<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Fujitsu Interstage XWand B0166_M01 -->
<xsd:schema targetNamespace="http://www.ubphila.com/20120930" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:upoh="http://www.ubphila.com/20120930" xmlns:us-types="http://fasb.org/us-types/2012-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:ref="http://www.xbrl.org/2004/ref" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:dei="http://xbrl.sec.gov/dei/2012-01-31" xmlns:us-roles="http://fasb.org/us-roles/2012-01-31" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:us-gaap="http://fasb.org/us-gaap/2012-01-31" xmlns:xlink="http://www.w3.org/1999/xlink">
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="upoh-20120930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="upoh-20120930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="upoh-20120930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="upoh-20120930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:roleType roleURI="http://www.ubphila.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000900 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/ConsolidatedBalanceSheetsUnaudited" id="ConsolidatedBalanceSheetsUnaudited">
        <link:definition>100100 - Statement - CONSOLIDATED BALANCE SHEETS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/ConsolidatedStatementsOfOperationsAndComprehensiveLossUnaudited" id="ConsolidatedStatementsOfOperationsAndComprehensiveLossUnaudited">
        <link:definition>100200 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/ConsolidatedBalanceSheetsParentheticalUnaudited" id="ConsolidatedBalanceSheetsParentheticalUnaudited">
        <link:definition>100101 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/ConsolidatedStatementsOfCashFlowsUnaudited" id="ConsolidatedStatementsOfCashFlowsUnaudited">
        <link:definition>100300 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/SignificantAccountingPolicies" id="SignificantAccountingPolicies">
        <link:definition>200100 - Disclosure - Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/NetLossPerShare" id="NetLossPerShare">
        <link:definition>200200 - Disclosure - Net Loss Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/NewAuthoritativeAccountingGuidance" id="NewAuthoritativeAccountingGuidance">
        <link:definition>200300 - Disclosure - New Authoritative Accounting Guidance</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/InvestmentSecurities" id="InvestmentSecurities">
        <link:definition>200400 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLosses" id="LoansAndAllowanceForLoanLosses">
        <link:definition>200500 - Disclosure - Loans and Allowance for Loan Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/OtherRealEstateOwned" id="OtherRealEstateOwned">
        <link:definition>200600 - Disclosure - Other Real Estate Owned</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValue" id="FairValue">
        <link:definition>200700 - Disclosure - Fair Value</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/Regulatory" id="Regulatory">
        <link:definition>200800 - Disclosure - Regulatory</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/SignificantAccountingPoliciesPolicy" id="SignificantAccountingPoliciesPolicy">
        <link:definition>400100 - Disclosure - Significant Accounting Policies (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/NetLossPerShareTables" id="NetLossPerShareTables">
        <link:definition>500200 - Disclosure - Net Loss Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/InvestmentSecuritiesTables" id="InvestmentSecuritiesTables">
        <link:definition>500400 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesTables" id="LoansAndAllowanceForLoanLossesTables">
        <link:definition>500500 - Disclosure - Loans and Allowance for Loan Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/OtherRealEstateOwnedTables" id="OtherRealEstateOwnedTables">
        <link:definition>500600 - Disclosure - Other Real Estate Owned (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValueTables" id="FairValueTables">
        <link:definition>500700 - Disclosure - Fair Value (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/NetLossPerShareDetails" id="NetLossPerShareDetails">
        <link:definition>600200 - Disclosure - Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/InvestmentSecuritiesSummaryOfCompanysInvestmentPortfolioDetails" id="InvestmentSecuritiesSummaryOfCompanysInvestmentPortfolioDetails">
        <link:definition>600400 - Disclosure - Investment Securities (Summary of Company's investment portfolio) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/InvestmentSecuritiesAmortizedCostAndFairValueOfDebtSecuritiesClassifiedAsAvailableForSaleAndHeldToMaturityByContractualMaturityDetails" id="InvestmentSecuritiesAmortizedCostAndFairValueOfDebtSecuritiesClassifiedAsAvailableForSaleAndHeldToMaturityByContractualMaturityDetails">
        <link:definition>600401 - Disclosure - Investment Securities (Amortized cost and fair value of debt securities classified as available-for-sale and held-to-maturity, by contractual maturity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/InvestmentSecuritiesSecuritiesInContinuousUnrealizedLossPositionDetails" id="InvestmentSecuritiesSecuritiesInContinuousUnrealizedLossPositionDetails">
        <link:definition>600402 - Disclosure - Investment Securities (Securities in continuous unrealized loss position) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesAnalysisOfAllowanceForLoanLossesDetails" id="LoansAndAllowanceForLoanLossesAnalysisOfAllowanceForLoanLossesDetails">
        <link:definition>600500 - Disclosure - Loans and Allowance for Loan Losses (Analysis of allowance for loan losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesAnalysisOfAllowanceForLoanLossesAdditionalInformationDetails" id="LoansAndAllowanceForLoanLossesAnalysisOfAllowanceForLoanLossesAdditionalInformationDetails">
        <link:definition>600501 - Disclosure - Loans and Allowance for Loan Losses (Analysis of allowance for loan losses - Additional information) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesAgeAnalysisOfPastDueLoansSegregatedByClassOfLoansDetails" id="LoansAndAllowanceForLoanLossesAgeAnalysisOfPastDueLoansSegregatedByClassOfLoansDetails">
        <link:definition>600502 - Disclosure -  Loans and Allowance for Loan Losses (Age analysis of past due loans, segregated by class of loans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesLoansByClassAccordingToCreditQualityIndictorsDetails" id="LoansAndAllowanceForLoanLossesLoansByClassAccordingToCreditQualityIndictorsDetails">
