Exhibit 32.1

            CERTIFICATION OF PRESIDENT AND VICE PRESIDENT AND CASHIER
             PURSUANT TO 18 U.S.C. SECTION 1350 (AS ADOPTED PURSUANT
                TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002)


In  connection  with the  Quarterly  Report  of  Volunteer  Bancorp,  Inc.  (the
"Corporation")  on Form 10-Q for the period  ended  September  30, 2004 as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
the   undersigned,   the  President  and  Vice  President  and  Cashier  of  the
Corporation, certify, pursuant to 18 U.S.C. Section 1350, 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
     Corporation;

Date:  November  12, 2004                     By: /s/ Reed D. Matney
                                                 -------------------------------
                                                     Reed D. Matney
                                                     President


Date:  November  12, 2004                     By: /s/ Greg Oliver
                                                 -------------------------------
                                                     Greg Oliver
                                                     Vice President and Cashier