UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) January 26, 2004
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UNITED BANCORP, INC.
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(Name of Issuer in its charter)
Ohio 0-16540 34-1405357
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(State or Other Jurisdiction (Commission (I.R.S. Employer
of Incorporation) File Number) Identification No.)
201 South 4th Street, Martins Ferry, Ohio 43935-0010
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(Address of Principal Executive Offices) (Zip Code)
Registrant's Telephone Number, including Area Code 740-633-0445
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N/A
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(Former Name or Former Address, if Changed Since Last Report)
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
(c) EXHIBITS.
The following exhibits are furnished herewith:
EXHIBIT NO. DESCRIPTION OF EXHIBIT
99 Press Release dated January 26, 2004 announcing the
Registrant's financial results for the three and twelve month
periods ended December 31, 2003
ITEM 12. DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On January 26, 2004, the Company issued a press release announcing financial
results for the fiscal periods ended December 31, 2003. A copy of the press
release is attached hereto as Exhibit 99 and incorporated by reference herein.
Statements contained in this report may be forward-looking statements, as that
term is defined in the Private Securities Litigation Reform Act of 1995.
Forward-looking statements may be identified by the use of such words as
"intend," "believe," "expect," "anticipate," "should," "planned," "estimated,"
and "potential." Such forward-looking statements are based on current
expectations, but may differ materially from those currently anticipated due to
a number of factors, which include, but are not limited to, changes in interest
rates, general economic conditions, legislative and regulatory changes, monetary
and fiscal policies of the U.S. Government, including policies of the U.S.
Treasury and the Federal Reserve Board, the quality and composition of the loan
or investment portfolios, demand for loan products, deposit flows, competition,
demand for financial services in the Bank's market area, changes in relevant
accounting principles and guidelines and other factors over which management has
no control. The forward-looking statements are made as of the date of this
release, and the Company assumes no obligation to update the forward-looking
statements or to update the reasons why actual results could differ from those
projected in the forward-looking statements.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto authorized.
Dated: January 28, 2004
United Bancorp, Inc.
By: /s/ Randall M. Greenwood
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Randall M. Greenwood
Chief Financial Officer
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION OF EXHIBIT
99 Press Release dated January 26, 2004 announcing the
Registrant's financial results for the three and twelve month
periods ended December 31, 2003