EXHIBIT 99.1

                              UNITED BANCORP, INC.

FOR IMMEDIATE RELEASE                          CONTACT:        Robert K. Chapman
October 10, 2007                                            United Bancorp, Inc.
                                                                    734-214-3801

                   UNITED BANCORP, INC. DECLARES CASH DIVIDEND

TECUMSEH,  MI -- United Bancorp, Inc. (OTC: UBMI) announced that it has declared
a quarterly cash dividend of $0.20 per share payable October 31, 2007.

Robert K. Chapman, President and Chief Executive Officer of United Bancorp, Inc.
("United") announced that the Board of Directors of United Bancorp, Inc. has
declared a cash dividend of $0.20 per share payable October 31, 2007 to
shareholders of record October 19, 2007. This dividend represents the same
per-share amount as paid in the second and third quarters of this year, after
adjustment for the 100% stock dividend paid May 31, 2007.

In the first quarter of 2007, the Company's Board of Directors authorized the
repurchase of up to 260,000 shares (adjusted for stock dividend) or
approximately 5%, of the Company's common shares outstanding. During the third
quarter of 2007, United purchased 83,326 shares under this program, bringing the
total shares repurchased to 132,079 during 2007.

About United Bancorp, Inc.

United Bancorp, Inc. is an independent financial holding company that is the
parent company for United Bank & Trust and United Bank & Trust -- Washtenaw. The
subsidiary banks operate seventeen banking offices in Lenawee, Washtenaw and
Monroe counties, and United Bank & Trust maintains an active wealth management
group that serves the Company's market area. For more information, visit the
company's website at www.ubat.com.

Safe Harbor Statement

This news release may contain certain forward-looking statements within the
meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21
B of the Securities Act of 1934, as amended, which are intended to be safe
harbors created thereby. Those statements are based on management's beliefs,
assumptions, current expectations, estimates and projections about the financial
services industry, the economy, and about the Company itself. Words such as
"anticipate," "believe," "determine," "estimate," "expect," "forecast,"
"intend," "is likely," "plan," "project," "opinion," variations of such terms,
and similar expressions are intended to identify such forward-looking
statements. The presentations and discussions of the provision and allowance for
loan losses presented in this report are inherently forward-looking statements
in that they involve judgments and statements of belief as to the outcome of
future events.

These statements are not guarantees of future performance and involve certain
risks, uncertainties, and assumptions that are difficult to predict with regard
to timing, extent, likelihood, and degree of occurrence. Therefore, actual
results and outcomes may materially differ from what may be expressed or
forecasted in such forward-looking statements. Internal and external factors
that may cause such a difference include changes in economic conditions in the
market area the Company conducts business which could materially impact credit
quality trends, interest rates and interest rate relationships; demand for
products and services; the degree of competition by traditional and
non-traditional competitors; changes in banking laws and regulations; changes in
tax laws; changes in prices, levies, and assessments; the impact of
technological advances;




governmental and regulatory policy changes; the outcomes
of pending and future litigation and contingencies; trends in customer behavior
and customer ability to repay loans; software failure, errors or
miscalculations; and the vicissitudes of the national economy. The Company
wishes to caution readers not to place undue reliance on any such
forward-looking statements, which speak only as of the date made. The Company
undertakes no obligation to update, amend or clarify forward-looking statements,
whether as a result of new information, future events, or otherwise.


                                       ###