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 September 30, 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                                   November 3, 2004
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David S. Hickman                                               Date
Chairman and Chief Executive Officer
(Principal Executive Officer)

/S/ Dale L. Chadderdon                                 November 3, 2004
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Dale L. Chadderdon                                             Date
Senior Vice President, Secretary & Treasurer
(Principal Financial Officer)



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