EXHIBIT 32.2

                                  CERTIFICATION
                         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
June 30, 2003, as filed with the Securities and Exchange  Commission on the date
hereof (the "Report"), the undersigned,  Greg Oliver, Vice President and Cashier
(Principal Financial and Accounting Officer) of the Company, hereby certify 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 August 14, 2003.

                                    /s/  Greg Oliver
                                    -----------------------------------
                                    Greg Oliver
                                    Vice President and Cashier