<ARTICLE>                                            9
<CIK>                         0000729986
<NAME>                        UNITED BANKSHARES, INC.
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         124,591,000
<INT-BEARING-DEPOSITS>                         6,807,000
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