<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF VOLUNTEER BANCORP, INC. FOR THE THREE MONTHS ENDED MARCH
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       2,323,277
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,120,172
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 26,641,584
<INVESTMENTS-CARRYING>                       1,358,594
<INVESTMENTS-MARKET>                         1,359,551
<LOANS>                                     61,656,282
<ALLOWANCE>                                    840,974
<TOTAL-ASSETS>                              99,706,001
<DEPOSITS>                                  90,029,494
<SHORT-TERM>                                 1,655,888
<LIABILITIES-OTHER>                            928,554
<LONG-TERM>                                  2,790,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,390
<OTHER-SE>                                   4,296,675
<TOTAL-LIABILITIES-AND-EQUITY>              99,706,001
<INTEREST-LOAN>                              1,418,762
<INTEREST-INVEST>                              406,122
<INTEREST-OTHER>                                40,175
<INTEREST-TOTAL>                             1,865,059
<INTEREST-DEPOSIT>                             966,118
<INTEREST-EXPENSE>                           1,038,091
<INTEREST-INCOME-NET>                          826,968
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                              28,624
<EXPENSE-OTHER>                                671,479
<INCOME-PRETAX>                                207,531
<INCOME-PRE-EXTRAORDINARY>                     141,016
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   141,016
<EPS-PRIMARY>                                     0.26
<EPS-DILUTED>                                     0.26
<YIELD-ACTUAL>                                    8.12
<LOANS-NON>                                     15,661
<LOANS-PAST>                                   433,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               810,563
<CHARGE-OFFS>                                   30,216
<RECOVERIES>                                       627
<ALLOWANCE-CLOSE>                              840,974
<ALLOWANCE-DOMESTIC>                           840,974
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0