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):  November 5, 2004



                              UNITED BANCORP, INC.
                         (Name of Issuer in its charter)



Ohio                                0-16540                       34-1405357
----------------                    -------                       ----------
(State or other                   (Commission                  (I.R.S. Employer
jurisdiction of                   File Number)                 Identification
incorporation)                                                 Number)



201 South 4th Street, Martins Ferry, Ohio                        43935-0010
-----------------------------------------                        ----------
(Address of principal executive offices)                         (Zip Code)



Registrant's telephone number, including area code:  (740) 633-0445


                                       N/A
          (Former name or former address, if changed since last report)







ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On November 5, 2004, United Bancorp, Inc. issued a press release announcing its
results of operations and financial condition for and as of, respectively, the
three and nine month periods ended September 30, 2004, unaudited. The press
release is attached as Exhibit No. 99 and incorporated herein by reference.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits

EXHIBIT NO.       DESCRIPTION OF EXHIBIT
-----------       ----------------------

    99            Press release dated November 5, 2004 announcing Registrant's
                  results of operations and financial condition for and as of
                  the fiscal periods ended September 30, 2004.


                                   SIGNATURES

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 duly authorized.

Dated:  November 10, 2004                       United Bancorp, Inc.

                                                /s/ Mr. James W. Everson

                                            By: James W. Everson
                                                Chairman, President and
                                                Chief Executive Officer



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                                  EXHIBIT INDEX



EXHIBIT NO.       DESCRIPTION OF EXHIBIT
-----------       ----------------------

    99            Press release dated November 5, 2004 announcing Registrant's
                  results of operations and financial condition for and as of
                  the fiscal periods ended September 30, 2004.




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