Exhibit 99

                            FOR IMMEDIATE RELEASE

November 30, 1999

Contact:   Union Bankshares, Inc.   Citizens Savings Bank and Trust Company
           Mr. Kenneth Gibbons      Mr. Jerry Rowe
           (802) 888-6600           (802) 748-3131

         Affiliation of Citizens Savings Bank and Trust Company with
                      Union Bankshares, Inc. Completed

Morrisville, VT, November 30, 1999 -- Citizens Savings Bank and Trust
Company ("Citizens"), St. Johnsbury, VT, joins Union Bank as wholly owned
subsidiaries of Union Bankshares, Inc. ("Union'), Morrisville, VT, at the
close of business today.  Citizens shareholders will receive 6.52 shares of
Union Common Stock for each share of Citizens Common Stock.  Union will
issue approximately 991,000 shares in the transaction, with fractional
shares settled in cash.  The transaction is treated as a pooling of
interests and as a tax-free exchange.

Citizens retains its state bank charter and will continue to do business as
Citizens Saving Bank and Trust Company at all its business locations with
the same management and employee team but as a wholly owned Union
subsidiary.

Union president Ken Gibbons stated, "We are very pleased with the addition
of Citizens as a sister bank.  We plan to utilize their expertise in trust
services to better serve our customers in the Lamoille Valley.  Citizens
customers will see no change in their day-to-day banking with any
consolidations directed only to certain behind the scenes support functions
at both banks.  This is a classic example of two small banks affiliating to
take advantage of each others strengths and is very important in this era
of continuing changes in the financial services arena."

Jerry Rowe, who continues as president of Citizens, stated, "The mission of
Citizens Bank will be  greatly enhanced by our affiliation with Union Bank.
The new combination of management talent and capital will enable us to
diversify our products and create new ways to deliver service.  Everyone at
Citizens is excited about the future."

Three Directors from Citizens, including Jerry Rowe, President of Citizens,
were appointed to Union Bankshares, Inc. Board.  Two Directors of Union,
including Kenneth Gibbons, President of Union, were appointed to the
Citizens Board.

With the completion of the acquisition, Union now has consolidated assets
of over $300 million and deposits in excess of $265 million, with 12 full
service banking offices and 22 ATMs serving Lamoille, Caledonia and Orleans
counties.