<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from United
Bancshares, Inc. and subsidiary consolidated balance sheet at December 31, 1999
and the consolidated income statement for the year ended December 31, 1999 for
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           4,066
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,075
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,067
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         13,919
<ALLOWANCE>                                      1,207
<TOTAL-ASSETS>                                 166,963
<DEPOSITS>                                     141,278
<SHORT-TERM>                                     8,275
<LIABILITIES-OTHER>                                914
<LONG-TERM>                                      6,647
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,199
<OTHER-SE>                                       8,650
<TOTAL-LIABILITIES-AND-EQUITY>                 166,963
<INTEREST-LOAN>                                 10,225
<INTEREST-INVEST>                                1,591
<INTEREST-OTHER>                                    42
<INTEREST-TOTAL>                                11,858
<INTEREST-DEPOSIT>                               5,844
<INTEREST-EXPENSE>                               6,214
<INTEREST-INCOME-NET>                            5,644
<LOAN-LOSSES>                                      284
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  4,468
<INCOME-PRETAX>                                  1,698
<INCOME-PRE-EXTRAORDINARY>                       1,698
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,336
<EPS-BASIC>                                       1.12
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    4.65
<LOANS-NON>                                        348
<LOANS-PAST>                                       898
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,198
<CHARGE-OFFS>                                    (372)
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                1,207
<ALLOWANCE-DOMESTIC>                             1,207
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>