SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

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                                    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):
                                  July 19, 2002
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                             United Bankshares, Inc.
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             (Exact name of registrant as specified in its charter)


         West Virginia                  No. 0-13322               55-0641179
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(State or other jurisdiction of   (Commission File Number)    (I.R.S. Employer
 incorporation or organization)                              Identification No.)


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


                                 (304) 424-8800
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              (Registrant's telephone number, including area code)


                                 Not Applicable
                                 --------------
             (Former name or address, if changed since last report)



Item 5.  Other Events

     On July 19, 2002 United Bankshares, Inc. ("United") announced its earnings
for the second quarter and first half of 2002. A copy of the press release is
attached as Exhibit 99.1 to this report. Additionally, United provided
supplemental financial information for analysts and other interested investors,
which is attached as Exhibit 99.2 to this report.

Item 7.  Financial Statements and Exhibits

     (c)  Exhibits

          99.1   Press Release, dated July 19, 2002, issued by United
                 Bankshares, Inc.

          99.2   Unaudited Supplemental Financial Information



                                   SIGNATURES
                                   ----------

     Pursuant to the requirements of the Securities and Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                              UNITED BANKSHARES, INC.


Date:  July 19, 2002                          By:  /s/ Steven E. Wilson
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                                               Steven E. Wilson, Executive Vice
                                               President, Treasurer, Secretary
                                               and Chief Financial Officer