EXHIBIT 99.1
                      REPORT OF PRIOR INDEPENDENT AUDITORS

                               [CROWE CHIZEK LOGO]

Shareholders and Board of Directors
United Bancorp, Inc.
Tecumseh, Michigan

We have audited the accompanying consolidated balance sheet of United Bancorp,
Inc. and Subsidiaries as of December 31, 2001, and the related consolidated
statements of income, changes in shareholders' equity and cash flows for each of
the two years in the period ended December 31, 2001. These financial statements
are the responsibility of the Company's management. Our responsibility is to
express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the United States of America. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a
test basis, evidence supporting the amounts and disclosures in the financial
statements. An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall
financial statement presentation. We believe that our audits provide a
reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the financial position of United Bancorp, Inc.
and Subsidiaries as of December 31, 2001, and the results of their operations
and their cash flows for each of the two years in the period ended December 31,
2001, in conformity with accounting principles generally accepted in the United
States of America.

                          /s/ CROWE, CHIZEK AND COMPANY LLP
                          ---------------------------------
                          Crowe, Chizek and Company LLP

Grand Rapids, Michigan
January 16, 2002

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