UNITED BANCORP INC /MI/
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<MULTIPLIER> 1,000
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          20,348
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     74,817
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        335,911
<ALLOWANCE>                                      3,968
<TOTAL-ASSETS>                                 450,356
<DEPOSITS>                                     385,574
<SHORT-TERM>                                     5,600
<LIABILITIES-OTHER>                              3,080
<LONG-TERM>                                     12,328
                                0
                                          0
<COMMON>                                        28,264
<OTHER-SE>                                      15,510
<TOTAL-LIABILITIES-AND-EQUITY>                 450,356
<INTEREST-LOAN>                                 21,402
<INTEREST-INVEST>                                3,353
<INTEREST-OTHER>                                     9
<INTEREST-TOTAL>                                24,764
<INTEREST-DEPOSIT>                              10,377
<INTEREST-EXPENSE>                              11,595
<INTEREST-INCOME-NET>                           13,169
<LOAN-LOSSES>                                      948
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                 11,963
<INCOME-PRETAX>                                  5,798
<INCOME-PRE-EXTRAORDINARY>                       4,180
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,180
<EPS-BASIC>                                       2.18
<EPS-DILUTED>                                     2.18
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                        921
<LOANS-PAST>                                       117
<LOANS-TROUBLED>                                   133
<LOANS-PROBLEM>                                    182
<ALLOWANCE-OPEN>                                 3,300
<CHARGE-OFFS>                                      332
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                                3,968
<ALLOWANCE-DOMESTIC>                             2,885
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,083


</TABLE>


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