UNITED STATES
                       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): July 21, 2003 (July 18, 2003)



                               UnionBancorp, Inc.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)



        Delaware                      0-28846                   36-3145350
----------------------------        -----------                -------------
(State or other jurisdiction        (Commission                (IRS Employer
of Incorporation)                   File Number)             Identification No.)



                     321 West Main Street, Ottawa, IL 61350
               ---------------------------------------------------
               (Address of principal executive offices) (Zip Code)

                                 (815) 431-2720
               ---------------------------------------------------
              (Registrant's telephone number, including area code)



Item 7.           Financial Statements and Exhibits.

                  (a) Exhibits.

                      Exhibit Number
                      --------------

                      99.1     Press Release, dated July 18, 2003
                               issued by UnionBancorp, Inc.

Item 9.           Regulation FD Disclosure (Information provided under Item 12 -
                  Results of Operations and Financial Condition).

                  The following information is being provided under Item 12 -
                  Results of Operations and Financial Condition. It is being
                  furnished under Item 9 of this Form 8-K in accordance with
                  interim guidance issued by the SEC in Release No. 33-8216.
                  Such information, including the Exhibit attached hereto, shall
                  not be deemed "filed" for purposes of Section 18 of the
                  Securities Exchange Act of 1934.

                  On July 18, 2003, UnionBancorp, Inc. issued a news release to
                  report its financial results for the quarter ended June 30,
                  2003. The release is furnished as Exhibit 99.1 hereto.

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                                   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.


                                       UNIONBANCORP, INC.



Dated:  July 18, 2003                  /s/ Charles J. Grako
                                       -----------------------------------------
                                       Charles J. Grako
                                       President and Principal Executive Officer



Dated:  July 18, 2003                  /s/ Kurt R. Stevenson
                                       -----------------------------------------
                                       Kurt R. Stevenson
                                       Vice President and Principal Financial
                                       and Accounting Officer


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                                  EXHIBIT INDEX

Exhibit Number
--------------

    99.1         Press Release, dated July 18, 2003 issued by UnionBancorp, Inc.

                                       4