EXHIBIT 99.1
 Certificate pursuant to 31 C.F.R. Section 30.15 as adopted under TARP Standards for
Compensation and Corporate Governance
March 30, 2010
  (i)
    
    The compensation committee of United Bancorporation of Alabama, Inc. has discussed,
reviewed, and evaluated with senior risk officers at least every six months during the
period beginning on the later of the closing date of the agreement between the TARP
recipient and Treasury or June 15, 2009 and ending with the last day of the TARP
recipients fiscal year containing that date, the senior executive officer (SEO)
compensation plans and employee compensation plans and the risks these plans pose to
United Bancorporation of Alabama, Inc.;(ii)
    
    The compensation committee of United Bancorporation of Alabama, Inc. has identified
and limited during the beginning on the later of the closing date of the agreement between
the TARP recipient and Treasury or June 15, 2009 and ending with the last day of the TARP
recipients fiscal year containing that date, the features in the SEO compensation plans
that could lead SEOs to take unnecessary and excessive risks that could threaten the value
of United Bancorporation of Alabama, Inc. and identified any features in the employee
compensation plans that pose risks to United Bancorporation of Alabama, Inc. and limited
those features to ensure that United Bancorporation of Alabama, Inc. is not unnecessarily
exposed to risks;(iii)
    
    The compensation committee has reviewed at least every six months during the period
beginning on the later of the closing date of the agreement between the TARP recipient and
Treasury or June 15, 2009 and ending with the last day of the TARP recipients fiscal year
containing that date, the terms of each employee compensation plan and identified the
features in the plan that could encourage the manipulation of reported earnings of United
Bancorporation of Alabama, Inc. to enhance the compensation of an employee and limited
those features;(iv)
    
    The compensation committee of United Bancorporation of Alabama, Inc. will certify to
the reviews of the SEO compensation plans and employee compensation plans required under
(i) and (iii) above;(v)
    
    The compensation committee of United Bancorporation of Alabama, Inc. will provide a
narrative description of how it limited during any part of the most recently completed
fiscal year that included a TARP period the features in
 a.
    
    SEO compensation plans that could lead SEOs to take unnecessary and
excessive risks that could threaten the value of United Bancorporation of Alabama,
Inc.;b.
    
    Employee compensation plans that unnecessarily expose United
Bancorporation of Alabama, Inc. to risks; and




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c.
    
    Employee compensation plans that could encourage the manipulation of
reported earnings of United Bancorporation of Alabama, Inc. to enhance the
compensation of an employee;
 (vi)
    
    United Bancorporation of Alabama, Inc. has required that bonus payments, as defined
in the regulations and guidance established under section 111 of EESA (bonus payments), of
the SEOs and twenty most highly compensated employees be subject to a recovery or
clawback provision during any part of the most recently completed fiscal year that was a
TARP period if the bonus payments were based on materially inaccurate financial statements
or any other materially inaccurate performance metric criteria;(vii)
    
    United Bancorporation of Alabama, Inc. has prohibited any golden parachute, as
defined in the regulations and guidance established under section 111 of EESA, to an SEO
or any of the five most highly compensated employees during the period beginning on the
later of the closing date of the agreement between the TARP recipient and Treasury or June
15, 2009 and ending with the last day of the TARP recipients fiscal year containing that
date;(viii)
    
    United Bancorporation of Alabama, Inc. has limited bonus payments to its applicable
employees in accordance with section 111 of EESA and the regulations and guidance
established thereunder during the period beginning on the later of the closing date of the
agreement between the TARP recipient and Treasury or June 15, 2009 and ending with last
day of the TARP recipients fiscal year containing that date;(ix)
    
    The board of directors of United Bancorporation of Alabama, Inc. has established an
excessive or luxury expenditures policy, as defined in the regulations and guidance
established under section 111 of EESA, has provided this policy to Treasury and its
primary regulatory agency, and United Bancorporation of Alabama, Inc. and its employees
have complied with this policy during the period beginning on the later of the closing
date of the agreement between the TARP recipient and Treasury or June 15, 2009 and ending
with the last day of the TARP recipients fiscal year containing that date, and that any
expenses requiring approval of the board of directors, an SEO, or an executive officer
with a similar title or level of responsibility were properly approved;(x)
    
    United Bancorporation of Alabama, Inc. will permit a non-binding shareholder
resolution in compliance with any applicable Federal securities rules and regulations on
the disclosures provided under the Federal securities law related to SEO compensation paid
or accrued during the period beginning on the later of the closing date of the agreement
between the TARP recipient and Treasury or June 15, 2009 and ending with the last day of
the TARP recipients fiscal year containing that date of any perquisites, as defined in
the regulations and guidance established under section 111 of EESA, whose total value
exceeds $25,000 for each employee subject to the bonus payment limitations identified in
paragraph (vii);(xi)
    
    United Bancorporation of Alabama, Inc. will disclose where the amount, nature, and
justifications for the offering during the period beginning on the later of the closing
date of the agreement between the TARP recipient and




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Treasury or June 15, 2009 and ending with the last day of the TARP recipients fiscal
year containing that date of any perquisites, as defined in the regulations and
guidance established under section 111 of EESA, whose total value exceeds $25,000 for
each employee subject to the bonus payment limitations identified in paragraph (vii);(xii)
    
    United Bancorporation of Alabama, Inc. will disclose whether United Bancorporation
of Alabama, Inc., the board of directors of United Bancorporation of Alabama, Inc., or the
compensation committee of United Bancorporation of Alabama, Inc. has engaged during the
period beginning on the later of the closing date of the agreement between the TARP
recipient and Treasury or June 15, 2009 and ending with the last day of the TARP
recipients fiscal year containing that date, a compensation consultant; and the services
the compensation consultant or any affiliate of the compensation consultant provided
during this period;(xiii)
    
    United Bancorporation of Alabama, Inc. has prohibited the payment of any gross-ups, as
defined in the regulations and guidance established under section 111 of EESA, to the SEOs
and the twenty most highly compensated employees during the period beginning on the later
of the closing date of the agreement between the TARP recipient and Treasury or June 15,
2009 and ending with the last day of the TARP recipients fiscal year containing that
date;(xiv)
    
    United Bancorporation of Alabama, Inc. has substantially complied with all other
requirements related to employee compensation that are provided in the agreement between
United Bancorporation of Alabama, Inc. and Treasury, including any amendments;(xv)
    
    United Bancorporation of Alabama, Inc. has submitted to Treasury a complete and
accurate list of the SEOs and the twenty most highly compensated employees for the current
fiscal year and the most recently completed fiscal year, with the non-SEOs ranked in
descending order of level of annual compensation, and with the name, title, and employer
of each SEO and most highly compensated employee identified; and(xvi)
    
    I understand that a knowing and willful false or fraudulent statement made in
connection with this certification may be punished by fine, imprisonment, or both.
 /s/ Robert R. Jones, III

Robert R. Jones, III, President and CEOMarch 30, 2010