8-K

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 22, 2005

UNITED SECURITY BANCSHARES, INC.
(Exact Name of Registrant as Specified in its Charter)
Delaware	0-14549	63-0843362
(State of Incorporation)	(Commission File Number)	(IRS Employer Identification Number)

131 West Front Street, P.O. Box 249, Thomasville, Alabama 36784
(Address of principal executive offices, including zip code)

(334) 636-5424
(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02          Results of Operations and Financial Condition.

          On April 22, 2005, United Security Bancshares, Inc. issued a press release announcing financial results for the quarter ended March 31, 2005.  The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission. 

Item 9.01          Financial Statements and Exhibits.

(c)          Exhibits.

Exhibit Number	Exhibit
99.1	Press Release dated April 22, 2005

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.

		UNITED SECURITY BANCSHARES, INC.
	By:	/s/ LARRY M. SELLERS
		Larry M. Sellers
		Vice President, Secretary and Treasurer
Dated: April 22, 2005

INDEX TO EXHIBITS

Exhibit Number	Exhibit
99.1	Press Release dated April 22, 2005*
*This exhibit is furnished to, but not filed with, the Commission by inclusion herein.

EX-99.1

Exhibit 99.1

United Security Bancshares, Inc. Announces Quarterly Earnings

          THOMASVILLE, Alabama, April 22 /PRNewswire-FirstCall/ -- United Security Bancshares, Inc. (Nasdaq: USBI) today reported net income for the quarter ended March 31, 2005, of $3,302,000, compared to $3,429,000 for the same period of 2004, a 3.7% decrease.  On a diluted per share basis, net income for the first quarter of 2005 was $0.51, compared to $0.53 for the same period of 2004, a 3.8% decrease.

          The small decrease in net income is the result of a $142,000 decrease in insufficient funds and overdraft charges on deposit accounts, and a $135,000 increase in provision for loan losses which was off-set somewhat by a $238,000 increase in net interest income.  Net interest margin increased from 7.26% at the end of the first quarter of 2004 to 7.32% at March 31, 2005.

          Performance ratios remain excellent with return on average assets of 2.25% and return on average equity of 16.15%.

          At March 31, 2005, total assets amounted to $602,394,000, a 4.8% increase over March 31, 2004.  Total deposits increased 7.4% to $414,856,000.  Loans, net of unearned discount, increased 6.2% to $406,426,000, and shareholders’ equity totaled $82,566,000, which represented a book value of $12.84 per share.  Regular dividends were increased 11% to $0.20 per share in the first quarter, and a special one-time dividend of $0.15 per share was also declared.

UNITED SECURITY BANCSHARES, INC.
(Unaudited Financial Highlights)
(In thousands, except per share amounts and percentages)

	Three Months Ended March 31,
		2005		2004
Earnings Summary:
Net Interest Income	$	9,808	$	9,570
Provision for Credit Losses		796		661
Non-Interest Income		1,154		1,315
Non-Interest Expense		5,356		5,219
Income Before Income Taxes		4,810		5,005
Income Tax Provision		1,508		1,576
Net Income	$	3,302	$	3,429

	Three Months Ended March 31,
		2005			2004
Earnings Per Share:
Basic	$	0.51		$	0.53
Diluted		0.51			0.53
Dividends Per Share		0.35			0.18
Balance Sheet Summary:
Total Assets	$	602,394		$	574,730
Total Earning Assets		550,230			527,106
Loans, Net of Unearned Discount		406,426			382,659
Allowance for Credit Losses		7,081			6,915
Total Deposits		414,856			386,147
Common Shareholders’ Equity		82,566			76,383
Book Value Per Share		12.84			11.88
Average Balance Sheet Data:
Total Assets	$	595,467		$	569,585
Total Earning Assets		543,214			530,123
Loans, Net of Unearned Discount		405,322			386,325
Total Deposits		409,236			387,643
Common Shareholders’ Equity		82,922			74,840
Performance Ratios:
Return on Average Assets		2.25	%		2.41	%
Return on Common Equity		16.15	%		18.38	%
Average Shares Outstanding:
Basic		6,429,428			6,431,620
Diluted		6,429,428			6,431,620

SOURCE  United Security Bancshares, Inc.
          -0-                                        04/22/2005
          /CONTACT:  Larry Sellers or Robert Steen of United Security Bancshares,
Inc., +1-334-636-5424/
_