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 14, 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 14, 2005, Union Bankshares, Inc. issued a press release, a 
      copy of which is furnished with this Form 8-K as Exhibit 99.1, 
      announcing net income and net income per share for our third quarter 
      ended and year to date for September 30, 2005, as well as the 
      declaration of a regular quarterly cash dividend.

Item 8.01   Other Events

      On October 14, 2005 the Board of Directors of Union Bankshares, Inc. 
declared a quarterly cash dividend of $.26 per share which is $.02 higher 
than the previous quarter's dividend. The dividend is payable on October 
27, 2005 to shareholders of record on October 24, 2005.

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)    Exhibits
            Exhibit 99.1 Union Bankshares, Inc. Press Release dated October 
            14, 2005, announcing a regular quarterly dividend and third 
            quarter and year to date 2005 net income and net income per 
            share

                                 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 14, 2005                       /s/ Kenneth D. Gibbons
                                       ----------------------------------
                                       Kenneth D. Gibbons, President

October 14, 2005                       /s/ Marsha A. Mongeon
                                       ----------------------------------
                                       Marsha A. Mongeon, Chief Financial
                                       Officer

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                                EXHIBIT INDEX

Exhibit 99.1 Union Bankshares, Inc. Press Release dated October 14, 2005, 
announcing a regular quarterly cash dividend and third quarter and year to 
date 2005 net income and net income per share