Filed by The PNC Financial Services Group, Inc.
                Pursuant to Rule 425 under the Securities Act of 1933 and deemed
            filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934

                                       Subject Company:  United National Bancorp
                                                   Commission File No. 000-16931


The following is a letter sent from James E. Rohr, Chief Executive Officer of
The PNC Financial Services Group, Inc. to employees of United National Bancorp:


[Letterhead of James E. Rohr, Chief Executive Officer of The PNC Financial
Services Group, Inc.]

August 2003

Dear United National Employee:

All of us at The PNC Financial Services Group are delighted about the plans to
combine our organizations.

We admire the fine reputation you earned in your communities as a result of your
commitment to excellence in customer service. That fits well with PNC's business
philosophy and provides what I believe is a tremendous opportunity to make this
a very positive move for your customers and for the entire region.

Over the next several months, representatives of PNC will be working closely
with a team from United National to plan for our future. This spirit of
cooperation has enabled us to successfully complete many mergers. We have found
that by working together we can minimize disruptions during the transition and
maximize the benefits for the customer over the long term.

While we await various approvals, you may have questions about PNC. Enclosed are
some materials to familiarize you with our company.

We're excited about the opportunity we have to build on our strengths and create
greater success across our combined organization.

Sincerely,

/s/ Jim Rohr


PROXY STATEMENT/PROSPECTUS INFORMATION

The PNC Financial Services Group, Inc. and United National Bancorp will be
filing a proxy statement/ prospectus and other relevant documents concerning the
merger with the United States Securities and Exchange Commission (the "SEC"). WE
URGE INVESTORS TO READ THE PROXY STATEMENT/ PROSPECTUS AND ANY OTHER DOCUMENTS
TO BE FILED WITH THE SEC IN CONNECTION WITH THE MERGER OR INCORPORATED BY
REFERENCE IN THE PROXY STATEMENT/ PROSPECTUS, BECAUSE THEY WILL CONTAIN
IMPORTANT INFORMATION. Investors will be able to obtain these documents free of




charge at the SEC's web site (www.sec.gov). In addition, documents filed with
the SEC by The PNC Financial Services Group, Inc. will be available free of
charge from Shareholder Services at (800) 982-7652. Documents filed with the SEC
by United National Bancorp will be available free of charge from Shareholder
Relations at (908) 429-2406.

The directors, executive officers, and certain other members of management of
United National Bancorp may be soliciting proxies in favor of the merger from
its shareholders. For information about these directors, executive officers, and
members of management, shareholders are asked to refer to United National
Bancorp's most recent annual meeting proxy statement, which is available on
United National Bancorp's web site and at the addresses provided in the
preceding paragraph.