JACKSONVILLE BANCORP INC
8-K, 1999-10-20
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)     October 19, 1999
                                                     _________________


                          JACKSONVILLE BANCORP, INC.
                         ____________________________


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



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 1 of 4







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 October 19, 1999











                               Page 2 of 4







                              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: 10/19/99                     By: Jerry Chancellor
      _________                        _________________
                                       Jerry Chancellor
                                        President









                               Page 3 of 4



                              Press Release

Today's date: October 19, 1999                  Contact: Bill W. Taylor
Release date: Immediately                       E.V.P., C.F.O.
                                                (903) 586-9861



           JACKSONVILLE BANCORP, INC. ANNOUNCES BRANCH OPENING


     Jacksonville, Texas, October 19, 1999 - Jacksonville Bancorp, Inc.,
(NASDAQ: JXVL) the holding company of Jacksonville Savings Bank, SSB of
Jacksonville, Texas, announced today that Jacksonville Savings Bank had
opened its second full service branch office in Tyler, Texas located at
2507 University Boulevard.

     Jerry Chancellor, President and C.E.O. said, "We are excited about the
opportunity to provide the people of Smith County another convenient location
to meet their banking needs.  Management is committed to offering customers
of this new branch the same friendly personalized service that has been found
at our other locations throughout East Texas."

     Jacksonville Savings Bank now has eight locations in East Texas
including the home office at Jacksonville, Texas.







                              Page 4 of 4



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