<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>6
<FILENAME>k80647exv32w2.txt
<DESCRIPTION>SEC. 906 CERTIFICATION OF CHIEF FINANCIAL OFFICER
<TEXT>
<PAGE>
                              UNITED BANCORP, INC.
                                    EXHIBITS



                                                                    EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ENACTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of United Bancorp, Inc (the "Company")
on Form 10-Q for the period ending September 30, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Randall
M. Greenwood, Senior Vice President and Chief Financial Officer of the Company,
certify, pursuant to 18 U.S.C. ss. 1350, as enacted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, that:

         (3) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (4) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

Randall M. Greenwood,                                                 11/13/2003
Senior Vice President and Chief Financial Officer




                                                                              33

</TEXT>
</DOCUMENT>
