JACKSONVILLE BANCORP INC
8-K, 1998-03-18
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) March 12, 1998              
                                                 --------------                 

                     JACKSONVILLE BANCORP, INC.
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       TEXAS                     0 - 28070               75-2632781
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(State of Incorporation)    (Commission File No.)         (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
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   (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 March 12, 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: 3/12/98                   By: /s/Jerry Chancellor
                                    -------------------                         
                                       Jerry Chancellor
                                       President
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                            Exhibit 99

                          Press Release

                              Dated

                          March 12, 1998
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                          PRESS RELEASE

                                 

Today's date:  March 12, 1998               Contact:  Bill W. Taylor
Release date:  Immediately                  Exec. Vice President, C.F.O.
                                            903-586-9861



JACKSONVILLE BANCORP, INC. ANNOUNCES DECLARATION OF CASH DIVIDEND
                     (NASDAQ SYMBOL - JXVL)


     Jacksonville Bancorp, Inc. announced that its Board of Directors, at
their meeting on March 10, 1998 declared a cash dividend of $0.125 per share
of common stock of Jacksonville Bancorp, Inc. payable on April 10, 1998, to
stockholders of record at close of business on March 31, 1998.

     Jacksonville Bancorp, Inc. is the owner of Jacksonville Savings Bank,
SSB (formerly known as Jacksonville Savings and Loan Association),  that
conducts business through six  branches throughout East Texas in addition to
its home office operations in Jacksonville, Texas.

     As of December 31, 1997, Jacksonville Bancorp, Inc. had a consolidated
financial statement reflecting assets of $235.4 million,  liabilities and
deferred income of $201.0 million and stockholder's equity of $34.4 million.
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