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, 2005

           (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, 2005, 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, 2005 and the declaration of a 
      regular quarterly dividend.  

Item 9.01: Financial Statements and Exhibits

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

      c)    Exhibit:
            99.1      Union Bankshares, Inc. Third Quarter Report to 
                      shareholders mailed October 26, 2005  


                                 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 27, 2005                       /s/ Marsha A. Mongeon
                                       ------------------------------------
                                       Marsha A. Mongeon, Chief Financial 
                                        Officer


October 27, 2005                       /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, 2005.