Welcome to the Web Page of United Bancorp, Inc.  The fact that you have stopped here means that you are a very special person. We welcome you as an investor in our Company as well as a user of our Bank's products.

As we reach out to new heights, our pledge is to continue earning your respect - 

• of our shareholders through continued growth in our shareholder value 
• of our customers through providing quality, hometown banking service 
• of our communities, through support of our civic projects that make our communities better places to live and work 
• of our bank team members, through career growth opportunities and a comfortable environment with modern equipment and facilities. 

To learn more about our Company, you may review our Annual Report on line. Please read my Chairman's Letter and learn the highlights of our most recent year. Also, take a few moments to review our corporate profile, which outlines a rich dividend history. You will see the chart that shows that $100 invested on December 31, 1993 in UBCP stock is valued at year-end December 31, 1998 at over $216.00. Our Decade of Progress will provide to you each year's financial performance.

United Bancorp, Inc. and its subsidiary banks also have a rich history of growth through capital expenditure. In 1984, we moved into our new headquarters office located in Martins Ferry. Following the acquisition of The Citizens-State Bank in 1986, we built a new full service banking office in Dover in 1990, acquired our New Philadelphia and Sherrodsville offices in 1992 and purchased the Dellroy office in 1995. In 1994, we moved into our new Operations and Accounting Center in Martins Ferry, which allowed us to consolidate the operations of our affiliate banks. We introduced Check Image Processing to the Ohio Valley in 1996.  During 1997, we opened our first In-Store banking facility in Riesbeck's Food Markets in St. Clairsville, Ohio. In July 1998, we expanded into Northern Athens County with the acquisition of  The Community Bank with banking offices in Glouster (2), Amesville and Nelsonville, Ohio.  On January 27, 1999, The Citizens Savings Bank expanded to five locations with the purchase of our Jewett, Ohio office.  On March 15, 1999,  The Citizens Saving Bank opened a full service brokerage service. Continuing our growth program, The Community Bank received approval to relocate its headquarters to Lancaster, Ohio and will be opening a new main banking facility in the Lancaster business district and a full service banking center with drive thru on East Main Street in the fourth quarter of 1999.  On April 21, 1999 The Citizens State Bank of  Strasburg was merged into The Citizens Savings Bank, Martins Ferry expanding our customer service availability to ten locations in Belmont, Carroll, Tuscarawas and Harrison counties.  

To our shareholders, we say "Thank You" for investing your funds and your trust in our Company and its banks. To our customers, we say "Thank You" for using our services and we welcome your input in improving how we can better serve you. To our web browser's, we say "Thanks for stopping by." Come join us as we reach out to new heights. Our pledge is to continue earning your respect and your confidence. Our Directors, Management Team, and Staff are committed to making this happen.

Very truly yours,
UNITED BANCORP, INC.

Mission Statement 

James W. Everson, Chairman, President & Chief Executive Officer

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The Citizens Savings Bank / The Community Bank

Updated as of 12/1/2000