Exhibit 99.2

                          NOTICE OF GUARANTEED DELIVERY
                                  FOR TENDER OF
                            8.125% CAPITAL SECURITIES
               (LIQUIDATION AMOUNT $1,000 PER CAPITAL SECURITY)
                                       OF
                         UNITED COMMUNITY CAPITAL TRUST

      As set forth in the Exchange Offer, this Notice of Guaranteed Delivery, or
one substantially equivalent to this form, must be used to accept the Exchange
Offer (as defined below) if (i) certificates for the Trust's (as defined below)
8.125% Capital Securities (the "Old Capital Securities") are not immediately
available, (ii) Old Capital Securities, the Letter of Transmittal and all other
required documents cannot be delivered to The Chase Manhattan Bank (the
"Exchange Agent") on or prior to the Expiration Date (as defined in the
Prospectus referred to below) or (iii) the procedures for delivery by book-entry
transfer cannot be completed on by the Expiration Date. This Notice of
Guaranteed Delivery may be delivered by hand, overnight courier or mail, or
transmitted by facsimile transmission, to the Exchange Agent. See "The Exchange
Offer--Procedures for Tendering Old Capital Securities" in the Prospectus.

                            The Chase Manhattan Bank
                             (the "Exchange Agent")

          BY REGISTERED OR CERTIFIED MAIL, HAND OR OVERNIGHT DELIVERY:

                            The Chase Manhattan Bank
                                 55 Water Street
                                    Room 234
                                 North Building
                            New York, New York 10041
                            Attention: Carlos Esteves

                             FACSIMILE TRANSMISSION
                        (FOR ELIGIBLE INSTITUTIONS ONLY):

                                (212) 638-7375
                                (212) 344-9367

                              CONFIRM BY TELEPHONE:

                         Carlos Esteves: (212) 638-0828

      DELIVERY OF THIS NOTICE OF GUARANTEED DELIVERY TO AN ADDRESS OTHER THAN AS
SET FORTH ABOVE OR TRANSMISSION OF THIS NOTICE OF GUARANTEED DELIVERY VIA
FACSIMILE TO A NUMBER OTHER THAN AS SET FORTH ABOVE WILL NOT CONSTITUTE A VALID
DELIVERY.

      THIS NOTICE OF GUARANTEED DELIVERY IS NOT TO BE USED TO GUARANTEE
SIGNATURES. IF A SIGNATURE ON A LETTER OF TRANSMITTAL IS REQUIRED TO BE
GUARANTEED BY AN "ELIGIBLE INSTITUTION" UNDER THE INSTRUCTIONS THERETO, SUCH
SIGNATURE GUARANTEE MUST APPEAR IN THE APPLICABLE SPACE PROVIDED IN THE
SIGNATURE BOX ON THE LETTER OF TRANSMITTAL.





Ladies and Gentlemen:

      The undersigned hereby tenders to United Community Capital Trust, a
Delaware statutory business trust (the "Trust"), upon the terms and subject to
the conditions set forth in the Prospectus dated _____________, 1998 (as the
same may be amended or supplemented from time to time, the "Prospectus"), and
the related Letter of Transmittal (which together constitute the "Exchange
Offer"), receipt of which is hereby acknowledged, the aggregate Liquidation
Amount of Old Capital Securities set forth below pursuant to the guaranteed
delivery procedures set forth in the Prospectus under the caption "The Exchange
Offer--Procedures for Tendering Old Capital Securities."

Aggregate Liquidation Amount Tendered:_______________________________________

Name(s) of Registered Holder(s):_____________________________________________

Address:_____________________________________________________________________

Area Code and Telephone Number:______________________________________________

Certificate No(s) (if available):_____________________________________________


If Old Capital Securities will be tendered by book-entry transfer, provide the
following information:

Signature:____________________________________________________________________

DTC Account Number:___________________________________________________________

Date:_________________________________________________________________________

             THE GUARANTEE ON THE REVERSE SIDE MUST BE COMPLETED

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                                    GUARANTEE
                    (NOT TO BE USED FOR SIGNATURE GUARANTEE)

      The undersigned, a firm or other entity identified in Rule 17Ad-15 under
the Securities Exchange Act of 1934, as amended, as an "eligible guarantor
institution," including (as such terms are defined therein): (i) a bank; (ii) a
broker, dealer, municipal securities broker, municipal securities dealer,
government securities broker or government securities dealer; (iii) a credit
union; (iv) a national securities exchange, registered securities association or
clearing agency; or (v) a savings association that is a participant in a
Securities Transfer Association recognized program (each of the foregoing being
referred to as an "Eligible Institution"), hereby guarantees to deliver to the
Exchange Agent, at one of its addresses set forth above, either the Old Capital
Securities tendered hereby in proper form for transfer, or confirmation of the
book-entry transfer of such Old Capital Securities to the Exchange Agent's
account at The Depository Trust Company, pursuant to the procedures for
book-entry transfer set forth in the Prospectus, in either case together with
one or more properly completed and duly executed Letter(s) of Transmittal (or
facsimile thereof or Agent's Message in lieu thereof) and any other required
documents within three business days after the date of execution of this Notice
of Guaranteed Delivery.

      The undersigned acknowledges that it must deliver the Letter(s) of
Transmittal (or facsimile thereof or Agent's Message in lieu thereof) and the
Old Capital Securities tendered hereby to the Exchange Agent within the time
period set forth above and that failure to do so could result in a financial
loss to the undersigned.

 

Name of Firm:________________________________          _____________________________________________
                                                        Authorized Signature

Address:_____________________________________          Title:_______________________________________

_____________________________________________          Name:________________________________________
                        Zip Code
Area Code and Telephone Number:________________        Date:________________________________________


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DO NOT SEND OLD CAPITAL  SECURITIES  WITH THIS NOTICE OF GUARANTEED  DELIVERY.
ACTUAL  SURRENDER OF OLD CAPITAL  SECURITIES  MUST BE MADE PURSUANT TO, AND BE
ACCOMPANIED  BY, A PROPERLY  COMPLETED AND DULY EXECUTED LETTER OF TRANSMITTAL
AND ANY OTHER REQUIRED DOCUMENTS.
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