EXHIBIT 32.1
      DISCLOSURE PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the accompanying Annual Report on Form 10-K of United
Bancorp, Inc. (the "Company") for the year ended December 31, 2003 (the
"Report"), each of the undersigned, hereby certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, to the best of our respective knowledge and belief, that:

(1)  The Report fully complies with the requirements of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.

 /S/ David S. Hickman                                        March 9, 2004
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 David S. Hickman                                                 Date
 Chairman and Chief Executive Officer
 (Principal Executive Officer)

 /S/ Dale L. Chadderdon                                      March 9, 2004
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 Dale L. Chadderdon                                               Date
 Senior Vice President, Secretary & Treasurer
 (Principal Financial Officer)

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