UNITED STATES
                       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


                                  June 14, 2004
               (Date of Report (Date of Earliest Event Reported))


                              UNITED BANCORP, INC.
                              --------------------
             (Exact name of registrant as specified in its charter)


            MICHIGAN                      0-16640               38-2606280
            --------                      -------               ----------
  (State or other jurisdiction          Commission           (I.R.S. Employer
of incorporation or organization)       File Number        Identification No.)



                  205 E. CHICAGO BOULEVARD, TECUMSEH, MI 49286
                  --------------------------------------------
                    (Address of principal executive offices)


                                 (517) 423-8373
                                 --------------
               (Registrant's telephone number including area code)


                                       N/A
                                       ---
(Former name, former address and former fiscal year, if changed since last
 report)






ITEM 7.    FINANCIAL STATEMENTS AND EXHIBITS

        (c)     EXHIBITS
           99.1 Press Release dated June 14, 2004

ITEM 9.  REGULATION FD DISCLOSURE AND ITEM 12. RESULTS OF OPERATIONS AND
         FINANCIAL CONDITION

           On June 14, 2004, registrant announced the declaration of a cash
           dividend, as set forth in the press release included as Exhibit 99.1,
           which is incorporated herein by reference.



                                   SIGNATURES

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

                                          United Bancorp, Inc.
                                          (Registrant)
                                          By:

Date:  June 14, 2004                      /S/ Dale L. Chadderdon
                                          --------------------------------------
                                           (Principal Financial Officer)
                                            Senior Vice President, Secretary and
                                            Treasurer





                                 EXHIBIT INDEX


  No.                     Description
- ------                    -----------
 99.1                     Press Release dated June 14, 2004