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                              United Bancorp, Inc.
                                    Form 8-K

                                                                    EXHIBIT 99.1




PRESS RELEASE


THE CITIZENS SAVINGS BANK
201 South 4th at Hickory Street, Martins Ferry, OH  43935
Contact: James W. Everson
         Chairman, President and CEO
Phone:   (740) 633-0445 Ext. 120   ceo@unitedbancorp.com

FOR IMMEDIATE RELEASE:     September 15, 1999


SUBJECT: JAMES W. EVERSON REAPPOINTED CHAIRMAN, PRESIDENT, AND CHIEF EXECUTIVE
         OFFICER OF THE CITIZENS SAVINGS BANK

MARTINS FERRY, OHIO --- The Board of Directors of The Citizens Savings Bank,
Martins Ferry, Ohio has reappointed James W. Everson as Chairman, President, and
Chief Executive Officer of The Citizens Savings Bank to fill the vacancy created
by the untimely death of Harold W. Price. Everson, who also serves in the same
capacity for United Bancorp, Inc., Martins Ferry, Ohio began his banking career
with The Citizens Savings Bank as a student employee in 1959 and was originally
appointed the Bank's President and Chief Executive Officer in January of 1973.
Everson held this position until April of this year at which time The
Citizens-State Bank of Strasburg,Ohio under the leadership of Harold Price was
consolidated into The Citizens Savings Bank.

Everson stated, "Our entire bank family is devastated by the unexpected death of
Harold Price. Harold was a full service banker who brought his own unique style
to the management of his people and the service of his customers. He will be
very much missed, long remembered and always respected. Our thoughts and our
prayers are with his family."

The Citizens Savings Bank is an affiliate of United Bancorp, Inc., which is
headquartered in Martins Ferry, and is a multi-bank holding company with total
assets of approximately $288 million and total shareholder equity of
approximately $26.0 million as of June 30, 1999. Affiliates of UBCP include The
Citizens Savings Bank and The Community Bank, Lancaster, Ohio with fourteen
banking offices, one Loan Production Office and an Operations Center located in
Ohio serving Athens, Belmont, Carroll, Fairfield, Harrison, Hocking and
Tuscarawas Counties. The Company trades on The Nasdaq SmallCap Market tier of
the Nasdaq Stock Market under the symbol UBCP, Cusip #90991109.





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