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)     April 24, 2003
                                                 -------------------------------
                              UNITED BANCORP, INC.
--------------------------------------------------------------------------------
                         (Name of Issuer in its charter)


         Ohio                         0-16540               34-1405357
--------------------------------------------------------------------------------
(State or Other Jurisdiction of   (Commission File Number)  (I.R.S. Employer
   Incorporation)                                            Identification No.)


         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 7. FINANCIAL STATEMENTS AND EXHIBITS.

(c)  EXHIBITS.

     The following exhibits are furnished herewith:

     EXHIBIT NO.                    DESCRIPTION OF EXHIBIT

     99           Press Release dated April 24, 2003 with respect to the
                  Registrant's financial results for the first quarter ended
                  March 31, 2003



ITEM 9. INFORMATION FURNISHED UNDER ITEM 12
        RESULTS OF OPERATIONS AND FINANCIAL CONDITION


The information included in this section is intended to be included under "Item
12. Disclosure of Results of Operations and Financial Condition" and is included
under this Item 9 in accordance with SEC Release No. 33-8216.

On April 24, 2003, the Registrant announced financial results for the first
quarter ended March 31, 2003, reporting earnings of $802,525. A copy of the
press release announcing the Registrant's results for the first quarter ended
March 31, 2003 is attached hereto as Exhibit 99 and incorporated by reference
herein.


                                    SIGNATURE

     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 authorized.

     Dated: April 24, 2003

                                                 United Bancorp, Inc.


                                        By:      /s/ Randall M. Greenwood
                                                 -------------------------------
                                                 Randall M. Greenwood
                                                 Chief Financial Officer
















                                  EXHIBIT INDEX


     EXHIBIT NO.                 DESCRIPTION OF EXHIBIT

     99             Press Release dated April 24, 2003 with respect to the
                    Registrant's financial results for the first quarter ended
                    March 31, 2003