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
September 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 November 14, 2003.


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