<CENTER>
<TABLE cellSpacing=0 width=900 border=0>

  <TR vAlign=top>
    <TD vAlign=top colSpan=2 rowSpan=3>
      <CENTER><FONT face="Arial, Helvetica, sans-serif" size=5><B>Form
      4</B></FONT></CENTER></TD>
    <TD width=580 rowSpan=4>
      <CENTER>
      <P><B><FONT face="Arial, Helvetica, sans-serif" size=2>UNITED STATES
      SECURITIES AND EXCHANGE COMMISSION<BR>Washington, DC
      20549<BR></FONT></B></P>
      <P><B><FONT face="Arial, Helvetica, sans-serif" size=2>STATEMENT OF
      CHANGES IN BENEFICIAL OWNERSHIP<BR><BR><FONT size=1>Filed pursuant to
      Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the
      Public Utility Holding Company Act of 1935 or Section 30(f) of the
      Investment Company Act of 1940</FONT></FONT></B> </P></CENTER></TD>
    <TD width=145>
      <CENTER><FONT face="Arial, Helvetica, sans-serif" size=1>OMB
      APPROVAL</FONT></CENTER></TD></TR>
  <TR>
    <TD width=145><FONT face="Arial, Helvetica, sans-serif" size=1>OMB Number:
      3235-0287</FONT></TD></TR>
  <TR>
    <TD width=145><FONT face="Arial, Helvetica, sans-serif" size=1>Expires:
      January 31, 2005</FONT></TD></TR>
  <TR>
    <TD vAlign=top width=23><FONT face="Arial, Helvetica, sans-serif"
      size=1>[&nbsp;]</FONT></TD>
    <TD vAlign=top width=144 height=51><FONT
      face="Arial, Helvetica, sans-serif" size=1>Check box if no longer subject
      to Section 16. Form 4 or Form 5 obligations may continue. See instructions
      1(b).<BR></FONT></TD>
    <TD vAlign=top width=145><FONT face="Arial, Helvetica, sans-serif"
      size=1>Estimated average burden<BR>hours per response. . . 0.5
    <BR></FONT></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=5 width=900 border=1>

  <TR>
    <TD vAlign=top width=293 height=44><FONT
      face="Arial, Helvetica, sans-serif" size=1>1. Name and Address of
      Reporting Person*</FONT><p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <b>Globus,&nbsp;&nbsp;&nbsp;Kenneth&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    H</b></TD>
    <TD vAlign=top colSpan=2 height=44><FONT
      face="Arial, Helvetica, sans-serif" size=1>2. Issuer Name and Ticker or
      Trading Symbol<BR><B>Talk America Holdings,
      Inc.&nbsp;&nbsp;&nbsp;(TALK)</B></FONT><p>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <b>United-Guardian, Inc.</b><b>&nbsp;&nbsp;&nbsp;(UG)</b></TD>
    <TD vAlign=top width=262 rowSpan=2>
      <P><FONT face="Arial, Helvetica, sans-serif" size=1>6. Relationship of
      Reporting Person(s) to Issuer<BR>(Check all applicable)<BR><b>_</b><u>X</u><b>_</b>
      Director
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;_<u>X</u>_
      10% Owner<BR>_<u>X</u>_ Officer (give
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ___
      Other
      (specify<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      title
      below)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      below)<BR></FONT>
      <P><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      </font>President<CENTER><FONT face="Arial, Helvetica, sans-serif" size=1><B></B></FONT>
      <HR width=150 noShade>
      </CENTER></TD></TR>
  <TR>
    <TD vAlign=top width=293 height=71>
      <p align="left"><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Last)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      (First)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Middle)<BR>
      <br>
      </FONT>


      <b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      c/o&nbsp; United-Guardian, Inc.<br>
      </b>

