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): April 27, 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                  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:
            99.1  Union Bankshares, Inc. First Quarter Report to
                  shareholders mailed April 27, 2004

Item 12: Disclosure 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 April 27, 2004, Union Bankshares, Inc. mailed its First 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 first quarter
      ended, March 31 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.


April 27, 2004                         /s/ Marsha A. Mongeon
                                           ______________________________
                                           Marsha A. Mongeon, Chief Financial
                                           Officer


April 27, 2004                         /s/ Kenneth D. Gibbons
                                           ______________________________
                                           Kenneth D. Gibbons, President/Chief
                                           Executive Officer


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                                EXHIBIT INDEX

99.1  Union Bankshares, Inc., First Quarter Report to shareholders mailed
      April 27, 2004.