X0201 4/A 2003-11-05 2003-11-07 0 0000707805 USB HOLDING CO INC UBH 0001044857 RUDERMAN HOWARD V 6 ASPEN COURT POMONA NY 10970 1 0 0 0 Common Stock 2003-11-05 4 M 0 22599 11.36 A 897657.80 D Common Stock 92297.00 I By Spouse Stock Option (Right to Buy) 11.36 2003-11-05 4 M 0 22599 0 D 1998-05-14 2007-05-15 Common Stock 22599.00 0.00 D Stock Option (Right to Buy) 15.55 1999-05-20 2008-05-21 Common Stock 22599.00 22599.00 D Stock Option (Right to Buy) 11.75 2000-05-20 2009-05-21 Common Stock 22599.00 22599.00 D Stock Option (Right to Buy) 10.39 2001-05-15 2010-05-16 Common Stock 22599.00 22599.00 D Stock Option (Right to Buy) 12.11 2002-05-17 2011-05-18 Common Stock 22599.00 22599.00 D Stock Option (Right to Buy) 14.95 2003-05-23 2012-05-24 Common Stock 22599.00 22599.00 D Stock Option (Right to Buy) 15.80 2004-05-21 2013-05-22 Common Stock 22599.00 22599.00 D The reporting person aquired 3,245 shares of U.S.B. Holding Co., Inc. common stock as a result of a 5% stock dividend payable to stockholders on Sept. 26, 2003. The reporting person's aquired 1,237 shares through the U.S.B. Holding Co., Inc. Employee Stock Ownership Plan (with 401(k) Provisions) for the third quarter, allocated in November. This option was previously reported as 21,523 shares at $11.93, but was adjusted for the dividend. This option was previously reported as 21,523 shares at 16.33, but was adjusted for the dividend. This option was previously reported as 21,523 shares at $12.34, but was adjusted for the dividend. This option was previously reported as 21,523 shares at $10.91, but was adjusted for the dividend. This option was previously reported as 21,523 shares @ $12.72, but was adjusted for the dividend. This option was previously reported as 21,523 shares at $15.70, but was adjusted for the dividend. This option was previously reported as 21,523 shares at $16.59, but was adjusted for the dividend. By: Catherine Martini, Power of Attorney 2003-11-07 By: Catherine Martini, Power of Attorney 2003-11-07