EXHIBIT (32) (B)

                Certification Pursuant to 18 U.S.C. Section 1350,
      as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

In connection with the Annual Report of United Bancshares, Inc. (the "Company")
on Form 10-K for the year ending December 31, 2005 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Brenda M.
Hudson-Nelson, Chief Financial Officer of the Company, certify, pursuant to 18
U.S.C. ss.1350, as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of 2002,
that to the best of my knowledge and belief:

         (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 result of operations of the
Company.


/s/ Brenda M. Hudson-Nelson

Brenda M. Hudson-Nelson
Chief Financial Officer
March 31, 2006