UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                        --------------------------------


                                    FORM 8-K

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




         Date of Report (Date of earliest event reported): July 20, 2004



                         GREENE COUNTY BANCSHARES, INC.
                         ------------------------------
             (Exact name of Registrant as specified in its charter)


         Tennessee                  0-14289                      62-1222567
         ---------                  -------                      ----------
(State or Other Jurisdiction      (Commission                 (I.R.S. Employer
      of Incorporation)           File Number)               Identification No.)


            100 North Main Street, Greeneville, Tennessee 37743-4992
            --------------------------------------------------------
                    (Address of principal executive offices)


                                 (423) 639-5111
                                 --------------
               Registrant's telephone number, including area code


                                 Not Applicable
                                 --------------
          (Former Name or former address, if changed since last report)




Item 7.    Financial Statements and Exhibits

           (c)   Exhibits.

                 The following exhibit is furnished pursuant to Item 9 and Item
                 12.

                 99.1        Press Release dated July 20, 2004.

Item 9.    Regulation FD

           On July 20, 2004, Greene County Bancshares, Inc. (the "Company")
announced its financial results for the second quarter and six months ended June
30, 2004. The full text of the press release is set forth in Exhibit 99.1
hereto. The information in this report, including the exhibit hereto, is being
furnished pursuant to Item 9, "Regulation FD," and shall not be deemed "filed"
for purposes of Section 18 of the Securities Exchange Act of 1934, as amended,
and is not incorporated by reference into any filing of the Company, whether
made before or after the date hereof, regardless of any general incorporation
language in such filing.


Item 12.   Results of Operations and Financial Condition

           On July 20, 2004, the Company announced its financial results for the
second quarter and six months ended June 30, 2004. The full text of the press
release is set forth in Exhibit 99.1 hereto. The information in this report,
including the exhibit hereto, is being furnished pursuant to Item 12, "Results
of Operations and Financial Condition," and shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and
is not incorporated by reference into any filing of the Company, whether made
before or after the date hereof, regardless of any general incorporation
language in such filing.








                                   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 hereunto duly authorized.


                                      GREENE COUNTY BANCSHARES, INC.


Date:  July 20, 2004                  By: /s/   R. Stan Puckett
                                          --------------------------------------
                                                R. Stan Puckett
                                                Chairman of the Board and
                                                Chief Executive Officer
                                                (Duly Authorized Representative)






                                  EXHIBIT INDEX

Exhibit
Number                   Description of Exhibit(s)
-------                  -------------------------

 99.1                    Copy of press release issued by the Company on July 20,
                         2004.