      <b>&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      230 Marcus Blvd&nbsp;&nbsp;&nbsp;&nbsp;<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      &nbsp;P.O. Box 18050</b></TD>
    <TD vAlign=top width=112 rowSpan=2><FONT
      face="Arial, Helvetica, sans-serif" size=1>3. I.R.S. Identification Number
      of Reporting Person, if an entity<BR>(voluntary) <BR><BR><B></B></FONT></TD>
    <TD vAlign=top width=183 height=71><FONT
      face="Arial, Helvetica, sans-serif" size=1>4. Statement for
      Month/Year<BR><BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>
    <b>&nbsp;&nbsp; August,
    2002</b></TD></TR>
  <TR>
    <TD vAlign=top width=293>
      <CENTER><FONT face="Arial, Helvetica, sans-serif" size=1>(Street)
      <BR></FONT></CENTER><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      </font><b>Hauppauge,&nbsp;&nbsp; New York&nbsp;&nbsp;&nbsp; 11788</b></TD>
    <TD vAlign=top width=183><FONT face="Arial, Helvetica, sans-serif"
      size=1>5. If Amendment, Date of Original (Month/Year)<BR><B></B></FONT></TD>
    <TD vAlign=top width=262><FONT face="Arial, Helvetica, sans-serif"
      size=1>7. Individual or Joint/Group Filing<BR>(Check Applicable
      Line)<BR><u>_X_</u> Form filed by One Reporting Person<BR>___ Form filed
      by More than One Reporting Person</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=middle width=293 height=38><FONT
      face="Arial, Helvetica, sans-serif"
      size=1>(City)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      (State)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;
      (Zip)</FONT></TD>
    <TD vAlign=center align=middle colSpan=3 height=38><FONT
      face="Arial, Helvetica, sans-serif" size=2><B>Table I
      -&nbsp;Non-Derivative Securities Acquired, Disposed of, or Beneficially
      Owned</B></FONT></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=5 width=900 border=1>

  <TR vAlign=top>
    <TD width=289 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>1. Title of Security<BR>(Instr. 3) </FONT></TD>
    <TD width=26 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>2.
      Transaction Date<BR>(Month/Day/Year) </FONT></TD>
    <TD colSpan=2 height=32><FONT face="Arial, Helvetica, sans-serif"
      size=1>3. Transaction<BR>Code<BR>(Instr. 8)</FONT></TD>
    <TD colSpan=3 height=32><FONT face="Arial, Helvetica, sans-serif"
      size=1>4. Securities Acquired (A) or Disposed of (D)<BR>(Instr. 3, 4 and
      5) </FONT></TD>
    <TD width=81 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>5.
      Amount of Securities Beneficially Owned at End of Month<BR>(Instr. 3 and
      4) </FONT></TD>
    <TD width=54 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>6.
      Owner-<BR>ship Form:<BR>Direct (D) or Indirect (I)<BR>(Instr. 4)</FONT></TD>
    <TD width=102 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>7. Nature of Indirect Beneficial Ownership<BR>(Instr. 4)
  </FONT></TD></TR>
  <TR>
    <TD vAlign=center align=middle width=28><FONT
      face="Arial, Helvetica, sans-serif" size=1>Code</FONT></TD>
    <TD vAlign=center align=middle width=24><FONT
      face="Arial, Helvetica, sans-serif" size=1>V</FONT></TD>
    <TD align=middle width=87><FONT face="Arial, Helvetica, sans-serif"
      size=1>Amount</FONT></TD>
    <TD align=middle width=16><FONT face="Arial, Helvetica, sans-serif"
      size=1>(A)<BR>or<BR>(D)</FONT></TD>
    <TD align=middle width=71><FONT face="Arial, Helvetica, sans-serif"
      size=1>Price</FONT></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>08/14/2002</B></FONT></TD>
    <TD width=28 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp; G</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    4,8</font></b><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>00</B></FONT></TD>
    <TD width=16 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;A</B></FONT></TD>
    <TD width=71 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    N/A</font></b></TD>
    <TD width=81 height=27><font face="Arial, Helvetica, sans-serif" size="1">
    <b>&nbsp;&nbsp;&nbsp; 490,853</b></font></TD>
    <TD width=54 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; D</B></FONT></TD>
    <TD width=102 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>08/14/2002</B></FONT></TD>
    <TD width=28 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp; G</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    4,8</font></b><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>00</B></FONT></TD>
    <TD width=16 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;A</B></FONT></TD>
    <TD width=71 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    N/A</font></b></TD>
    <TD width=81 height=27><font face="Arial, Helvetica, sans-serif" size="1">
    <b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    34,800</b></font></TD>
    <TD width=54 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    I</font></b></TD>
    <TD width=102 height=27>

