EXHIBIT 32 (A)


                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 Quarterly Report of United Bancshares, Inc. (the
"Company") on Form 10-K for the year ending  December 31, 2003 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 result of operations of
          the Company.



/s/ Evelyn F. Smalls
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Evelyn F. Smalls
Chief Executive Officer
March 30, 2004