CUSIP NO.

905400 10 7

1.

Name of Reporting Person:

Susan F. Hovey Mercia

2.

Check the Appropriate Box if a Member of a Group

(a)    [  ]

(b)    [  ]

3.

SEC Use Only

4.

Citizenship or Place of Organization:

United States Citizen

Number of Shares Beneficially Owned by Each Reporting Person with:

5.

Sole Voting Power:

    1,897

6.

Shared Voting Power:

775,442

7.

Sole Dispositive Power:

    1,897

8.

Shared Dispositive Power:

775,442

9.

Aggregate Amount Beneficially Owned by Each Reporting

Person:

777,339

10.

Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares:

[  ]

11.

Percent of Class Represented by Amount in Row (9):

17.4%

12.

Type of Reporting Person:

IN

Item 1(a)

Name of Issuer:

Union Bankshares, Inc.

Item 1(b)

Address of Issuer’s Principal Executive Offices:

20 Main Street
PO Box 667
Morrisville, VT 05661-0667

Item 2(a)

Name of Person Filing:

Susan F. Hovey Mercia

Item 2(b)

Address of Principal Business Office, or if none, Residence:

Residence Address:
924 Pond Road
PO Box 357
Hinesburg, VT 05461-9183

Item 2(c)

Citizenship:

United States

Item 2(d)

Title of Class of Securities:

Common Stock, $2.00 par value

Item 2(e)

CUSIP Number:

905400 10 7

Item 3.

Not applicable

Item 4.

Ownership

(a) Amount beneficially owned: 777,339.

Ms. Hovey owns 1,897 shares of Union Bankshares, Inc. (“Union”) common stock in her sole name. In addition, she serves as trustee or co-trustee of various family trusts that hold shares of Union Bankshares, Inc. common stock as follows:

Genevieve L. Hovey Trust:

422,908

(trustee and beneficiary as to one-half of the trust corpus*)

Susan Hovey Trust:

173,625

(co-trustee and beneficiary)

Franklin G. Hovey, II Trust:

173,626

(co-trustee*)

S. H. Mercia Trust:

5,283

(settlor, beneficiary and co-trustee)

* Ms. Hovey does not have a pecuniary interest in (i) 211,454 of the 422,908 shares held by the Genevieve L. Hovey Trust (of which she became sole trustee upon the death of her brother, Franklin G. Hovey, II, on September 20, 2010) or (ii) any of the 173,626 shares held by the Franklin G. Hovey, II Trust (of which she became co-trustee upon her brother’s death) and she hereby disclaims beneficial ownership of such shares.

(b) Percent of Class:    17.4%

(c) Number of shares as to which the person has:

(i) Sole power to vote or to direct the vote: 1,897

(ii) Shared power to vote or to direct the vote:    775,442

(iii) Sole power to dispose or to direct the disposition of:    1,897

(iv) Shared power to dispose or to direct the disposition of:    775,442

Item 5.

Ownership of Five Percent or

Less of a Class

Not applicable

Item 6.

Ownership of More than Five Percent on Behalf of Another Person

See response to Item 4.

Item 7.

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company

Not applicable

Item 8.

Identification and Classification of Members of the Group

Not applicable

Item 9.

Notice of Dissolution of Group

Not applicable

Item 10.

Certification

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.