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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 OulTf9JZ1uRpd26lxFiof+xQ6wqB427lT8gl3boESoEayeX0afwSWeSBOuSRGX5Q
 8FewBms2VX/d7Kjm9HTztA==

<SEC-DOCUMENT>0001140361-08-008318.txt : 20080401
<SEC-HEADER>0001140361-08-008318.hdr.sgml : 20080401
<ACCEPTANCE-DATETIME>20080401160756
ACCESSION NUMBER:		0001140361-08-008318
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080401
FILED AS OF DATE:		20080401
DATE AS OF CHANGE:		20080401

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITED WESTERN BANCORP INC
		CENTRAL INDEX KEY:			0000944725
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				841233716
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		700 17TH STREET
		STREET 2:		SUITE 2100
		CITY:			DENVER
		STATE:			CO
		ZIP:			80202
		BUSINESS PHONE:		3035959898

	MAIL ADDRESS:	
		STREET 1:		700 17TH STREET
		STREET 2:		SUITE 2100
		CITY:			DENVER
		STATE:			CO
		ZIP:			80202

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MATRIX BANCORP INC
		DATE OF NAME CHANGE:	19990105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MATRIX CAPITAL CORP /CO/
		DATE OF NAME CHANGE:	19960711

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BULLOCK JAMES DR
		CENTRAL INDEX KEY:			0001247167

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21231
		FILM NUMBER:		08729510

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		(575) 522-7095

	MAIL ADDRESS:	
		STREET 1:		2436 EL DORADO COURT
		CITY:			LAS CRUCES
		STATE:			NM
		ZIP:			88011-4970
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-04-01</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000944725</issuerCik>
        <issuerName>UNITED WESTERN BANCORP INC</issuerName>
        <issuerTradingSymbol>UWBK</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001247167</rptOwnerCik>
            <rptOwnerName>BULLOCK JAMES DR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2436 EL DORADO COURT</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>LAS CRUCES</rptOwnerCity>
            <rptOwnerState>NM</rptOwnerState>
            <rptOwnerZipCode>88011-4970</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-04-01</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>436</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>17.90</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3793</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">Shares granted as part of the independent director's annual retainer and issued pursuant to the 2007 Equity Incentive Plan.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Dr. James H. Bullock</signatureName>
        <signatureDate>2008-04-01</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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