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 16, 2000
(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 000-28449 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
Item 5: Other Events
1) On October 14th we mailed our internal, unaudited Third Quarter
Report to our shareholders, the Federal Reserve Bank of Boston, and
various brokerage houses.
The Company may from time to time make written or oral statements that are
considered "forward-looking statements: within the meaning of the Private
Securities Litigation Reform Act of 1995. Forward-looking statements may
include financial projections, statements of plans and objectives for
future operations, estimates of future economic performance and assumptions
relating thereto. The Company may include forward-looking statements in its
filings with the Securities and Exchange Commission, in its reports to
stockholders, including this quarterly report, in other written materials,
and in statements made by senior management to analysts, rating agencies,
institutional investors, representatives of the media and others.
By their very nature, forward-looking statements are subject to
uncertainties, both general and specific, and risk exists that predictions,
forecasts, projections and other estimates contained in forward-looking
statements will not be achieved. Also when we use any of the words
"believes," "expects," "anticipates" or similar expressions, we are making
forward-looking statements. Many possible events or factors could affect
the future financial results and performance of our company. This could
cause results or performance to differ materially from those expressed in
our forward-looking statements. The possible events or factors that might
affect our forward-looking statements include, but are not limited to, the
following:
* Uses of monetary, fiscal and tax policy by various governments
* Political, legislative or regulatory developments in Vermont or the
United States including changes in laws concerning taxes, banking and
other aspects of the financial services industry
* Developments in general economic or business conditions, including
interest rate fluctuations, market fluctuations and perceptions, and
inflation
* Changes in the competitive environment for financial services
organizations
* The company's ability to retain key personnel
* Changes in technology including demands for greater automation
* Timely, efficient integration of Citizens Savings Bank & Trust Co.'s
operations and systems.
a) Exhibits. The following exhibits are filed herewith as part of
this report:
99.1 Union Bankshares, Inc., Third Quarter Report dated as of
October 17, 2000
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 16, 2000
-----------------------------
Kenneth D. Gibbons, President
October 16, 2000
-----------------------------
Marsha A. Mongeon,
Chief Financial Officer
EXHIBIT INDEX
99.1 Union Bankshares, Inc., Third Quarter Report dated as of
October 17, 2000
