EXHIBIT 31.2
                           JACKSONVILLE BANCORP, INC.

                                  CERTIFICATION

I, Valerie A. Kendall, certify that:

        1.      I have reviewed this quarterly report on Form 10-QSB of
                Jacksonville Bancorp, Inc.;

        2.      Based on my knowledge, this quarterly report does not contain
                any untrue statement of a material fact or omit to state a
                material fact necessary to make the statements made, in light of
                the circumstances under which such statements were made, not
                misleading with respect to the period covered by this quarterly
                report;

        3.      Based on my knowledge, the financial statements, and other
                financial information included in this report, fairly present in
                all material respects the financial condition, results of
                operations and cash flows of the small business issuer as of,
                and for, the periods presented in this report;

        4.      The small business issuer's other certifying officer(s) and I
                are responsible for establishing and maintaining disclosure
                controls and procedures (as defined in Exchange Act Rules
                13a-15(e) and 15d-15(e)) for the small business issuer and have:

                a.      designed such disclosure controls and procedures, or
                        caused such disclosure controls and procedures to be
                        designed under our supervision, to ensure that material
                        information relating to the small business issuer,
                        including its consolidated subsidiaries, is made known
                        to us by others within those entities, particularly
                        during the period in which this report is being
                        prepared;

                b.      evaluated the effectiveness of the small business
                        issuer's disclosure controls and procedures and
                        presented in this report our conclusions about the
                        effectiveness of the disclosure controls and procedures
                        as of the end of the period covered by this report based
                        on such evaluation; and

                c.      disclosed in this report any change in the small
                        business issuer's internal control over financial
                        reporting that occurred during the small business
                        issuer's most recent fiscal quarter (the small business
                        issuer's fourth fiscal quarter in the case of an annual
                        report) that has materially affected the small business
                        issuer's internal control over financial reporting; and

        5.      The small business issuer's other certifying officer(s) and I
                have disclosed, based on our most recent evaluation of internal
                control over financial reporting, to the small business issuer's
                auditors and the audit committee of the small business issuer's
                board of directors (or persons performing the equivalent
                functions):

                a.      all significant deficiencies and material weaknesses in
                        the design or operation of internal control over
                        financial reporting which are reasonably likely to
                        adversely affect the small business issuer's ability to
                        record, process, summarize and report financial
                        information; and

                b.      any fraud, whether or not material, that involves
                        management or other employees who have a significant
                        role in the small business issuer's internal control
                        over financial reporting.

Date:  August 8, 2005                         /s/ Valerie A. Kendall
                                              ----------------------
                                              Valerie A. Kendall
                                              Executive Vice President
                                              and Chief Financial Officer

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