Item 1.01 Entry into a Material Definitive Agreement The Company forms Sharia'a compliant banking subsidiary. 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. Date: January 13, 2006 University Bancorp, Inc. /s/ Stephen Lange Ranzini -------------------------------- Stephen Lange Ranzini