EXHIBIT 24.1

                                POWER OF ATTORNEY

     KNOW ALL MEN BY THESE PRESENTS, that each of United Community Bancorp, and
the several undersigned Officers and Directors thereof whose signatures appear
below hereby makes, constitutes and appoints R. Steve Aaron and G. Marvin Lowder
its and his or her true and lawful attorneys, with full power of substitution to
execute, deliver and file in its or his or her name and on its or his or her
behalf, and in each of the undersigned Officer's and Director's capacity or
capacities as shown below, (a) Registration Statement on Form S-8 (or other
appropriate form) with respect to the registration under the Securities Act of
1933, as amended, of the shares of common stock of United Community Bancorp,
$1.00 par value per share, to be issued in connection with the issuance of
shares upon the exercise of options pursuant to the United Community Bancorp FGB
1999 Incentive Stock Option Plan, United Community Bancorp FGB 1999 Nonstatutory
Stock Option Plan, and United Community Bancorp FGB Stock Option Plan, all
documents in support thereof or supplemental thereto and any and all amendments,
including any and all post-effective amendments, to the foregoing (hereinafter
called the "Registration Statement"), and (b) such registration statement,
petitions, applications, consents to service of process or other instruments,
any and all documents in support thereof or supplemental thereto, and any and
all amendments or supplements to the foregoing, as may be necessary or advisable
to qualify or register the securities covered by said Registration Statement;
and each of United Community Bancorp and said Officers and Directors hereby
grants to said attorneys full power and authority to do and perform each and
every act and thing whatsoever as said attorneys may deem necessary or advisable
to carry out fully the intent of this power of attorney to the same extent and
with the same effect as United Community Bancorp might or could do, and as each
of said Officers and Directors might or could do personally in his or her
capacity or capacities as aforesaid, and each of United Community Bancorp and
said Officers and Directors hereby ratifies and confirms all acts and things
which said attorneys might do or cause to be done by virtue of this power of
attorney and its or his or her signatures as the same may be signed by said
attorneys to any or all of the following (and/or any and all amendments and
supplements to any or all thereof); such Registration Statement filed under the
Securities Act of 1933, as amended, and all such registration statement,
petitions, applications, consents to service of process and other instruments,
and all documents in support thereof or supplemental thereto, filed under such
securities laws, regulations and requirements as may be applicable.

     IN WITNESS WHEREOF, United Community Bancorp has caused this power of
attorney to be signed on its behalf, and each of the undersigned Officers and
Directors in the capacity or capacities noted has hereunto set his or her hand
on the date indicated below.

                                    UNITED COMMUNITY BANCORP
                                    (Registrant)


                                    By: /s/ R. Steve Aaron
                                        ----------------------------------------
                                        R. Steve Aaron, President and Chief
                                        Executive Officer


Dated: January 10, 2002



SIGNATURE                              CAPACITY
- ---------                              --------

/s/ R. Steve Aaron                     Director, President, and Chief Executive
- ------------------                     Officer
R. Steve Aaron

/s/ Susan B. Mikels                    Chief Financial Officer
- -------------------
Susan B. Mikels

/s/ David E. Cline                     Director
- -------------------
David E. Cline

/s/ Loretta P. Dodgen, Ed.D.           Director
- -----------------------------
Loretta P. Dodgen, Ed.D.

/s/ W. Alex Hall, Jr.                  Director and Executive Vice President
- ----------------------
W. Alex Hall, Jr.

/s/ Robert P. Huntley                  Director
- ----------------------
Robert P. Huntley

/s/ W. Steve Ikerd                     Director
- -------------------
W. Steve Ikerd

/s/ H. Ray McKenney, Jr.               Director
- -------------------------
H. Ray McKenney, Jr.

/s/ Howard L. Pruitt                   Director
- ---------------------
Howard L. Pruitt