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): April 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 April 20, 2004

Item 9.       Regulation FD

              On April 20, 2004, Greene County Bancshares,  Inc. (the "Company")
announced its financial  results for the first quarter ended March 31, 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 April 20, 2004, the Company announced its financial results for
the first  quarter  ended March 31, 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:  April 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 April 20, 2004.