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


                                 April 18, 2005
               (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)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligations of the registrant under any of the
following provisions:

       / /  Written communications pursuant to Rule 425 under the Securities Act
             (17 CFR 230.425)

       / /  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
            (17 CFR 240.14a-12)

       / /  Pre-commencement communications pursuant to Rule 14d-2(b) under the
            Exchange Act (17 CFR 240.14d-2(b))

       / /  Pre-commencement communications pursuant to Rule 13e-4(c) under the
            Exchange Act (17 CFR 240.13e-4(c))


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ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION AND ITEM 7.01 REGULATION
           FD DISCLOSURE

         On April 18, 2005, registrant announced results of operations for the
         quarter ended March 31, 2005, as set forth in the press release
         included as Exhibit 99.1, which is incorporated herein by reference.



ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS

         (C)      EXHIBITS
           99.1   Press Release dated April 18, 2005


                                   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:  April 19, 2005                   /S/ Dale L. Chadderdon
                                        ---------------------------------------
                                        Dale L. Chadderdon
                                        Executive Vice President and
                                        Chief Financial Officer


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                                  EXHIBIT INDEX





Exhibit No.         Description
- -----------         -----------
                 

99.1                Press Release dated April 18, 2005





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