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)       December 9, 1997
                                                       -----------------
                   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 December 9, 1997
<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: 12/9/97                     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": "97736284"}, "business-address": {"street1": "P O BOX 401", "street2": "COMMERCE & NECHES STREETS", "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)       December 9, 1997
                                                       -----------------
                   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 December 9, 1997
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: 12/9/97                     By: \s\Jerry Chancellor               
     ---------                        ------------------------   
                                      Jerry Chancellor
                                      President