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UBOH > SEC Filings for UBOH > Form 10-K on 20-Mar-2009All Recent SEC Filings

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Form 10-K for UNITED BANCSHARES INC/OH

20-Mar-2009

Annual Report


Item 7.

Management's Discussion and Analysis of Financial Condition and Results of Operations

The information required herein is incorporated by reference from page 4 through
15 ("Management's Discussion and Analysis") of United Bancshares' Annual Report to Shareholders for 2008 ("Annual Report"), which is included herein as Exhibit 13.

Item 7A.

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