Exhibit 11

                Statement Re: Computation of Earnings Per Share



UNITED BANKSHARES, INC. AND SUBSIDIARIES




                                                     For the Quarter Ended
                                                           March 31
                                                    ------------------------
PRIMARY:                                                1995        1994
- --------                                            -----------  -----------
                                                           
 
Average Number of Common Shares                      11,809,055   11,929,809
Average Number of Common Share Equivalents               73,360       93,454
                                                    -----------  -----------
Average Shares and Share Equivalents Outstanding     11,882,415   12,023,263
                                                    ===========  ===========
 
 
 
Net Income                                          $ 6,897,000  $ 6,094,000
Preferred Dividends
                                                    -----------  -----------
Available to Common Shares                          $ 6,897,000  $ 6,094,000
                                                    ===========  ===========
 
Earnings Per Common Share:                          $      0.58  $      0.51
                                                    ===========  ===========
 
 
 
FULLY DILUTED:
- --------------
 
Average Number of Common Shares                      11,809,055   11,929,809
Average Number of Common Share Equivalents               85,929       94,487
                                                    -----------  -----------
Average Shares and Share Equivalents Outstanding     11,894,984   12,024,296
                                                    ===========  ===========
 
 
Net Income                                          $ 6,897,000  $ 6,094,000
Preferred Dividends
                                                    -----------  -----------
Available to Common Shares                          $ 6,897,000  $ 6,094,000
                                                    ===========  ===========
 
Earnings Per Common Share                           $      0.58  $      0.51
                                                    ===========  ===========