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):  October 20, 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 October 20, 2005, United Security Bancshares, Inc. issued a press release announcing financial results for the quarter ended September 30, 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 October 20, 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: October 20, 2005

INDEX TO EXHIBITS

Exhibit Number	Exhibit
99.1	Press Release dated October 20, 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 and Nine Month Earnings

          THOMASVILLE, Ala., Oct. 20 /PRNewswire-FirstCall/ -- United Security Bancshares, Inc. (Nasdaq: USBI) today reported net income for the quarter ended September 30, 2005, of $3,721,000 compared to $2,961,000 for the same period of 2004, a 25.7% increase.  On a diluted per share basis, net income for the third quarter of 2005 was $0.58, compared to $0.46 for 2004, a 26.1% increase.  On a year-to-date basis, net income increased from $9,532,000 in 2004 to $10,600,000, an 11.2% increase.  On a diluted per share basis, net income for the nine months ended September 30, 2005, was $1.65 per share, compared to $1.48 per share, a 10.3% increase.

          The primary factors for the increase in net income over the same period last year were increased net interest income as a result of an increase in the yield on loans and securities and lower provision for loan losses.

          Performance ratios continue to show improvement with return on average assets at 2.35% and return on average equity increasing to 16.79%.

          At September 30, 2005, total assets amounted to $622,567,000, an increase of 5.8% over September 30, 2004.  Total deposits showed an increase of $42,375,000, or 10.9%.  Loans, net of unearned discount, increased 6.4% to $428,813,000.  Shareholders’ equity totaled $86,585,000, which represents a book value of $13.47 per share.  Dividends for the third quarter increased to $0.20 per share.

	3 Months Ended September 30,				9 Months Ended September 30,
	2005		2004		2005		2004
Earnings Summary:
Net Interest Income	$	10,249	$	9,943	$	30,183	$	29,168
Provision for Credit Losses		947		1,200		2,452		2,650
Non-Interest Income		1,496		1,498		3,992		4,203
Non-Interest Expense		5,710		5,721		17,113		16,601
Income Before Income Taxes		5,088		4,520		14,610		14,120
Income Tax Provision		1,367		1,559		4,010		4,588
Net Income	$	3,721	$	2,961	$	10,600	$	9,532
Earnings Per Share:
Basic	$	0.58	$	0.46	$	1.65	$	1.48
Diluted	$	0.58	$	0.46	$	1.65	$	1.48
Dividends Per Share	$	0.20	$	0.18	$	0.75	$	0.54

	September 30,
	2005			2004
Balance Sheet Summary:
Total Assets	$	622,567		$	588,516
Total Earnings Assets		565,220			538,221
Loan and Lease Receivables, Net of Unearned Discount		428,813			402,934
Allowance for Credit Losses		7,371			6,932
Total Deposits		430,594			388,219
Common Shareholders’ Equity		86,585			79,749
Book Value Per Share	$	13.47		$	12.41
Average Balance Sheet Data:
Total Assets	$	602,429		$	577,703
Total Earnings Assets		548,369			529,114
Loan and Lease Receivables, Net of Unearned Discount		412,897			387,282
Total Deposits		413,283			388,808
Common Shareholders’ Equity		84,404			76,516
Performance Ratios:
Return on Average Assets		2.35	%		2.20	%
Return on Common Equity		16.79	%		16.64	%
Net Interest Margin		7.36	%		7.36	%
Average Shares Outstanding
Basic		6,428			6,431
Diluted		6,428			6,431

SOURCE  United Security Bancshares, Inc.
           -0-                                                10/20/2005
           /CONTACT:  Larry Sellers or Robert Steen of United Security Bancshares, Inc., +1-334-636-5424/
           (USBI)