EXHIBIT 99.1


Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section
906 of the Sarbanes-Oxley Act of 2002.

In connection with the Quarterly Report of United Bancshares, Inc. (the
"Company") on Form 10Q for the period ending March 31, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Evelyn
Smalls, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that to the best of my knowledge and belief:

(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/ Evelyn F. Smalls
Evelyn F. Smalls
Chief Executive Officer
May 9, 2003