Exhibit 99.1


                     Mid-Atlantic Community BankGroup, Inc.
               Proxy Solicited on Behalf of the Board of Directors


         The undersigned hereby appoints  _______________  and  _______________,
jointly  and  severally,  proxies,  with full power to act alone,  and with full
power of  substitution,  to represent the undersigned and to vote, as designated
below and upon any and all other  matters  that may  properly be brought  before
such meeting,  all shares of Common Stock that the undersigned would be entitled
to  vote  at  a  Special  Meeting  of  Shareholders  of  Mid-Atlantic  Community
BankGroup, Inc. ("MACB") to be held at the Abingdon Ruritan Club on Guinea Road,
Bena,  Virginia  on  October  __,  1998  at  __:__  p.m.,  local  time,  or  any
adjournments thereof, for the following purposes:

         1.     To approve the Agreement and Plan of Reorganization, dated as of
                July 8, 1998, between MACB and United Community Bankshares, Inc.
                ("UCB")  and  a  related  Plan  of  Merger  (collectively,   the
                "Reorganization Agreement"), providing for a Merger between MACB
                and UCB (the  "Reorganization")  upon the terms  and  conditions
                therein,  including,  among other  things,  that each issued and
                outstanding  share of UCB  common  stock will be  exchanged  for
                1.075 shares of MACB Common Stock,  with cash being paid in lieu
                of issuing fractional  shares.  The Reorganization  Agreement is
                enclosed with the accompanying Joint Proxy Statement as Appendix
                A.

                    [  ]  FOR          [  ]  AGAINST          [  ]  ABSTAIN


         2.     In their discretion, the proxies are authorized to vote upon any
                other business that may properly come before the meeting, or any
                adjournment thereof.


         THIS  PROXY,  WHEN  PROPERLY  EXECUTED,  WILL BE  VOTED  IN THE  MANNER
DIRECTED HEREIN BY THE SHAREHOLDER. IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE
VOTED FOR ITEM 1.




                                      __________________________________________
                                                     Signature



                                      __________________________________________
                                                     Signature


                                      Dated:

                                      (In signing as Attorney, Administrator,
                                      Executor, Guardian or Trustee, please
                                      add your title as such)


                   PLEASE MARK, DATE, SIGN AND RETURN PROMPTLY