UNITED STATES 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


                                NOVEMBER 7, 2003
                Date of Report (Date of earliest event reported)

                           JACKSONVILLE BANCORP, INC.
             (Exact name of registrant as specified in its charter)

          FLORIDA                        000-30248              59-3472981
(State or other jurisdiction            (Commission            (IRS Employer
     of incorporation)                  File Number)         Identification No.)

      76 S. LAURA STREET, SUITE 104, JACKSONVILLE, FLORIDA          32202
          (Address of principal executive offices)                (Zip Code)

       Registrant's telephone number, including area code: (904) 421-3040

         (Former name or former address, if changed since last report.)


ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

      (c) Exhibits.

          99.1 Press Release dated November 7, 2003.

ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On November 7, 2003,  Jacksonville  Bancorp, Inc. (the "Company") issued a press
release  announcing  its  unaudited  financial  results for the quarter and nine
months ended  September 30, 2003. A copy of the press release is furnished  with
this Current Report on Form 8-K as Exhibit 99.1.

                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                           JACKSONVILLE BANCORP, INC.
                                                  (Registrant)

Date: November 10, 2003                    /s/ Cheryl L. Whalen
                                           -------------------------------------
                                           Cheryl L. Whalen, Corporate Secretary