    <FONT face="Arial, Helvetica, sans-serif"
      size=1><B>By wife</B></FONT><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>08/14/2002</B></FONT></TD>
    <TD width=28 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp; G</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    4,8</font></b><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>00</B></FONT></TD>
    <TD width=16 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;A</B></FONT></TD>
    <TD width=71 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    N/A</font></b></TD>
    <TD width=81 height=27><font face="Arial, Helvetica, sans-serif" size="1">
    <b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    34,800</b></font></TD>
    <TD width=54 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I</B></FONT></TD>
    <TD width=102 height=27><font face="Arial" size="1">Trustee for Julie Globus</font></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>08/14/2002</B></FONT></TD>
    <TD width=28 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp; G</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    4,8</font></b><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>00</B></FONT></TD>
    <TD width=16 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;A</B></FONT></TD>
    <TD width=71 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    N/A</font></b></TD>
    <TD width=81 height=27><font face="Arial, Helvetica, sans-serif" size="1">
    <b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    34,800</b></font></TD>
    <TD width=54 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I</B></FONT></TD>
    <TD width=102 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT><font face="Arial" size="1">Trustee
    for Lisa Globus</font></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>08/14/2002</B></FONT></TD>
    <TD width=28 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp; G</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    4,8</font></b><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>00</B></FONT></TD>
    <TD width=16 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;A</B></FONT></TD>
    <TD width=71 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    N/A</font></b></TD>
    <TD width=81 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34,800</B></FONT></TD>
    <TD width=54 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I</B></FONT></TD>
    <TD width=102 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT><font face="Arial" size="1">Trustee
    for Lisa Goldberg</font></TD></TR>
  <TR>
    <TD width=289 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1>Common Stock</FONT></TD>
    <TD width=26 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    --</font></b></TD>
    <TD width=28 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp; --</font></b></TD>
    <TD width=24 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;</B></FONT></TD>
    <TD width=87 height=27>

    <b><font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    ---</font></b></TD>
    <TD width=16 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp; --</font></b></TD>
    <TD width=71 height=27><b>
    <font face="Arial, Helvetica, sans-serif" size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    --</font></b></TD>
    <TD width=81 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,000</B></FONT></TD>
    <TD width=54 height=27><FONT face="Arial, Helvetica, sans-serif"
      size=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I</B></FONT></TD>
    <TD width=102 height=27><font face="Arial" size="1">

    Trustee for Ilana Goldberg</font></TD></TR>
  <TR>
    <TD width=289 height=27>&nbsp;</TD>
    <TD width=26 height=27>&nbsp;</TD>
    <TD width=28 height=27>&nbsp;</TD>
    <TD width=24 height=27>&nbsp;</TD>
    <TD width=87 height=27>&nbsp;</TD>
    <TD width=16 height=27>&nbsp;</TD>
    <TD width=71 height=27>&nbsp;</TD>
    <TD width=81 height=27>&nbsp;</TD>
    <TD width=54 height=27>&nbsp;</TD>
    <TD width=102 height=27>&nbsp;</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=900 border=0>

