EXHIBIT (B) 99.1

                                                                    Exhibit 99.1


     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 the Form 10-K for the  period  ending  December  31,  2002 as filed  with the
Securities and Exchange Commission on the date hereof (the "Report"),  I, Evelyn
F. Smalls, Chief Executive 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 results of operation of
          the Company.




/s/ Evelyn F. Smalls
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Evelyn F. Smalls
Chief Executive Officer
March 31, 2003