West Virginia		55-0641179
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

300 United Center 500 Virginia Street, East Charleston, West Virginia		25301
(Address of Principal Executive Offices)		Zip Code

		Page
PART I.    FINANCIAL INFORMATION
Item 1.    Financial Statements
Consolidated Balance Sheets (Unaudited) June 30, 2002 and December 31, 2001		6
Consolidated Statements of Income (Unaudited) for the Three and Six Months Ended June 30, 2002 and 2001		7
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited) for the Six Months Ended June 30, 2002		8
Condensed Consolidated Statements of Cash Flows (Unaudited) for the Six Months Ended June 30, 2002 and 2001		9
Notes to Consolidated Financial Statements		10
Information required by Item 303 of Regulation S-K
Item 2.     Management’s Discussion and Analysis of Financial Condition and Results of Operations		24
Item 3.     Quantitative and Qualitative Disclosures about Market Risk		29
PART II.    OTHER INFORMATION
Item 1.    Legal Proceedings		Not Applicable
Item 2.    Changes in Securities		Not Applicable
Item 3.    Defaults Upon Senior Securities		Not Applicable

		Page
Item 4.     Submission of Matters to a Vote of Security Holders		35
Item 5.    Other Information		Not Applicable
Item 6.    Exhibits and Reports on Form 8-K
(a)  Exhibits required by Item 601 of Regulation S-K
None
(b)  Reports on Form 8-K
On July 19, 2002, United Bankshares, Inc. filed a Current Report under Items 5 and 7 to report the results of operations for the second quarter and first half of 2002.

						UNITED BANKSHARES, INC. (Registrant)
Date August 13, 2002						By:		/s/    RICHARD M. ADAMS
								Richard M. Adams, Chairman of the Board and Chief Executive Officer
Date August 13, 2002						By:		/s/    STEVEN E. WILSON
								Steven E. Wilson, Executive Vice President, Treasurer, Secretary and Chief Financial Officer

		June 30, 2002				December 31, 2001
		(Unaudited)				(Note 1)
(Dollars in thousands, except par value)
Assets
Cash and due from banks		$	151,809			$	156,058
Interest-bearing deposits with other banks			8,216				1,536
Total cash and cash equivalents			160,025				157,594
Securities available for sale at estimated fair value (amortized cost-$1,114,598 at June 30, 2002 and $1,133,715 at December 31, 2001)			1,138,842				1,147,280
Securities held to maturity (estimated fair value-$271,539 at June 30, 2002 and $280,865 at December 31, 2001)			273,270				281,436
Loans held for sale			284,230				368,625
Loans			3,593,281				3,505,385
Less: Unearned income			(2,976	)			(3,051	)
Loans net of unearned income			3,590,305				3,502,334
Less: Allowance for loan losses			(47,746	)			(47,408	)
Net loans			3,542,559				3,454,926
Bank premises and equipment			47,709				48,394
Goodwill			91,925				80,848
Accrued interest receivable			28,676				32,012
Other assets			57,894				60,660
TOTAL ASSETS		$	5,625,130			$	5,631,775
Liabilities
Domestic deposits:
Noninterest-bearing		$	687,229			$	653,785
Interest-bearing			3,128,082				3,134,008
Total deposits			3,815,311				3,787,793
Borrowings:
Federal funds purchased			73,908				43,831
Securities sold under agreements to repurchase			443,426				477,796
Federal Home Loan Bank borrowings			680,646				736,455
Mandatorily redeemable capital securities of subsidiary trust			8,868				8,800
Other borrowings			8,934				5,501
Accrued expenses and other liabilities			60,854				65,070
TOTAL LIABILITIES			5,091,947				5,125,246
Shareholders’ equity
Common stock, $2.50 par value; Authorized-100,000,000 shares; issued-43,381,769 at June 30, 2002 and December 31, 2001, including 821,341 and 455,258 shares in treasury at June 30, 2002 and December 31, 2001, respectively			108,454				108,454
Surplus			90,867				84,122
Retained earnings			344,934				320,577
Accumulated other comprehensive income			11,624				4,351
Treasury stock, at cost			(22,696	)			(10,975	)
TOTAL SHAREHOLDERS’ EQUITY			533,183				506,529
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY		$	5,625,130			$	5,631,775

		Three Months Ended June 30								Six Months Ended June 30
		2002				2001				2002				2001
(Dollars in thousands, except per share data)
Interest income
Interest and fees on loans		$	63,891			$	69,166			$	127,680			$	140,308
Interest on federal funds sold and other short-term investments			83				247				445				494
Interest and dividends on securities:
Taxable			18,339				19,251				36,976				37,232
Tax-exempt			2,425				3,032				4,875				5,659
Total interest income			84,738				91,696				169,976				183,693
Interest expense
Interest on deposits			20,276				30,964				42,075				64,114
Interest on short-term borrowings			2,405				3,531				4,765				7,347
Interest on long-term borrowings			10,641				10,972				21,072				21,783
Total interest expense			33,322				45,467				67,912				93,244
Net interest income			51,416				46,229				102,064				90,449
Provision for loan losses			1,675				2,143				3,902				4,642
Net interest income after provision for loan losses			49,741				44,086				98,162				85,807
Other income
Income from mortgage banking operations			7,148				6,469				13,598				11,694
Service charges, commissions, and fees			7,833				6,647				14,988				12,664
Income from fiduciary activities			2,115				2,194				4,389				4,209
Security losses			(289	)			(718	)			(593	)			(576	)
Other income			463				304				825				850
Total other income			17,270				14,896				33,207				28,841
Other expense
Salaries and employee benefits			19,158				15,446				36,772				29,929
Net occupancy expense			3,421				2,683				6,060				5,341
Other expense			12,250				11,324				24,027				21,179
Total other expense			34,829				29,453				66,859		</