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 26, 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

Check the appropriate box below if the Form 8-K is intended to 
simultaneously satisfy the filing obligation of the registrant under any of 
the following provisions:

[ ]   Written communications pursuant to Rule 425 under the Securities Act 
      (17 CFR 230.425)

[ ]   Soliciting materials pursuant to Rule 14a-12 under the Exchange Act 
      (17 CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the 
      Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the 
      Exchange Act (17 CFR 240.13e-4(c))


  


Item 2.02: Results of Operations and Financial Condition

      As provided in General Instruction B.2 to Form 8-K, the information 
furnished in this Item 2.02 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 October 26, 2004, Union Bankshares, Inc. mailed its Third Quarter 
      unaudited report to shareholders, a copy of which is furnished with this 
      Form 8-K as Exhibit 99.1, presenting information concerning our results 
      of operations and financial condition for our year to date and third 
      quarter ended, September 30, 2004 and the declaration of a dividend.

Item 7.01: Regulation FD Disclosure

The following Exhibit, referred to in Item 2.02 of the Report is furnished, 
not filed; herewith:

      c)    Exhibits:
            99.1  Union Bankshares, Inc. Third Quarter Report to
                  shareholders mailed October 26, 2004


                                 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 26, 2004                  /s/ Marsha A. Mongeon
                                  -----------------------------------
                                  Marsha A. Mongeon, Chief Financial
                                  Officer


October 26, 2004                  /s/ Kenneth D. Gibbons
                                  -----------------------------------
                                  Kenneth D. Gibbons, President/Chief
                                  Executive Officer


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                                EXHIBIT INDEX

99.1  Union Bankshares, Inc., Third Quarter Report to shareholders mailed 
      October 26, 2004.