UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935
or Section 30(f) of the Investment Company Act of 1940
1. Name and Address of Reporting Person
Tavar, Bennet Allen
10325 San Jose Boulevard
Jacksonville, Florida 32225
2. Issuer Name and Ticker or Trading Symbol
Jacksonville Bancorp, Inc.
3. IRS or Social Security Number of Reporting Person (Voluntary)
4. Statement for Month/Year
12/99
5. If Amendment, Date of Original (Month/Year)
6. Relationship of Reporting Person to Issuer (Check all applicable)
[X] Director [ ] 10% Owner
[ ] Officer (give title below) [ ] Other (specify below)
<TABLE>
<CAPTION>
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Table I -- Non-Derivatie Securities Beneficially Owned
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1. Title of Security 2. Transaction 3. Transaction 4. Securities 5. Amount of 6. Ownership 7. Nature of
Date Code Acquired (A) Securities Form: Indirect
(Month/Year) or Disposal (D) Benefially Direct (D) Beneficial
Owned at end Indirect (I) Ownership
of Month
Amount A/D Price
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Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertibel securities)
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1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.
Title of Conversion Trans- Trans- Number of Date Exercis- Underlying Price Number of Owner- Nature
Derivative or Exercise action action Derivative able and Securities of Derivative ship of
Security Price of Date Code Securities Expiration Title Amount Derivative Securities Form of Indirect
Derivative (MM/DD/YY) Acquired(A) Date Security Bene- Deri- Benefical
Security or Disposed (MM/DD/YY) ficially vative Ownership
of (D) Exercisable Exp. Owned at Security
End of Direct
Month (D) or In-
direct(I)
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<C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Options 10.00 11/9/99 A (A)6768 11/9/99 11/9/09 Common 6768 0 6768 D
Stock
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</TABLE>
/s/Bennet Allen Tavar 1/14/99
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Signature of Reporting Person Date
