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): July 14, 2004

           (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                   001-15985               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. Press Release dated July
                           14, 2004, announcing a quarterly cash dividend
                           and second quarter 2004 earnings

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 it 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 July 14, 2004, Union Bankshares, Inc. issued a press release, 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 our second quarter ended, June 30, 2004 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.


July 14, 2004                          /s/ Kenneth D. Gibbons
                                       ______________________________
                                       Kenneth D. Gibbons, President

July 14, 2004                          Marsha A. Mongeon
                                       ______________________________
                                       Marsha A. Mongeon, Chief Financial
                                       Officer

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                                EXHIBIT INDEX

Exhibit 99.1   Union Bankshares, Inc. Press Release dated July 14, 2004,
               announcing a quarterly cash dividend and second quarter
               2004 earnings