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

Date of Report (Date of earliest event reported)   January 22, 2008

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

          Florida                        001-14853                59-3472981
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(State or other jurisdiction           (Commission           (I.R.S. Employer
     of incorporation)                 File Number)          Identification No.)

100 North Laura Street, Suite 1000, Jacksonville, FL                32202
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     (Address of principal executive offices)                     (Zip Code)

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

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

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))



Item 2.02   RESULTS OF OPERATIONS AND FINANCIAL CONDITION

            On January 22, 2008, Jacksonville Bancorp, Inc. announced via press
            release its 2007 annual earnings. A copy of the press release is
            attached as Exhibit 99.1.

Item 9.01   FINANCIAL STATEMENTS AND EXHIBITS

(c)         Exhibits

99.1        Press release dated as of January 22, 2008



                                   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: January 22, 2008                  /s/ Valerie A. Kendall
                                        ----------------------------------------
                                        Valerie A. Kendall
                                        Executive Vice President
                                        & Chief Financial Officer