================================================================================ 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) March 3, 2005 JACKSONVILLE BANCORP, INC. ------------------------------------------------------ (Exact name of registrant as specified in its charter) Florida 001-14853 59-3472981 ---------------------------- ----------- ------------------ (State or other jurisdiction (Commission (I.R.S. Employer of incorporation) File Number) Identification No.) 100 North Laura Street, Jacksonville, Florida 33202 --------------------------------------------- --------- (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.) 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 March 3, 2005 Jacksonville Bancorp Inc. announced via press release that they were reporting their earnings for the twelve months ended December 31, 2004. 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 March 3, 2005 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: March 3, 2005 /s/ VALERIE A. KENDALL ---------------------------- Valerie A. Kendall Executive Vice President & Chief Financial Officer