EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ENACTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of United Bancorp, Inc. (the "Company")
on Form 10-Q for the period ending June 30, 2005 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Randall M.
Greenwood, Chief Financial Officer of the Company, certify, pursuant to 18
U.S.C. Section 1350, as enacted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, 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/Randall M. Greenwood
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Randall M. Greenwood,
Senior Vice President and Chief Financial Officer

August 12, 2005