<PAGE>
                SECURITIES AND EXCHANGE COMMISSION

                     WASHINGTON, D.C.  20549



                             FORM 8-K


                          CURRENT REPORT

                 Pursuant to Section 13 or 15 (d)
              of the Securities Exchange Act of 1934



Date of Report (Date of Earliest Event Reported)    June 11, 1998         
                                                    -------------               

                   JACKSONVILLE BANCORP, INC.
                   --------------------------                                  
                                      
        TEXAS                      0-28070             75-2632781
----------------------------------------------------------------------------   
(State of Incorporation)      (Commission File)         (IRS No.)



COMMERCE AND NECHES STREET              JACKSONVILLE, TEXAS      75766
----------------------------------------------------------------------------
(Address of Principal Executive Offices)                       (Zip Code)



                               (903) 586-9861       
----------------------------------------------------------------------------
               (Registrant's Telephone Number, Including Area Code)
                                                                               
                                            

                                NOT APPLICABLE
----------------------------------------------------------------------------   
           (Former Name or Former Address, if changed since last report)
<PAGE>


          Item 5.   Other Events

          Item 7.   Financial Statements, Pro Forma Financial Information and
                    Exhibits

                    (a)  Not applicable

                    (b)  Not applicable

                    (c)  Exhibits:

               (99) Press Release, dated June 11, 1998
<PAGE>


                           SIGNATURES

     Pursuant to the requirements of the Securities and Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                   Jacksonville Bancorp, Inc.



Date:    06/11/98               By:  /s/ Jerry Chancellor                   
         --------                    --------------------                   
                                        Jerry Chancellor
                                        President
<PAGE>
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{"company-data": {"conformed-name": "JACKSONVILLE BANCORP INC", "cik": "0001005507", "assigned-sic": "6036", "irs-number": "752632781", "state-of-incorporation": "TX", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-28070", "film-number": "98649227"}, "business-address": {"street1": "P O BOX 401", "street2": "COMMERCE & NECHES ST", "city": "JACKSONVILLE", "state": "TX", "zip": "75766", "phone": "9035869861"}}
SECURITIES AND EXCHANGE COMMISSION

                     WASHINGTON, D.C.  20549

                             FORM 8-K

                          CURRENT REPORT

                 Pursuant to Section 13 or 15 (d)
              of the Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported)    June 11, 1998         
                                                    -------------               

                   JACKSONVILLE BANCORP, INC.
                   --------------------------                                  
                                      
        TEXAS                      0-28070             75-2632781
----------------------------------------------------------------------------   
(State of Incorporation)      (Commission File)         (IRS No.)

COMMERCE AND NECHES STREET              JACKSONVILLE, TEXAS      75766
----------------------------------------------------------------------------
(Address of Principal Executive Offices)                       (Zip Code)

                               (903) 586-9861       
----------------------------------------------------------------------------
               (Registrant's Telephone Number, Including Area Code)
                                                                               
                                            

                                NOT APPLICABLE
----------------------------------------------------------------------------   
           (Former Name or Former Address, if changed since last report)
Item 5.   Other Events

          Item 7.   Financial Statements, Pro Forma Financial Information and
                    Exhibits

                    (a)  Not applicable

                    (b)  Not applicable

                    (c)  Exhibits:

               (99) Press Release, dated June 11, 1998
SIGNATURES

     Pursuant to the requirements of the Securities and Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                   Jacksonville Bancorp, Inc.

Date:    06/11/98               By:  /s/ Jerry Chancellor                   
         --------                    --------------------                   
                                        Jerry Chancellor
                                        President