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                                  Exhibit 10(D)

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                             SECOND AMENDMENT TO THE
                           JACKSONVILLE BANCORP, INC.
                             1996 STOCK OPTION PLAN

Pursuant to Section 18 of the Jacksonville Bancorp, Inc. 1996 Stock Option Plan
(the "1996 Plan"), the 1996 Plan is hereby amended, effective as of December 29,
2005, as follows:

        1.      By adding the following new Section 9.1(c) to the 1996 Plan:

                "(c)    RELINQUISHMENT OF RIGHTS. Notwithstanding anything in
                the Plan to the contrary, effective as of December 29, 2005, the
                Committee shall not grant any new Awards of Limited Rights to
                any Employees or Directors. With respect to outstanding Awards
                of Limited Rights granted prior to December 29, 2005, the Board
                of Directors shall take such action as it determines to be
                necessary and appropriate to obtain the consent of Participants
                to relinquish their rights to such outstanding Limited Rights
                prior to December 31, 2005. Outstanding Awards of Limited Rights
                that are relinquished by Participants pursuant to the foregoing
                shall be evidenced by a written consent form signed and dated by
                the affected Participant in accordance with Section 18 of the
                Plan, provided, however, that nothing in the consent form shall
                (i) affect the Participant's other rights under his outstanding
                Options, or (ii) restrict the ability of the Company, in its
                sole discretion, or any third party to make a cash payment to
                the Participant in exchange for the termination or cancellation
                of the Participant's Options. Limited Rights for which no
                Participant consent form is received by the Company shall remain
                subject to the relevant terms and provisions of the Plan."

        2.      By adding the following sentence at the end of Section 12 of the
                1996 Plan:

                "Notwithstanding anything in the Plan to the contrary, no
                provision of the Plan shall operate to require the cash
                settlement of a stock option under any circumstance that is not
                within the sole discretion of the Company."

        IN WITNESS WHEREOF, Jacksonville Bancorp, Inc. has caused this amendment
to be adopted by a duly authorized officer, this 29th day of December, 2005.


                                      JACKSONVILLE BANCORP, INC.


                                      By     /s/ Richard A. Foss
                                        ----------------------------------------
                                      Its    President and CEO
                                         ---------------------------------------

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                             SECOND AMENDMENT TO THE
                           JACKSONVILLE BANCORP, INC.
                             2001 STOCK OPTION PLAN

Pursuant to Section 20 of the Jacksonville Bancorp, Inc. 2001 Stock Option Plan
(the "2001 Plan"), the 2001 Plan is hereby amended, effective as of December 29,
2005, as follows:

        1.      By adding the following new Section 9(c) to the 2001 Plan:

                "(c)    RELINQUISHMENT OF RIGHTS. Notwithstanding anything in
                the Plan to the contrary, effective as of December 29, 2005, the
                Committee shall not grant any new Awards of Limited Rights to
                any Employees or Directors. With respect to outstanding Awards
                of Limited Rights granted prior to December 29, 2005, the Board
                of Directors shall take such action as it determines to be
                necessary and appropriate to obtain the consent of Participants
                to relinquish their rights to such outstanding Limited Rights
                prior to December 31, 2005. Outstanding Awards of Limited Rights
                that are relinquished by Participants pursuant to the foregoing
                shall be evidenced by a written consent form signed and dated by
                the affected Participant in accordance with Section 20 of the
                Plan, provided, however, that nothing in the consent form shall
                (i) affect the Participant's other rights under his outstanding
                Options, or (ii) restrict the ability of the Company, in its
                sole discretion, or any third party to make a cash payment to
                the Participant in exchange for the termination or cancellation
                of the Participant's Options. Limited Rights for which no
                Participant consent form is received by the Company shall remain
                subject to the relevant terms and provisions of the Plan."

        2.      By adding the following sentence at the end of Section 15 of the
                2001 Plan:

                "Notwithstanding anything in the Plan to the contrary, no
                provision of the Plan shall operate to require the cash
                settlement of a stock option under any circumstance that is not
                within the sole discretion of the Company."

        3.      By substituting the following for Section 18(a) of the 2001
                Plan:

                "(a)    provide that such Options shall be assumed, or
                equivalent options shall be substituted ("Substitute Options")
                by the acquiring or succeeding corporation (or an affiliate
                thereof), provided that: (A) any such Substitute Options
                exchanged for Incentive Stock Options shall meet the
                requirements of Section 424(a) of the Code, and (B) the shares
                of stock issuable upon the exercise of such Substitute Options
                shall constitute securities registered in accordance with the
                Securities Act of 1933, as amended ("1933 Act") or such
                securities shall be exempt from such registration in accordance
                with Sections 3(a)(2) or 3(a)(5) of the 1933 Act, (collectively,
                "Registered Securities"), or in the alternative, and in the sole
                discretion of the Company, if the securities issuable upon the
                exercise of such Substitute Options shall not constitute
                Registered Securities, then the Participant will receive upon
                consummation of the Change in Control a cash payment for each
                Option surrendered equal to the difference between the (1) Fair
                Market Value of the consideration to be received for each share
                of Common Stock in the Change in Control times the number of
                shares of Common Stock subject to such surrendered Options, and
                (2) the aggregate exercise price of all such surrendered
                Options, or"

        IN WITNESS WHEREOF, Jacksonville Bancorp, Inc. has caused this amendment
to be adopted by a duly authorized officer, this 29th day of December, 2005.

                                      JACKSONVILLE BANCORP, INC.


                                      By     /s/ Richard A. Foss
                                        ----------------------------------------
                                      Its    President and CEO
                                         ---------------------------------------