U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 12B-25

                           NOTIFICATION OF LATE FILING
                                  (Check One):

          []Form 10-K []Form 20-F [][]Form 11-K [X]Form 10-Q Form N-SAR

                        For Period Ended: June 30, 2000
                        --------------------------------
     [ ]Transition Report on Form 10-K
     [ ]Transition  Report  on Form  20-F
     [ ]Transition  Report on Form 11-K
     [ ]Transition  Report on Form 10-Q
     [ ]Transition Report on Form N-SAR For the

Transition Period Ended:
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     Read Attached Instruction Sheet Before Preparing Form.
     Please Print or Type.
     Nothing in this form shall be construed to imply that the
     Commission has verified any information contained herein.
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     If the  notification  relates  to a portion of the  filing  checked  above,
identify the Item(s) to which the notification relates:

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PART I--REGISTRANT INFORMATION
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     Full Name of Registrant: EAST TEXAS FINANCIAL SERVICES, INC.
     Former Name if Applicable:  N/A

     1200 South Beckham Avenue
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     Address of Principal Executive Office (Street and Number)

     Tyler, Texas 75701
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     City, State and Zip Code

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PART II--RULES 12B-25 (B) AND (C)
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If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to rule 12b-25(b), the following should
be completed. (Check box if appropriate)

     (a) The reasons  described  in  reasonable  detail in Part III of this form
could not be eliminated without unreasonable effort or expense;

     (b) The subject annual report,  semi-annual  report,  transition  report on
Form 10-K, Form 20-F, Form 11-K or Form N-SAR, or portion thereof, will be filed
on or before the fifteenth  calendar day following the  prescribed  due date; or
the  subject  quarterly  report or  transition  report on Form 10-Q,  or portion
thereof,  will be filed on or  before  the  fifth  calendar  day  following  the
prescribed due date; and

     (c) The accountant's  statement or other exhibit required by Rule 12b-25(c)
has been attached, if applicable.
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PART III--NARRATIVE
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State below in reasonable  detail the reasons why Form 10-K,  20-F,  11-K, 10-Q,
N-SAR or the transition report or portion thereof, could not be filed within the
prescribed time period.

RESPONSE:  DUE TO THE RECENT  COMPLETION OF THE ACQUISITION OF GILMER  FINANCIAL
SERVICES,  INC.,  COMBINED  RESULTS AS OF JUNE 30,  2000 HAVE TAKEN  LONGER THAN
ANTICIPATED TO BE COMPLETED.

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PART IV--OTHER INFORMATION
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     (1) Name and  telephone  number  of  person  to  contact  in regard to this
notification.

          Derrell Chapman          (903)           593-1767
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          (Name)                (Area Code)   (Telephone Number)

     (2) Have all other periodic  reports  required under section 13 or 15(d) of
the Securities  Exchange Act of 1934 or Section 30 of the Investment Company Act
of 1940  during the  preceding  12 months or for such  shorter  period  that the
registrant was required to file such report(s) been filed?
If the answer is no, identify report(s).

                                            [ X ] Yes    [   ] No

         (3) Is it  anticipated  that  any  significant  change  in  results  of
operations  from the  corresponding  period  for the last  fiscal  year  will be
reflected by the  earnings  statements  to be included in the subject  report or
portion thereof?

                                            [   ] Yes    [ X ] No

     If so: attach an explanation of the anticipated  change,  both  narratively
and  quantitatively,  and, if  appropriate,  state the reasons why a  reasonable
estimate of the results cannot be made.

RESPONSE:  Not applicable.


                       EAST TEXAS FINANCIAL SERVICES, INC.
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                  (Name of Registrant as specified in charter)

has  caused  this  notification  to be signed on its  behalf by the  undersigned
thereunto duly authorized.

Date    08/14/00             By  /s/ Derrell Chapman
    -----------------            ----------------------------------------
                                 Derrell Chapman, Chief Financial Officer

INSTRUCTION: The form may be signed by an executive officer of the registrant or
by any other duly  authorized  representative.  The name and title of the person
signing  the form  shall  be typed or  printed  beneath  the  signature.  If the
statement is signed on behalf of the registrant by an authorized  representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.
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                                    ATTENTION

     Intentional  misstatements or omissions of fact constitute Federal Criminal
Violations (See 18 U.S.C. 1001).
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