  <TR>
    <TD align=left colSpan=3><FONT face="Arial, Helvetica, sans-serif"
      size=1>Reminder: Report on a separate line for each class of securities
      beneficially owned directly or indirectly.<BR>* If the form is filed by
      more than one reporting person, see Instructions 4(b)(v).</FONT> </TD></TR>
  <TR>
    <TD align=left width=400><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT><BR></TD>
    <TD align=left width=400><FONT face="Arial, Helvetica, sans-serif"
      size=1>Potential persons who are to respond to the collection of
      information contained in this form are not required to respond unless the
      form displays a currently valid OMB control number.</FONT><BR></TD>
    <TD align=right width=100><FONT face="Arial, Helvetica, sans-serif"
      size=1>(Over)<BR>SEC 1474 (3-99)</FONT> </TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=5 width=900 border=0>

  <TR>
    <TD vAlign=top align=left width=150><FONT
      face="Arial, Helvetica, sans-serif" size=2><B>FORM 4
      (continued)</B></FONT><BR></TD>
    <TD vAlign=top align=middle width=600><FONT
      face="Arial, Helvetica, sans-serif" size=2><B>Table II - Derivative
      Securities Acquired, Disposed of, or Beneficially Owned<BR>(e.g., puts,
      calls, warrants, options, convertible securities)</B></FONT> </TD>
    <TD vAlign=top align=left width=150><FONT
      face="Arial, Helvetica, sans-serif" size=2>&nbsp;</FONT>
</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=5 width=900 border=1>

  <TR vAlign=top>
    <TD width=125 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>1.Title of Derivative Security<BR>(Instr.3)</FONT></TD>
    <TD width=44 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>2.
      Conversion or<BR>Exercise<BR>Price of<BR>Derivative<BR>Security</FONT></TD>
    <TD width=31 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>3.
      Transaction<BR>Date<BR>(Month/<BR>Day/<BR>Year)</FONT></TD>
    <TD colSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>4.
      Transaction Code<BR>(Instr. 8)</FONT></TD>
    <TD colSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>5. Number
      of Derivative<BR>Securities<BR>Acquired (A) or Disposed of (D)<BR>(Instr.
      3, 4 and 5)<BR></FONT></TD>
    <TD colSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>6. Date
      Exercisable<BR>and Expiration Date<BR>(Month/Day/Year)</FONT></TD>
    <TD colSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>7. Title
      and Amount of<BR>Underlying Securities<BR>(Instr. 3 and 4)</FONT></TD>
    <TD width=44 rowSpan=2><FONT face="Arial, Helvetica, sans-serif" size=1>8.
      Price of<BR>Derivative<BR>Security<BR>(Instr. 5)</FONT></TD>
    <TD width=49 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>9.Number of<BR>Derivative<BR>Securities<BR>Beneficially<BR>Owned
      at<BR>End of<BR>Month<BR>(Instr. 4)</FONT></TD>
    <TD width=44 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>10. Ownership<BR>Form of<BR>Derivative<BR>Security:<BR>Direct (D)
      or Indirect (I)<BR>(Instr. 4)</FONT></TD>
    <TD width=70 rowSpan=2><FONT face="Arial, Helvetica, sans-serif"
      size=1>11. Nature of<BR>Indirect<BR>Beneficial<BR>Ownership<BR>(Instr.
      4)</FONT></TD></TR>
  <TR>
    <TD width=24><FONT face="Arial, Helvetica, sans-serif"
    size=1>Code</FONT></TD>
    <TD width=17><FONT face="Arial, Helvetica, sans-serif" size=1>V</FONT></TD>
    <TD align=middle width=42><FONT face="Arial, Helvetica, sans-serif"
      size=1>(A)</FONT></TD>
    <TD align=middle width=44><FONT face="Arial, Helvetica, sans-serif"
      size=1>(D)</FONT></TD>
    <TD align=middle width=51><FONT face="Arial, Helvetica, sans-serif"
      size=1>Date<BR>Exercisable</FONT></TD>
    <TD align=middle width=42><FONT face="Arial, Helvetica, sans-serif"
      size=1>Expiration<BR>Date</FONT></TD>
    <TD align=middle width=58><FONT face="Arial, Helvetica, sans-serif"
      size=1>Title</FONT></TD>
    <TD width=33><FONT face="Arial, Helvetica, sans-serif"
      size=1>Amount<BR>or<BR>Number<BR>of Shares</FONT></TD></TR>
  <TR>
    <TD width=125 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=44 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=31 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=42 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=44 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=51 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=42 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=58 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=33 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=44 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=49 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=44 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD>
    <TD width=70 height=10><FONT face="Arial, Helvetica, sans-serif"
      size=1>&nbsp;</FONT></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=900 border=0>

