JACKSONVILLE BANCORP INC
8-K, 1998-12-30
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                   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 21, 1998     
                                                -----------------------------   

                          JACKSONVILLE BANCORP, INC.
                          --------------------------                           

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



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



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

                               NOT APPLICABLE                  
- -----------------------------------------------------------------------------
          (Former Name or Former Address, if changed since last report)
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          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 21, 1998
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                           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:       12/21/98          By:  /s/Jerry Chancellor                 
     ------------------          --------------------------                   
                                   Jerry Chancellor
                                    President
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                                Exhibit 99
                                
                               Press Release
                                
                                  Dated
                                
                             December 21, 1998
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
                                
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                              PRESS RELEASE
                                
                                
                                
Today's date: December 21, 1998         Contact: Bill W. Taylor
Release date: Immediately               Exec. Vice President, C.F.O.
                                               903-586-9861



                                
                                
          JACKSONVILLE BANCORP, INC. RECEIVES APPROVAL FOR NEW BRANCH
                           (NASDAQ SYMBOL - JXVL)


     Jacksonville, Texas, December 21, 1998, Jacksonville Bancorp, Inc. 
(NASDAQ: JXVL) the holding company of Jacksonville Savings Bank, SSB, of 
Jacksonville, Texas announced today that Jacksonville Savings Bank, SSB had 
received approval from the Texas Savings and Loan Department and from the 
Federal Deposit Insurance Corporation of its application for a second branch 
location in Tyler, Texas. 

     According to Jerry Chancellor, President and CEO, this branch will be 
located at 2507 University Boulevard  and construction is anticipated to begin 
in early 1999.

     Mr. Chancellor said, "We are excited about the opportunity to provide the 
people of Smith County another convenient location to meet their banking needs."

     Jacksonville will now have eight locations in East Texas including the home
office at Jacksonville, Texas.
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