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

        Date of Report (Date of earliest event reported): April 23, 2003

                             UNITED FINANCIAL CORP.
             (Exact name of registrant as specified in its charter)

                                    MINNESOTA
                 (State or other jurisdiction of incorporation)

        0-28080                                            81-0507591
(Commission File Number)                       (IRS Employer Identification No.)

                                                             59403
P. O. BOX 2779, 120 FIRST AVENUE NORTH,
         GREAT FALLS, MONTANA                              (Zip Code)
(Address of principal executive offices)

       Registrant's telephone number, including area code: (406) 727-6106

                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

ITEM 12. DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITIONS.

        On April 23, 2003, United Financial Corp. (the "Company") announced its
financial results for the first quarter ended March 31, 2003. A copy of the
press release announcing the same is attached as Exhibit 99.1 to this Current
Report on Form 8-K.

        Note to readers: Please see the attached press release for definitions
of certain terms.

FORWARD LOOKING STATEMENTS WARNING

        When used in this Form 8-K, the words or phrases "will likely result
in", "are expected to", "will continue", "is anticipated", "estimate", "could",
or "project" or similar expressions are intended to identify "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995. Such forward-looking statements are subject to risks and uncertainties
that could cause actual results to differ materially from historical earnings
and those presently anticipated or projected including general economic
conditions, business conditions in the banking industry, the regulatory
environment, new legislation, employee retention factors, rapidly changing
technology and evolving banking industry standards, competitive standards,
competitive factors including increased competition among financial institutions
and fluctuating interest rate environments. Readers are cautioned not to place
undue reliance on any such forward-looking statements, which speak only as of
the date made. Readers should also carefully review the risk factors described
in the company's most recent quarterly report on Form 10-Q for the period ending
September 30, 2002, its Annual Report on Form 10-K for the period ending





December 31, 2002 and other documents the Company files from time to time with
the Securities and Exchange Commission.

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

        Exhibit 99.1 Press Release dated April 23, 2003.


                                   SIGNATURES

        Pursuant to the requirements of the Securities and Exchange Act of 1934,
United Financial Corp. has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.

                                                      UNITED FINANCIAL CORP.

DATE: April 23, 2003                                  By: /s/Paula J. Delaney

                                                         Paula J. Delaney
                                                         Chief Financial Officer


                                  EXHIBIT INDEX

EXHIBIT NO.                   DESCRIPTION

Exhibit 99.1              Press Release dated April 23, 2003.









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