EXHIBIT 99.1


DISCLOSURE PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Pursuant to section 906 of the Sarbanes-Oxley Act of 2002, each of the
undersigned officers of United Bancorp, Inc. does hereby certify, to such
officer's knowledge, that the Quarterly Report on Form 10-Q for the quarter
ended March 31, 2003 (the "Form 10-Q") of the Company fully complies with the
requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934
and information contained in the Form 10-Q fairly presents, in all material
respects, the financial condition and results of operations of the Company.



/S/ David S. Hickman                                    May 13, 2003
- -------------------------------------------------     ----------------
David S. Hickman                                                Date
Chairman and Chief Executive Officer


/S/ Dale L. Chadderdon                                  May 13, 2003
- -------------------------------------------------     ----------------
Dale L. Chadderdon                                              Date
Senior Vice President, Secretary & Treasurer



















                                    Page 23