALLOWANCE-CLOSE>                              761,721
<ALLOWANCE-DOMESTIC>                           761,721
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0