        <link:definition>600503 - Disclosure - Loans and Allowance for Loan Losses (Loans by class according to credit quality indicators) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesImpairedLoansDetails" id="LoansAndAllowanceForLoanLossesImpairedLoansDetails">
        <link:definition>600504 - Disclosure - Loans and Allowance for Loan Losses (Impaired loans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/LoansAndAllowanceForLoanLossesAdditionalInformationAboutImpairedLoansDetails" id="LoansAndAllowanceForLoanLossesAdditionalInformationAboutImpairedLoansDetails">
        <link:definition>600505 - Disclosure - Loans and Allowance for Loan Losses (Additional information about impaired loans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/OtherRealEstateOwnedDetails" id="OtherRealEstateOwnedDetails">
        <link:definition>600600 - Disclosure - Other Real Estate Owned (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValueAssetsMeasuredAtFairValueOnRecurringBasisDetails" id="FairValueAssetsMeasuredAtFairValueOnRecurringBasisDetails">
        <link:definition>600700 - Disclosure - Fair Value (Assets measured at fair value on recurring basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValueAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" id="FairValueAssetsMeasuredAtFairValueOnNonrecurringBasisDetails">
        <link:definition>600701 - Disclosure - Fair Value (Assets measured at fair value on nonrecurring basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValueFairValueOfAssetsAndLiabilitiesDetails" id="FairValueFairValueOfAssetsAndLiabilitiesDetails">
        <link:definition>600702 - Disclosure - Fair Value (Fair value of assets and liabilities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/FairValueTextualDetails" id="FairValueTextualDetails">
        <link:definition>600703 - Disclosure - Fair Value (Textual) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/AllowanceForLoanLossesTextualDetails" id="AllowanceForLoanLossesTextualDetails">
        <link:definition>600506 - Disclosure - Allowance for Loan Losses (Textual) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.ubphila.com/role/RegulatoryTextualDetails" id="RegulatoryTextualDetails">
        <link:definition>600800 - Disclosure - Regulatory (Textual) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://fasb.org/us-gaap/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xsd:element name="DocumentAndEntityInformationAbstract" id="upoh_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="FinancialReceivableCreditQualityIndicatorsAbstract" id="upoh_FinancialReceivableCreditQualityIndicatorsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="RegulatoryAbstract" id="upoh_RegulatoryAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="AssetReductionDescription" id="upoh_AssetReductionDescription" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="BasicAbstract" id="upoh_BasicAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="DilutedAbstract" id="upoh_DilutedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="NoninterestIncomeAtmActivityFees" id="upoh_NoninterestIncomeAtmActivityFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="LoanSyndicationFees" id="upoh_LoanSyndicationFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="LoanAndCollectionExpense" id="upoh_LoanAndCollectionExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element name="UnrealizedLossesGainsOnAvailableForSaleSecurities" id="upoh_UnrealizedLossesGainsOnAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="RegulatoryTextBlock" id="upoh_RegulatoryTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesTable" id="upoh_ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesLineItems" id="upoh_ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ConsumerRealEstateMember" id="upoh_ConsumerRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="TotalLoansAndLeasesReceivable" id="upoh_TotalLoansAndLeasesReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element name="SbaLoansMember" id="upoh_SbaLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="AssetBasedLoansMember" id="upoh_AssetBasedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="CommercialMortgagesMember" id="upoh_CommercialMortgagesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ReligiousOrganizationsMember" id="upoh_ReligiousOrganizationsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="HomeEquityLoansMember" id="upoh_HomeEquityLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="FamilyResidentialMortgageMember" id="upoh_FamilyResidentialMortgageMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ConsumerInstallmentMember" id="upoh_ConsumerInstallmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="StudentLoansMember" id="upoh_StudentLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="FinancingReceivableRecordedInvestmentThirtyToEightyNineDaysPastDue" id="upoh_FinancingReceivableRecordedInvestmentThirtyToEightyNineDaysPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element name="TotalRealEstateMember" id="upoh_TotalRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="GoodOrExcellentMember" id="upoh_GoodOrExcellentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="SatisfactoryMember" id="upoh_SatisfactoryMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="TotalCommercialLoansMember" id="upoh_TotalCommercialLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="TotalConsumerLoansMember" id="upoh_TotalConsumerLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ImpairedLoansMember" id="upoh_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="OtherRealEstateOwnedMember" id="upoh_OtherRealEstateOwnedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="FairValueTextualDetailsAbstract" id="upoh_FairValueTextualDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="SecuritiesAvailableForSalePortfolioPercentage" id="upoh_SecuritiesAvailableForSalePortfolioPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="AllowanceForLoanLossesTextualAbstract" id="upoh_AllowanceForLoanLossesTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="RegulatoryTextualAbstract" id="upoh_RegulatoryTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="PreferredStockDividendRate" id="upoh_PreferredStockDividendRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="MinimumProjectedGainsLossesOnSalesOfRealEstate" id="upoh_MinimumProjectedGainsLossesOnSalesOfRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element name="TransferToAssetHeldForSale" id="upoh_TransferToAssetHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element name="AssetsHeldForSalePolicyTextBlock" id="upoh_AssetsHeldForSalePolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>
