SECURITIES AND EXCHANGE COMMISSION

                           Washington, D.C. 20549

                                  FORM 8-K

                               CURRENT REPORT

  Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 28, 2003

           (Exact name of registrant as specified in its charter)

                           UNION BANKSHARES, INC.

(State or other jurisdiction       (Commission           (IRS Employer
of incorporation)                  File Number)      Identification Number)
Vermont                            000-28449               03-0283552

(Address of principal executive offices)
20 Main St., P.O. Box 667              (Zip Code)
Morrisville, VT                        05661-0667

Registrant's telephone number, including area code: (802) 888-6600

        (Former name or former address, if changed since last report)

                               Not applicable





Item 7. Financial Statements and Exhibits.

The following Exhibit, referred to in Item 12 of the Report is furnished,
not filed; herewith:

      (c)   Exhibits
            Exhibit 99.1 Union Bankshares, Inc. Third Quarter Report to
            Shareholders

Item 12: Disclosure of Results of Operations and Financial Condition

      As provided in General Instruction B.6 to Form 8-K, the information
furnished in this Item 12 and in Exhibit 99.1 hereto shall not be deemed
filed for purposes of Section 18 of the Securities and Exchange Act of
1934, as amended, nor shall they be deemed incorporated by reference in any
filing with the Securities and Exchange Commission, except as shall be
expressly provided by specific reference in such filing.

      On October 28, 2003, Union Bankshares, Inc. mailed its Third Quarter
      Report to Shareholders, a copy of which is furnished with this Form
      8-K as Exhibit 99.1, announcing information concerning our results of
      operations and financial condition for the three and nine months
      ended, September 30, 2003 and the declaration of a dividend.


                                 SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                       Union Bankshares, Inc.


October 31, 2003                       /s/ Kenneth D. Gibbons
                                       ----------------------------------
                                       Kenneth D. Gibbons, President

October 31, 2003                       /s/ Marsha A. Mongeon
                                       ----------------------------------
                                       Marsha A. Mongeon, Chief Financial
                                       Officer


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                                EXHIBIT INDEX

Exhibit 99.1 Union Bankshares, Inc. Third Quarter Report to Shareholders