Exhibit 99.2


      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 Annual Report of United Bancshares,  Inc. (the "Company")
on the Form 10-K for the  period  ending,  December  31,  2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"),  I, Brenda
Hudson-Nelson,  Chief Financial Officer, of the Company,  certify pursuant to 18
U.S.C.  ss.1350,  as adopted  pursuant to ss. 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 operation of
          the Company.


/s/ Brenda Hudson-Nelson
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Brenda Hudson-Nelson,
Chief Financial Officer,
March 31, 2003