EXHIBIT 32.1

      DISCLOSURE PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Pursuant to section 906 of the Sarbanes-Oxley Act of 2002, each of the
undersigned officers of United Bancorp, Inc. does hereby certify, to such
officer's knowledge, that the Quarterly Report on Form 10-Q for the quarter
ended September 30, 2003 (the "Form 10-Q") of the Company fully complies with
the requirements of section 13(a) or 15(d) of the Securities Exchange Act of
1934 and information contained in the Form 10-Q fairly presents, in all material
respects, the financial condition and results of operations of the Company.



/S/ David S. Hickman                                       November 12, 2003
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David S. Hickman                                                 Date
Chairman and Chief Executive Officer


/S/ Dale L. Chadderdon                                     November 12, 2003
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Dale L. Chadderdon                                               Date
Senior Vice President, Secretary & Treasurer


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