  <TR>
    <TD align=left><FONT face="Arial, Helvetica, sans-serif"
      size=1>Explanation of Responses:<BR><BR><B>(1)The reporting person
      disclaims beneficial ownership of these securities, and this report shall
      not be deemed an admission that the reporting person is the beneficial
      owner of the securities for purposes of Section 16 or for any other
      purpose.</B></FONT><BR><BR></TD></TR></TABLE>
<TABLE cellPadding=5 width=900 border=0>

  <TR>
    <TD vAlign=top align=right width=23><FONT
      face="Arial, Helvetica, sans-serif" size=1>**</FONT></TD>
    <TD vAlign=top width=483><FONT face="Arial, Helvetica, sans-serif"
      size=1>Intentional misstatements or omissions of facts constitute Federal
      Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).</FONT></TD>
    <TD vAlign=top align=left width=314><FONT
      face="Arial, Helvetica, sans-serif" size=1><B>/s/&nbsp;Kenneth H. Globus</B></FONT><HR width=314 noShade>
      <FONT face="Arial, Helvetica, sans-serif" size=1>**Signature of Reporting
      Person</FONT> </TD>
    <TD vAlign=top align=middle width=80><FONT
      face="Arial, Helvetica, sans-serif" size=1><B>08/15/2002</B>&nbsp; </FONT>
      <HR width=80 noShade>
      <FONT face="Arial, Helvetica, sans-serif" size=1>Date</FONT> </TD></TR>
  <TR vAlign=top>
    <TD align=right width=23><FONT face="Arial, Helvetica, sans-serif"
      size=1>Note:</FONT></TD>
    <TD colSpan=3><FONT face="Arial, Helvetica, sans-serif" size=1>File three
      copies of this Form, one of which must be manually signed.<BR>If space is
      insufficient, see Instruction 6 for
procedure.<BR><BR></FONT></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=900 border=0>

