Joseph R. Williams

United Bancorp, Inc. (Michigan) is a Michigan corporation, which serves as the holding company for United Bank & Trust. The company provides services through the bank's system seventeen banking offices, one trust office, one loan production office and twenty-one automated teller machines, located in Washtenaw, Lenawee, Livingston and Monroe Counties, Michigan. It has four business lines: The Bank offers a full range of services to individuals, corporations, fiduciaries and other institutions. Banking services include checking accounts, NOW accounts, savings accounts, time deposit accounts, money market deposit accounts, safe deposit facilities and money transfers. Lending operations provide real estate loans, secured and unsecured business and personal loans, consumer installment loans, credit card and check-credit loans, home equity loans, accounts receivable and inventory financing, and construction financing. It also offers customers a full array of conventional residential mortgage products, including purchase, refinance and construction loans. The company was founded on May 31, 1985 and is headquartered in Ann Arbor, MI

County National Bank operates as nationally chartered commercial bank. The company is headquartered in Hillsdale, MI.