GILMER FINANCIAL SERVICES INC
15-12G, 1999-05-19
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

          CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER
       SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION
           OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934.


                         Commission File Number 0-25076
                                     -------

                         GILMER FINANCIAL SERVICES, INC.
    ------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                   218 West Cass Street, Gilmer, Texas, 75644
                                 (903) 843-5525
   -------------------------------------------------------------------------
   (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)


                         Common Stock ($0.01 par value)
   -------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)


                                      None
 ------------------------------------------------------------------------------
   (Titles of all other classes of securities for which a duty to file reports
                      under section 13(a) or 15(d) remains)

     Please  place  an X in  the  box(es)  to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

Rule 12g-4(a)(1)(i)  X        Rule 12h-3(b)(1)(i)
                    ---                           ---
Rule 12g-4(a)(1)(ii)          Rule 12h-3(b)(1)(ii)
                    ---                           ---
Rule 12g-4(a)(2)(i)           Rule 12h-3(b)(2)(i)
                    ---                           ---
Rule 12g-4(a)(2)(ii)          Rule 12h-3(b)(2)(ii)
                    ---                           ---
                              Rule 15d-6
                                                  ---

Approximate  number of holders of record
as of the  certification or notice date:          157




<PAGE>

                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, Gilmer
Financial Services,  Inc. has caused this  certification/notice  to be signed on
its behalf by the undersigned duly authorized person.




             Date:    May 19, 1999               By: /s/ Gary P. Cooper
                    ---------------------            ---------------------------
                                                       Gary P. Cooper
                                                       President and Chief
                                                         Executive Officer






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