  <TR>
    <TD vAlign=top align=left width=700><FONT
      face="Arial, Helvetica, sans-serif" size=1>Potential persons who are to
      respond to the collection of information contained in this form are
      not<BR>required to respond unless the form displays a currently valid OMB
      Number.</FONT> </TD>
    <TD vAlign=top align=right width=200><FONT
      face="Arial, Helvetica, sans-serif" size=1>Page 2</FONT>
</TD></TR></TABLE></CENTER></BODY></HTML>
[{"type": "4", "sequence": "1", "filename": "form_4-khg.htm", "description": "FORM 4 FOR KENNETH H. GLOBUS", "secsgml_size_bytes": 24611}]
Form
      4
UNITED STATES
      SECURITIES AND EXCHANGE COMMISSION
Washington, DC
      20549
STATEMENT OF
      CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to
      Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the
      Public Utility Holding Company Act of 1935 or Section 30(f) of the
      Investment Company Act of 1940
OMB
      APPROVAL
OMB Number:
      3235-0287
Expires:
      January 31, 2005
[ ]
Check box if no longer subject
      to Section 16. Form 4 or Form 5 obligations may continue. See instructions
      1(b).
Estimated average burden
hours per response. . . 0.5
1. Name and Address of
      Reporting Person*
Globus,   Kenneth      
    H
2. Issuer Name and Ticker or
      Trading Symbol
Talk America Holdings,
      Inc.   (TALK)
United-Guardian, Inc.
(UG)
6. Relationship of
      Reporting Person(s) to Issuer
(Check all applicable)
_
X
_
Director
                         _
X
_
      10% Owner
_
X
_ Officer (give
                  ___
      Other
      (specify
title
      below)                    
      below)
President
(Last)             
      (First)            (Middle)
c/o  United-Guardian, Inc.
230 Marcus Blvd
P.O. Box 18050
3. I.R.S. Identification Number
      of Reporting Person, if an entity
(voluntary)
4. Statement for
      Month/Year
August,
    2002
(Street)
Hauppauge,   New York    11788
5. If Amendment, Date of Original (Month/Year)
7. Individual or Joint/Group Filing
(Check Applicable
      Line)
_X_
Form filed by One Reporting Person
___ Form filed
      by More than One Reporting Person
(City)                  
      (State)               
      (Zip)
Table I
      - Non-Derivative Securities Acquired, Disposed of, or Beneficially
      Owned
1. Title of Security
(Instr. 3)
2.
      Transaction Date
(Month/Day/Year)
3. Transaction
Code
(Instr. 8)
4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and
      5)
5.
      Amount of Securities Beneficially Owned at End of Month
(Instr. 3 and
      4)
6.
      Owner-
ship Form:
Direct (D) or Indirect (I)
(Instr. 4)
7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code
V
Amount
(A)
or
(D)
Price
Common Stock
08/14/2002
G
4,8
00
A
N/A
490,853
D
Common Stock
08/14/2002
G
4,8
00
A
N/A
34,800
I
By wife
Common Stock
08/14/2002
G
4,8
00
A
N/A
34,800
I
Trustee for Julie Globus
Common Stock
08/14/2002
G
4,8
00
A
N/A
34,800
I
Trustee
    for Lisa Globus
Common Stock
08/14/2002
G
4,8
00
A
N/A
34,800
I
Trustee
    for Lisa Goldberg
Common Stock
--
--
---
--
--
30,000
I
Trustee for Ilana Goldberg
Reminder: Report on a separate line for each class of securities
      beneficially owned directly or indirectly.
* If the form is filed by
      more than one reporting person, see Instructions 4(b)(v).
Potential persons who are to respond to the collection of
      information contained in this form are not required to respond unless the
      form displays a currently valid OMB control number.
(Over)
SEC 1474 (3-99)
FORM 4
      (continued)
Table II - Derivative
      Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts,
      calls, warrants, options, convertible securities)
1.Title of Derivative Security
(Instr.3)
2.
      Conversion or
Exercise
Price of
Derivative
Security
3.
      Transaction
Date
(Month/
Day/
Year)
4.
      Transaction Code
(Instr. 8)
5. Number
      of Derivative
Securities
Acquired (A) or Disposed of (D)
(Instr.
      3, 4 and 5)
6. Date
      Exercisable
and Expiration Date
(Month/Day/Year)
7. Title
      and Amount of
Underlying Securities
(Instr. 3 and 4)
8.
      Price of
Derivative
Security
(Instr. 5)
9.Number of
Derivative
Securities
Beneficially
Owned
      at
End of
Month
(Instr. 4)
10. Ownership
Form of
Derivative
Security:
Direct (D)
      or Indirect (I)
(Instr. 4)
11. Nature of
Indirect
Beneficial
Ownership
(Instr.
      4)
Code
V
(A)
(D)
Date
Exercisable
Expiration
Date
Title
Amount
or
Number
of Shares
Explanation of Responses:
(1)The reporting person
      disclaims beneficial ownership of these securities, and this report shall
      not be deemed an admission that the reporting person is the beneficial
      owner of the securities for purposes of Section 16 or for any other
      purpose.
**
Intentional misstatements or omissions of facts constitute Federal
      Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
/s/ Kenneth H. Globus
**Signature of Reporting
      Person
08/15/2002
Date
Note:
File three
      copies of this Form, one of which must be manually signed.
If space is
      insufficient, see Instruction 6 for
procedure.
Potential persons who are to
      respond to the collection of information contained in this form are
      not
required to respond unless the form displays a currently valid OMB
      Number.
Page 2