Cheek only encountered in pub and church (9)
I believe the answer is:
insolence
'cheek' is the definition.
(I've seen this before)
'only encountered in pub and church' is the wordplay.
'only' becomes 'sole' ('sole' can be a synonym of 'only').
'encountered in' is an insertion indicator.
'pub' becomes 'inn' (I've seen this before).
'and' says to put letters next to each other.
'church' becomes 'ce' (abbreviation for Church of England).
'sole' placed inside 'inn' is 'insolen'.
'insolen'+'ce'='INSOLENCE'
(Other definitions for insolence that I've seen before include "Lip; cheek" , "Rudeness, disrespect" , "Impertinence, impudence" , "Cheek, irreverence" , "Rude disrespect" .)