VOLUNTEER BANCORP INC
10QSB, EX-23.1, 2000-11-14
STATE COMMERCIAL BANKS
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                                                                    EXHIBIT 23.1


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


         As independent public accountants, we hereby consent to the use of our
report dated November 1, 2000 included in this Quarterly Report on Form 10-Q for
the Quarter Ended September 30, 2000.


                                                Welch & Associates

Nashville, Tennessee
November 13, 2000




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