1

EXHIBIT 23-C CONSENT OF YOUNG & ASSOCIATES


                        CONSENT OF INVESTMENT BANKER



We hereby consent to the discussion relative to our opinion delivered to the
Board of Directors of Southern Ohio Community Bancshares, Inc. in connection
with its proposed merger with United Bancorp, Inc. in the Proxy
Statement-Prospectus included in United Bancorp, Inc.'s Registration Statement
on Form S-4 under the heading "Opinion of Southern's Financial Advisor," to the
references to our firm in such Proxy Statement-Prospectus and to the inclusion
of such opinion as an Appendix to the Proxy Statement and Prospectus.


                                /s/ Young & Associates
                            ----------------------------    
                                   Young & Associates
                                
Kent, Ohio
April 9, 1998