United Bank (UBLS.Q) 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	1,851	23,456	SH		SOLE		23,456	0	0
ALLSTATE CORP	COM	020002101	1,180	12,862	SH		SOLE		12,862	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,212	1,904	SH		SOLE		1,904	0	0
AMAZON COM INC	COM	023135106	1,922	986	SH		SOLE		986	0	0
APPLE INC	COM	037833100	2,995	11,778	SH		SOLE		11,778	0	0
AT&T INC	COM	00206R102	664	22,793	SH		SOLE		22,793	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,056	5,777	SH		SOLE		5,777	0	0
BOEING CO	COM	097023105	614	4,117	SH		SOLE		4,117	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,081	19,388	SH		SOLE		19,388	0	0
CHEVRON CORP NEW	COM	166764100	1,033	14,258	SH		SOLE		14,258	0	0
CITIGROUP INC	COM NEW	172967424	675	16,027	SH		SOLE		16,027	0	0
COCA COLA CO	COM	191216100	2,223	50,239	SH		SOLE		50,239	0	0
COMCAST CORP NEW	CL A	20030N101	745	21,666	SH		SOLE		21,666	0	0
COSTCO WHSL CORP NEW	COM	22160K105	1,344	4,713	SH		SOLE		4,713	0	0
CVS HEALTH CORP	COM	126650100	556	9,378	SH		SOLE		9,378	0	0
DISNEY WALT CO	COM DISNEY	254687106	1,316	13,628	SH		SOLE		13,628	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,469	18,162	SH		SOLE		18,162	0	0
EXXON MOBIL CORP	COM	30231G102	674	17,741	SH		SOLE		17,741	0	0
FACEBOOK INC	CL A	30303M102	392	2,352	SH		SOLE		2,352	0	0
FIRST TR MORNINGSTAR DIVID L	SHS	336917109	1,032	46,236	SH		SOLE		46,236	0	0
GENERAL DYNAMICS CORP	COM	369550108	385	2,909	SH		SOLE		2,909	0	0
HOME DEPOT INC	COM	437076102	1,149	6,152	SH		SOLE		6,152	0	0
HONEYWELL INTL INC	COM	438516106	786	5,875	SH		SOLE		5,875	0	0
INTEL CORP	COM	458140100	1,761	32,544	SH		SOLE		32,544	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,298	16,075	SH		SOLE		16,075	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,066	36,828	SH		SOLE		36,828	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	2,400	14,540	SH		SOLE		14,540	0	0
ISHARES TR	GLB INFRASTR ETF	464288372	2,532	74,129	SH		SOLE		74,129	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	2,396	16,653	SH		SOLE		16,653	0	0
ISHARES TR	MSCI EAFE ETF	464287465	8,010	149,825	SH		SOLE		149,825	0	0
ISHARES TR	CORE US AGGBD ET	464287226	335	2,905	SH		SOLE		2,905	0	0
ISHARES TR	CORE S&P500 ETF	464287200	268	1,036	SH		SOLE		1,036	0	0
JOHNSON & JOHNSON	COM	478160104	940	7,168	SH		SOLE		7,168	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,983	22,025	SH		SOLE		22,025	0	0
LAUDER ESTEE COS INC	CL A	518439104	461	2,893	SH		SOLE		2,893	0	0
LILLY ELI & CO	COM	532457108	798	5,755	SH		SOLE		5,755	0	0
LOWES COS INC	COM	548661107	1,112	12,925	SH		SOLE		12,925	0	0
MARSH & MCLENNAN COS INC	COM	571748102	467	5,399	SH		SOLE		5,399	0	0
MASTERCARD INC	CL A	57636Q104	370	1,530	SH		SOLE		1,530	0	0
MCDONALDS CORP	COM	580135101	1,200	7,258	SH		SOLE		7,258	0	0
MICROSOFT CORP	COM	594918104	2,773	17,586	SH		SOLE		17,586	0	0
MONDELEZ INTL INC	CL A	609207105	631	12,603	SH		SOLE		12,603	0	0
NIKE INC	CL B	654106103	1,362	16,456	SH		SOLE		16,456	0	0
NORFOLK SOUTHERN CORP	COM	655844108	1,091	7,474	SH		SOLE		7,474	0	0
ORACLE CORP	COM	68389X105	811	16,774	SH		SOLE		16,774	0	0
PEPSICO INC	COM	713448108	550	4,580	SH		SOLE		4,580	0	0
PFIZER INC	COM	717081103	1,630	49,946	SH		SOLE		49,946	0	0
PNC FINL SVCS GROUP INC	COM	693475105	235	2,460	SH		SOLE		2,460	0	0
PROCTER & GAMBLE CO	COM	742718109	1,869	16,992	SH		SOLE		16,992	0	0
SALESFORCE COM INC	COM	79466L302	1,081	7,509	SH		SOLE		7,509	0	0
SELECT SECTOR SPDR TR	SBI INT-FINL	81369Y605	794	38,152	SH		SOLE		38,152	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	2,740	34,090	SH		SOLE		34,090	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	356	12,245	SH		SOLE		12,245	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	1,051	17,804	SH		SOLE		17,804	0	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	868	19,277	SH		SOLE		19,277	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	1,286	14,520	SH		SOLE		14,520	0	0
SENSEONICS HLDGS INC	COM	81727U105	15	24,000	SH		SOLE		24,000	0	0
SMITH A O CORP	COM	831865209	208	5,500	SH		SOLE		5,500	0	0
SOUTHERN CO	COM	842587107	1,438	26,568	SH		SOLE		26,568	0	0
SPDR INDEX SHS FDS	GLB NAT RESRCE	78463X541	2,995	96,787	SH		SOLE		96,787	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	481	6,028	SH		SOLE		6,028	0	0
STARBUCKS CORP	COM	855244109	881	13,400	SH		SOLE		13,400	0	0
TJX COS INC NEW	COM	872540109	406	8,498	SH		SOLE		8,498	0	0
TRUIST FINL CORP	COM	89832Q109	240	7,788	SH		SOLE		7,788	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,936	21,743	SH		SOLE		21,743	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	6,717	96,165	SH		SOLE		96,165	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,955	88,063	SH		SOLE		88,063	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,309	24,369	SH		SOLE		24,369	0	0
VISA INC	COM CL A	92826C839	1,284	7,969	SH		SOLE		7,969	0	0
WALMART INC	COM	931142103	298	2,621	SH		SOLE		2,621	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	807	7,985	SH		SOLE		7,985	0	0