SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
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                                    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 18, 2003
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                             United Bankshares, Inc.
                             -----------------------
             (Exact name of registrant as specified in its charter)


           West Virginia               No. 0-13322               55-0641179
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(State or other jurisdiction of  (Commission File Number)     (I.R.S. Employer
incorporation or organization)                              Identification No.)


                                300 United Center
                            500 Virginia Street, East
                         Charleston, West Virginia 25301
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                    (Address of Principal Executive Offices)


                                 (304) 424-8800
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              (Registrant's telephone number, including area code)


                                 Not Applicable
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             (Former name or address, if changed since last report)



Item 7.  Financial Statements and Exhibits
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    (c)      Exhibits

             99.1     Press Release, dated July 18, 2003, issued by United
                      Bankshares, Inc.

             99.2     Unaudited Supplemental Financial Information


Item 9.  Regulation FD Disclosure
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         On July 18, 2003 United Bankshares, Inc. ("United") announced its
earnings for the second quarter and first half of 2003. A copy of the press
release is attached as Exhibit 99.1 to this report. Additionally, United
provided supplemental financial information for analysts and other interested
investors which is attached as Exhibit 99.2 to this report.

         This information is being provided pursuant to Item 12, Results of
Operations and Financial Condition, in accordance with the guidance provided in
SEC Release Nos. 33-8216 and 34-47583.



                                   SIGNATURES
                                   ----------

         Pursuant to the requirements of the Securities and Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                       UNITED BANKSHARES, INC.


Date:   July 18, 2003                  By:  /s/ Steven E. Wilson
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                                       Steven E. Wilson, Executive Vice
                                       President, Treasurer, Secretary and Chief
                                       Financial Officer