EXHIBIT 32.1
                                  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
September 30, 2003, as filed with the Securities and Exchange  Commission on the
date hereof (the "Report"),  the undersigned,  Reed D. Matney,  President 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 November 14, 2003.



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