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


                                 April 20, 2004
                                 --------------
               (Date of Report (Date of Earliest Event Reported))


                              UNITED BANCORP, INC.
                              -------------------
             (Exact name of registrant as specified in its charter)


            MICHIGAN                   0-16640            38-2606280
            --------                   -------            ----------
  (State or other jurisdiction       Commission         (I.R.S. Employer
of incorporation or organization)    File Number       Identification No.)



                  205 E. CHICAGO BOULEVARD, TECUMSEH, MI 49286
                  --------------------------------------------
                    (Address of principal executive offices)


                                 (517) 423-8373
                                 --------------
               (Registrant's telephone number including area code)


                                       N/A
                                       --
              (Former name, former address and former fiscal year,
                         if changed since last report)



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ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

         (c)      EXHIBITS
           99.1   Press Release dated April 20, 2004

ITEM 9.  REGULATION FD DISCLOSURE AND ITEM 12. RESULTS OF OPERATIONS AND
         FINANCIAL CONDITION

         On April 20, 2004, registrant announced results of operations for the
         quarter ended March 31, 2004, as set forth in the press release
         included as Exhibit 99.1, which is incorporated herein by reference.





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                                   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 thereunto duly authorized.

                                      United Bancorp, Inc.
                                      (Registrant)
                                      By:

Date:  April 20, 2004                  /S/ Dale L. Chadderdon
                                       ---------------------------------------
                                       (Principal Financial Officer)
                                       Senior Vice President, Secretary and
                                       Treasurer


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                                 EXHIBIT INDEX


Exhibit No.             Description
-----------             ------------

   99.1                 Press Release dated April 20, 2004