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) July 22, 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 of (Commission File Number) (I.R.S. Employer
Incorporation) 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 July 22, 2004 announcing the
Registrant's financial results for the three and six
month periods ended June 30, 2004
ITEM 12. DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 22, 2004, the Company issued a press release announcing financial
results for the fiscal periods ended June 30, 2004. 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, factors discussed in
documents filed by the Company with the Securities and Exchange Commission from
time to time, which are incorporated into this press release by reference. Other
factors which could have a material adverse effect on the operations of the
Company and its subsidiaries 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: July 27, 2004
United Bancorp, Inc.
By: /s/ Scott A. Everson
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Scott A. Everson
Senior Vice President - Operations
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION OF EXHIBIT
99 Press Release dated July 22, 2004 announcing the
Registrant's financial results for the three and six
month periods ended June 30, 2004