JACKSONVILLE BANCORP INC /FL/
424B3, 1999-04-23
STATE COMMERCIAL BANKS
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                                                Filed Pursuant to Rule 424(b)(3)
                                                  Registration Number: 333-64815

                                     [LOGO]





                   (Holding Company for The Jacksonville Bank)

                           JACKSONVILLE BANCORP, INC.

                                Supplement No. 3

- --------------------------------------------------------------------------------

                      To Prospectus Dated February 9, 1999

       This supplement dated April 23, 1999, is intended to amend the Prospectus
  dated February 9, 1999 through which  Jacksonville  Bancorp,  Inc. is offering
  for sale a minimum  of  800,000  shares of  common  stock and a maximum  of 1,
  500,000 shares of common stock at a price of $10.00 per share. This supplement
  is intended to be read in conjunction with and supersede the prospectus to the
  extent that any  information in this  supplement  conflicts  with  information
  provided in the prospectus.


                              TERMS OF THE OFFERING

       Terms of Purchase.  We have  decided to extend the offering  period until
  July 30, 1999.  The offering  period will now expire on July 30, 1999.  Unless
  the minimum  capital of $8,000,000 is raised by the expiration of the offering
  period,  the offering will be terminated  and  subscription  funds,  including
  income earned thereupon, will be returned to each subscriber pro rata.











  This  Supplement No. 3 to the  Jacksonville  Bancorp,  Inc.  Prospectus  dated
  February 9, 1999 contains material information about the Jacksonville Bancorp,
  Inc. common stock offering. Please read this supplement carefully.



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