EMPLOYMENTCONTRACT

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                                  EXHIBIT 10.6
                               EMPLOYMENT CONTRACT

     THIS EMPLOYMENT CONTRACT ("Contract") made and effective this 1st day of
January, 2007, by and between Thomas C. Gannon ("Employee") and UNITED BANCORP,
INC., 205 E. Chicago Blvd., P.O. Box 248, Tecumseh, Michigan 49286 ("UBI").

                                    RECITALS

A.    UBI desires to continue to employ Employee.

B.    Employee desires to continue to be employed by UBI.

C.    There is continued activity by multi-bank holding companies in the
     acquisition of independent community banks, which often jeopardizes the
     continued employment of senior officers of the acquired bank, and UBI
     wishes to minimize the uncertainty and distraction caused by such activity,
     which would detract from Employee's ability to perform his/her duties, by
     providing Employee with some transition assistance if UBI is acquired or if
     there is a change in control or if Employee's employment is terminated in
     anticipation of such an acquisition, merger, change in control, or similar
     transaction.

     NOW, THEREFORE, UBI and Employee hereby enter into this Employment Contract
on the following terms and conditions:

1.    Employment. UBI hereby employs Employee, and Employee accepts this
     employment and agrees to devote his/her full-time attention and energies to
     the performance of his/her employment duties.

2.    Term of Contract. This Contract shall be for a term of one (1) year
     beginning January 1, 2007, unless terminated earlier pursuant to the
     provisions of paragraph 3 and/or 6.

3.    Payment Upon Termination in Certain Circumstances. If, other than for a
     Change in Control, as defined in paragraph 7, below, UBI shall terminate
     Employee's employment other than for "Cause," as defined in paragraph 6,
     below, or by mutual agreement, Employee shall continue to receive his/her
     regular salary (the salary in effect immediately prior to such termination)
      and benefits (except for group carve out life insurance) for a period of
     six (6) months. This continuation of salary and benefits shall immediately
     cease if Employee secures employment before the end of the six (6) month
     period.

4.    Duties. The duties, responsibilities and authority of Employee shall be as
     determined by UBI from time to time.

5.    Compensation. Employee's annual salary for calendar year 2007 shall be
     $105,500, unless adjusted pursuant to the following provisions:

     a.    It is contemplated that an annual bonus shall be paid. Employee will
          be a Group 4 Participant in the Target Incentive Compensation Plan.

     b.    Employee shall receive the standard employee benefits of employees of
          UBI.

     c.    Changes may be made to the salary and fringe benefits herein set forth
          and such changes shall be set forth in Attachment A. Changes to the
          salary and fringe benefits are effective only after Attachment A has
          been signed by the Chairman of the Board of UBI and by the Employee.

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6.    Termination for Cause. UBI may terminate this Contract for "Cause," such
     termination to be immediate, without notice, at any time, and with
     compensation and benefits only to the date of the termination of Employee.
     The term "Cause" shall include the following enumerated and substantially
     equivalent matters:

     a.    the death of Employee;

     b.    the disability of Employee rendering him/her unable to perform the
          services required under the Contract for a period of 180 days;

     c.    known substance abuse by Employee;

     d.    felony conviction or plea (including a plea of guilty, nolo contendere
          or similar plea) of Employee;

     e.    misdemeanor conviction or plea (including a plea of guilty, nolo
          contendere or similar plea) of Employee, if the misdemeanor involves
          moral turpitude;

     f.    Employee's repeated unprofessional, irresponsible or disruptive
           language or conduct in the performance of his duties;

     g.    Employee's dishonesty, breach of professional or corporate ethics, or
          criticism by a regulatory agency involving a serious violation of law
          or regulations;

     h.    Employee's substantial breach of any significant term of this
          Contract, including, but not limited to, continued unsatisfactory job
          performance, or repeated uncooperative conduct.

7.    Suspension. UBI may suspend the employment of Employee resulting in the
     cessation of the performance of duties and the cessation of all
     compensation and benefits, in accordance with the following provisions:

     a.    If criminal charges as described in subparagraph 6.d. and e. are made
           against Employee, then UBI, acting in its discretion, may suspend
          Employee for any period of time, provided that the suspension shall
          end if such charges do not result in a conviction of a plea (of guilty
          or nolo contendere, etc.) of either the original charge(s) or any
          lessor charge(s).

     b.    If a regulatory agency criticizes Employee for regulatory violations
          as set forth in paragraph 6.g. above, UBI shall have the discretion to
          suspend Employee for any period of time, provided that if the alleged
          violations are resolved in the Employee's favor, the suspension shall
          end.

     The discretion invested in UBI as set forth in this paragraph 7, shall be
     exercised by the Chairman of its Board of Directors.

8.    Failure to Meet Goals and Objectives. In the event of Employee's repeated
     failure to meet goals and objectives which are established by the Board of
     Directors of UBI from time to time, Employee's employment may be terminated
     immediately, without notice, at any time, provided that Employee shall
     continue to receive his/her regular salary and benefits for a period of six
     (6) months in accordance with the provisions of paragraph 3, above.

9.    Employee Responsibilities Following Termination. Termination of this
     Contract shall not relieve Employee of his/her responsibilities to complete
     any records, cooperate with UBI on any litigation, audits, regulatory
     reviews, claims or investigations, and otherwise to fulfill all
     responsibilities under this Contract which should have been rendered prior
     to its termination.

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10.   Change in Control. For purposes of this Contract, a Change in Control of
     UBI shall be deemed to have occurred if:

     a.    there shall be consummated (i) any consolidation or merger of UBI in
          which UBI is not the continuing or surviving corporation or pursuant
          to which shares of UBI's common stock would be converted into cash,
          securities or other property, other than a merger of UBI in which the
          holders of UBI's common stock immediately prior to the merger have the
          same proportionate ownership of common stock of the surviving
          corporation immediately after the merger or (ii) any sale, lease,
          exchange or other transfer (in one transaction or a series of related
          transactions) of all, or substantially all, of the assets of UBI; or

     b.    the stockholders of UBI approved any plan or proposal for the
          liquidation or dissolution of UBI; or

     c.    except for any Employee Stock Ownership Plan of UBI or its affiliates,
          any person (as such term is used in Section 14(d)(2) of the Securities
          Exchange Act of 1934, as amended (the "Exchange Act")), shall become
          the beneficial owner (within the meaning of Rule 13d-3 under the
          Exchange Act) of twenty-five percent (25%) or more of UBI's
          outstanding common stock.

11.   Provisions Applicable in the Event of a Change in Control. If within twelve
     (12) months following the effective date of a Change in Control, Employee's
     e