UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934


                                    FORM 8-K


Date of Report (Date of earliest event reported)    July 16, 2003
                                                 -------------------------------


                             VOLUNTEER BANCORP, INC.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


    Tennessee                       000-22473                    62-1271025
--------------------------------------------------------------------------------
(State or other jurisdiction       (Commission                (I.R.S. Employer
   of incorporation)               File Number)              Identification No.)


210 E. Main Street, Rogersville, Tennessee                           37879
--------------------------------------------------------------------------------
(Address of principal executive offices)                          (Zip Code)


Registrant's telephone number, including area code    (423) 272-2200
                                                   -----------------------------


                                 Not Applicable
--------------------------------------------------------------------------------
(Former name,former address and former fiscal year,if changed since last report)



<PAGE>



                    INFORMATION TO BE INCLUDED IN THE REPORT

Item 4.  Changes in Registrant's Certifying Accountant.

     On July 16, 2003,  the Board of Directors of Volunteer  Bancorp,  Inc. (the
"Company")  dismissed  Welch  &  Associates,  Ltd.  ("Welch")  as the  Company's
independent  auditors and engaged Crowe Chizek and Company LLC ("Crowe  Chizek")
to serve as the Company's  independent  auditors for the year ended December 31,
2003. The  determination to replace Welch was recommended by the audit committee
and approved by the full Board of Directors of the Company.

     The  report of Welch  with  respect  to the  Company  for the  years  ended
December  31,  2001 and  December  31,  2002  contained  no  adverse  opinion or
disclaimer of opinion and was not qualified or modified as to uncertainty, audit
scope or  accounting  principles.  During the years ended  December 31, 2001 and
December  31,  2002 and  through the date  hereof,  there were no  disagreements
between  the  Company  and  Welch on any  matter  of  accounting  principles  or
practices, financial statement disclosure, or auditing scope or procedure, which
disagreements,  if not resolved to the satisfaction of Welch,  would have caused
Welch to make reference to the subject matter of the disagreements in its report
on the Company's financial statements for such year.

     During the last two completed fiscal years and through the date hereof, the
Company did not consult with Crowe Chizek  regarding  either the  application of
accounting principles to a specified transaction, the type of audit opinion that
might be rendered on the Company's  financial  statements or any matter that was
the subject of a disagreement or reportable event with Welch.

     Pursuant to Item  304(a)(3) of  Regulation  S-K, the Company has  requested
that Welch  furnish it with a letter  addressed to the  Securities  and Exchange
Commission stating whether or not Welch agrees with the above statements. A copy
of such letter, dated July 21, 2003, is filed as Exhibit 16 to this Form 8-K.


Item 7.  Financial Statements and Exhibits.


     (c)  Exhibits.

     The following exhibits are filed pursuant to Item 601 of Regulation S-K:

Exhibit
Number                     Description
-------                    -----------

 16       Letter from Welch & Associates,  Ltd. to the  Securities  and Exchange
          Commission dated July 21, 2003.





                                      - 1 -

<PAGE>



                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                                 VOLUNTEER BANCORP, INC.


Date: July 21, 2003

                                 By: /s/ Reed D. Matney
                                     -------------------------------------------
                                     Reed D. Matney
                                     President








                                      -2-
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{"company-data": {"conformed-name": "VOLUNTEER BANCORP INC", "cik": "0000947440", "assigned-sic": "6022", "irs-number": "621271025", "state-of-incorporation": "TN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-22473", "film-number": "03794786"}, "business-address": {"street1": "161 W MAIN ST", "street2": "PO BOX 126", "city": "SNEEDVILLE", "state": "TN", "zip": "37879", "phone": "4239219900"}, "mail-address": {"street1": "161 W MAIN ST", "street2": "PO BOX 126", "city": "SNEEDVILLE", "state": "TN", "zip": "37879"}}
UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

                                    FORM 8-K

Date of Report (Date of earliest event reported)    July 16, 2003
                                                 -------------------------------

                             VOLUNTEER BANCORP, INC.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

    Tennessee                       000-22473                    62-1271025
--------------------------------------------------------------------------------
(State or other jurisdiction       (Commission                (I.R.S. Employer
   of incorporation)               File Number)              Identification No.)

210 E. Main Street, Rogersville, Tennessee                           37879
--------------------------------------------------------------------------------
(Address of principal executive offices)                          (Zip Code)

Registrant's telephone number, including area code    (423) 272-2200
                                                   -----------------------------

                                 Not Applicable
--------------------------------------------------------------------------------
(Former name,former address and former fiscal year,if changed since last report)
INFORMATION TO BE INCLUDED IN THE REPORT

Item 4.  Changes in Registrant's Certifying Accountant.

     On July 16, 2003,  the Board of Directors of Volunteer  Bancorp,  Inc. (the
"Company")  dismissed  Welch  &  Associates,  Ltd.  ("Welch")  as the  Company's
independent  auditors and engaged Crowe Chizek and Company LLC ("Crowe  Chizek")
to serve as the Company's  independent  auditors for the year ended December 31,
2003. The  determination to replace Welch was recommended by the audit committee
and approved by the full Board of Directors of the Company.

     The  report of Welch  with  respect  to the  Company  for the  years  ended
December  31,  2001 and  December  31,  2002  contained  no  adverse  opinion or
disclaimer of opinion and was not qualified or modified as to uncertainty, audit
scope or  accounting  principles.  During the years ended  December 31, 2001 and
December  31,  2002 and  through the date  hereof,  there were no  disagreements
between  the  Company  and  Welch on any  matter  of  accounting  principles  or
practices, financial statement disclosure, or auditing scope or procedure, which
disagreements,  if not resolved to the satisfaction of Welch,  would have caused
Welch to make reference to the subject matter of the disagreements in its report
on the Company's financial statements for such year.

     During the last two completed fiscal years and through the date hereof, the
Company did not consult with Crowe Chizek  regarding  either the  application of
accounting principles to a specified transaction, the type of audit opinion that
might be rendered on the Company's  financial  statements or any matter that was
the subject of a disagreement or reportable event with Welch.

     Pursuant to Item  304(a)(3) of  Regulation  S-K, the Company has  requested
that Welch  furnish it with a letter  addressed to the  Securities  and Exchange
Commission stating whether or not Welch agrees with the above statements. A copy
of such letter, dated July 21, 2003, is filed as Exhibit 16 to this Form 8-K.

Item 7.  Financial Statements and Exhibits.

     (c)  Exhibits.

     The following exhibits are filed pursuant to Item 601 of Regulation S-K:

Exhibit
Number                     Description
-------                    -----------

 16       Letter from Welch & Associates,  Ltd. to the  Securities  and Exchange
          Commission dated July 21, 2003.

                                      - 1 -
SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                 VOLUNTEER BANCORP, INC.

Date: July 21, 2003

                                 By: /s/ Reed D. Matney
                                     -------------------------------------------
                                     Reed D. Matney
                                     President

                                      -2-