Exhibit 99.1

                                  CERTIFICATION

                       Pursuant to 18 U.S.C. Section 1350,
                             As Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002


     Pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to Section 906 of
the  Sarbanes-Oxley  Act of 2002, and in connection with the quarterly report on
Form 10-QSB of Volunteer  Bancorp,  Inc. (the  "Company")  for the quarter ended
March 31, 2003, as filed with the Securities and Exchange Commission on the date
hereof (the "Report"),  the  undersigned,  Reed D. Matney,  the President of the
Company,   hereby  certifies  that  (1)  the  Report  fully  complies  with  the
requirements  of Section 13(a) or 15(d) of the Securities  Exchange Act of 1934,
and (2) the information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company.

     This Certification is signed on May 12, 2003.





                              /s/ Reed D. Matney
                              -------------------------------------------------
                                  Reed D. Matney
                                  President