2002 Press Releases
United Bancorp, Inc.

January 22 -
 Reports 2001 Earnings Per Share Increase of 8.64%

March 1 -
 Announces Cash Dividend Payment of 13¢ per Share

April 18 -
 Reports Earnings per Share increases of 15.79% for the Three-months ended March 31, 2002 and Declares a Cash Dividend Payment of 13¢ per Share

May 15 -
 The Citizens Savings Bank Reorganizes its Leadership for Second Century

May 17 -
 Promotions announced at The Citizens Savings Bank

July 16 -
 Reports Earnings per Share increases of 11.6% for the Six-months ended June 30, 2002

August 22 -
 Declares a Regular 13¢ Per Share Dividend and Announces Renewal of Stock Buy Back Program

October 17 -
 Reports Earnings per Share increases of 12.5% for the Nine-months ended September 30, 2002

November 21 -
 Announces 5% Share Dividend and Cash Dividend Payment of 13¢ per Share

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The Citizens Savings Bank / The Community Bank