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<SEC-DOCUMENT>0000910647-05-000278.txt : 20051014
<SEC-HEADER>0000910647-05-000278.hdr.sgml : 20051014
<ACCEPTANCE-DATETIME>20051014155530
ACCESSION NUMBER:		0000910647-05-000278
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20051014
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20051014
DATE AS OF CHANGE:		20051014

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNION BANKSHARES INC
		CENTRAL INDEX KEY:			0000706863
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				030283552
		STATE OF INCORPORATION:			VT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15985
		FILM NUMBER:		051138959

	BUSINESS ADDRESS:	
		STREET 1:		20 MAIN STREET
		STREET 2:		P O BOX 667
		CITY:			MORRISVILLE
		STATE:			VT
		ZIP:			05661-0667
		BUSINESS PHONE:		8028886600

	MAIL ADDRESS:	
		STREET 1:		20 MAIN STREET
		STREET 2:		P O BOX 667
		CITY:			MORRISVILLE
		STATE:			VT
		ZIP:			05661-0667
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>uni-8k8.txt
<DESCRIPTION>BODY OF FORM 8-K
<TEXT>

                     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): October 14, 2005

           (Exact name of registrant as specified in its charter)

                           UNION BANKSHARES, INC.

(State or other jurisdiction      (Commission       (IRS Employer
of incorporation)                 File Number)      Identification Number)
Vermont                           001-15985         03-0283552

(Address of principal executive offices)
20 Main St., P.O. Box 667                           (Zip Code)
Morrisville, VT                                     05661-0667

Registrant's telephone number, including area code: (802) 888-6600

        (Former name or former address, if changed since last report)
                               Not applicable

Check the appropriate box below if the Form 8-K is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions:

[ ]   Written communications pursuant to Rule 425 under the Securities Act
      (17 CFR 230.425)

[ ]   Soliciting materials pursuant to Rule 14a-12 under the Exchange Act
      (17 CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))


<PAGE>


Item 2.02:  Results of Operations and Financial Condition

      As provided in General Instruction B.2 to Form 8-K, the information
furnished in this Item 2.02 and in Exhibit 99.1 hereto shall not be deemed
filed for purposes of Section 18 of the Securities and Exchange Act of
1934, as amended, nor shall it be deemed incorporated by reference in any
filing with the Securities and Exchange Commission, except as shall be
expressly provided by specific reference in such filing.

      On October 14, 2005, Union Bankshares, Inc. issued a press release, a
      copy of which is furnished with this Form 8-K as Exhibit 99.1,
      announcing net income and net income per share for our third quarter
      ended and year to date for September 30, 2005, as well as the
      declaration of a regular quarterly cash dividend.

Item 8.01   Other Events

      On October 14, 2005 the Board of Directors of Union Bankshares, Inc.
declared a quarterly cash dividend of $.26 per share which is $.02 higher
than the previous quarter's dividend. The dividend is payable on October
27, 2005 to shareholders of record on October 24, 2005.

Item 9.01.  Financial Statements and Exhibits

      The following Exhibit, referred to in Item 2.02 of the Report is
furnished, not filed; herewith:

      c)    Exhibits
            Exhibit 99.1 Union Bankshares, Inc. Press Release dated October
            14, 2005, announcing a regular quarterly dividend and third
            quarter and year to date 2005 net income and net income per
            share

                                 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.



                                       Union Bankshares, Inc.


October 14, 2005                       /s/ Kenneth D. Gibbons
                                       ----------------------------------
                                       Kenneth D. Gibbons, President

October 14, 2005                       /s/ Marsha A. Mongeon
                                       ----------------------------------
                                       Marsha A. Mongeon, Chief Financial
                                       Officer

- ---------------------------------------------------------------------------

                                EXHIBIT INDEX

Exhibit 99.1 Union Bankshares, Inc. Press Release dated October 14, 2005,
announcing a regular quarterly cash dividend and third quarter and year to
date 2005 net income and net income per share


<PAGE>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>uni8-99.txt
<DESCRIPTION>EXHIBIT 99.1
<TEXT>

                                                               Exhibit 99.1

Union Bankshares [LOGO]


                            FOR IMMEDIATE RELEASE

              Union Bankshares Announces Third Quarter Earnings
                       and Quarterly Dividend Payment

Morrisville, VT October 14, 2005 - Union Bankshares, Inc. (AMEX - UNB)
today announced net income for the quarter ended September 30, 2005 was
$1.494 million or $.33 per share compared to $1.499 million or $.33 per
share for the same period in 2004. September 30, 2005 year to date results
were net income of $4.322 million or $.95 per share compared to previous
year results of $4.078 million or $.90 per share for September 30, 2004.
Total loans have grown $12.3 million or 4.3% to $297.0 million at September
30, 2005 from September 30, 2004. Deposits have grown $9.2 million or 3.0%
over the same period.

A quarterly dividend of $.26 per share was declared on October 14, 2005 to
shareholders of record October 24, 2005, payable October 27, 2005. This is
an increase of $.02 per share over the previous regular dividend paid in
July.

Union, with headquarters in Morrisville, Vermont is the bank holding
company parent of Union Bank, which offers deposit, loan, trust and
commercial banking services throughout northern Vermont. As of September
30, 2005, the Company had approximately $377 million in consolidated assets
and operated 12 banking offices, 30 ATM facilities in Vermont and loan
origination offices in St. Albans, Vermont and Littleton, New Hampshire.


Statements made in this press release that are not historical facts are
forward-looking statements. Investors are cautioned that all forward-
looking statements necessarily involve risks and uncertainties, and many
factors could cause actual results and events to differ materially from
those contemplated in the forward-looking statements. When we use any of
the words "believes," "expects," "anticipates" or similar expressions, we
are making forward-looking statements. The following factors, among others,
could cause actual results and events to differ from those contemplated in
the forward-looking statements: uncertainties associated with general
economic conditions; changes in the interest rate environment; inflation;
political, legislative or regulatory developments; acts of war or
terrorism; the markets' acceptance of and demand for the Company's products
and services; technological changes, including the impact of the internet
on the Company's business and on the financial services market place
generally; the impact of competitive products and pricing; and dependence
on third party suppliers. For further information, please refer to the
Company's reports filed with the Securities and Exchange Commission at
www.sec.gov.


<PAGE>

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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