Exhibit 99.2

                                  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,  Greg Oliver,  the Vice President and
Cashier 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/ Greg Oliver
                            ----------------------------------------------------
                                 Greg Oliver
                                 Vice President and Cashier