EXHIBIT 32.1

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

In connection with the accompanying Quarterly Report on Form 10-Q of United
Bancorp, Inc. (the "Company") for the quarter ended March 31, 2004 (the
"Report"), each of the undersigned, hereby certifies, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, to the best of his respective knowledge and belief, that:

(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 operations of the
      Company.

/S/ David S. Hickman                                              May 7, 2004
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David S. Hickman                                                    Date
Chairman and Chief Executive Officer
(Principal Executive Officer)

/S/ Dale L. Chadderdon                                            May 7, 2004
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Dale L. Chadderdon                                                  Date
Senior Vice President, Secretary & Treasurer
(Principal Financial Officer)