UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13D

                    Under the Securities Exchange Act of 1934
                               (Amendment No. __)*

                       SOUTHERN SECURITY BANK CORPORATION
                                (Name of Issuer)

                 Class A Common Stock, par value $.01 per share

                                  843803 10 7
                                 (CUSIP Number)


                                 James L. Wilson
                    3475 Sheridan Street, Hollywood, FL 33021
                                 (954) 961-6883

                  (Name, Address and Telephone Number of Person
                Authorized to Receive Notices and Communications)

                                November 10, 1997
                      (Date of Event which Requires Filing
                               of this Statement)


If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  which is the subject of this  Schedule 13D, and is filing this
schedule because of ss. 240.13d- 1(e),  240.13d-1(f) or 240.13d-1(g),  check the
following box __.

Note:  Schedules  filed in paper format shall include a signed original and five
copies of the schedule,  including all exhibits.  See ss. 240.13d-7(b) for other
parties to whom copies are to be sent.

*The  remainder  of this cover page shall be filed out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).



                                  SCHEDULE 13D
CUSIP No. 843803 10 7                                        Page 2 of 5 Pages

1.       Name of Reporting Person
         SS or IRS Identification No. of above person

                  James L. Wilson
                  ###-##-####

2.       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*             (a)
                                                                       (b)

3.       SEC USE ONLY

4.       SOURCE OF FUNDS*
         PF

5.       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) or 2(e)

6.       CITIZENSHIP OR PLACE OF ORGANIZATION
            US

         NUMBER OF SHARES           7.       SOLE VOTING POWER
         BENEFICIALLY OWNED                  645,853
         BY EACH REPORTING
         PERSON WITH                8.       SHARED VOTING POWER
                                             40,844

                                    9.       SOLE DISPOSITIVE POWER
                                             645,853

                                    10.      SHARED DISPOSITIVE POWER
                                             40,844

11.      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
         PERSON
                  948,252

12.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
         CERTAIN SHARES*

13.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
                  19.8%

14.      TYPE OF REPORTING PERSON*
                  IN


Item 1.  Security and Issuer.

                  This statement  relates to the class A common stock, par value
$.01 per share ("Shares"),  of Southern  Security Bank  Corporation,  a Delaware
corporation  (the  "Company").  The  offices of the  Company are located at 3475
Sheridan Street, Hollywood, Florida 33021.


Item 2.  Identity and Background.

                  (a)  This statement is filed by James L. Wilson.

                  (b) Mr.  Wilson's  business  address is 3475 Sheridan  Street,
Hollywood, Florida 33021.

                  (c) Mr.  Wilson's  principal  occupation  is Vice Chairman and
Chief Executive Officer of the issuer,  Southern Security Bank Corporation.  The
principal  business  of the  issuer  is to act as a  bank  holding  company  for
Southern Security Bank (the "Bank").  Mr. Wilson's business office is located at
the offices of the issuer and the Bank, 3475 Sheridan Street, Hollywood, Florida
33012.

                  (d)  During  the past  five  years,  Mr.  Wilson  has not been
convicted in a criminal  proceeding  (excluding  traffic  violations  or similar
misdemeanors).

                  (e)  During  the past five  years,  Mr.  Wilson has not been a
party to a civil  proceeding of a judicial or  administrative  body of competent
jurisdiction  which,  as a  result  of  such  proceeding,  subjected  him to any
judgment,  decree, or final order enjoining future violations of, or prohibiting
or mandating  activities subject to, federal or state securities laws or finding
any violation with respect to such laws.

                  (e)  Mr. Wilson is a U.S. citizen.


Item 3.  Source and Amount of Funds or Other Consideration.

                  On November 10, 1997, a Florida  corporation  named  "Southern
Security Bank Corporation"  ("Former SSBC") was merged with and into the issuer,
which was then named  "Southern  Security  Financial  Corporation."  Immediately
after the merger,  the name of the issuer was changed to "Southern Security Bank
Corporation." Pursuant to the terms of the merger, outstanding shares of class A
common stock of Former SSBC were  converted  into shares of Class A common stock
of the issuer on a three for one basis, and in the aggregate the shareholders of
Former SSBC received  class A common stock of the issuer equal to  approximately
95% of the total  outstanding  as a result of the merger.  As a  shareholder  of
Former SSBC, Mr. Wilson received his Shares of the Company pursuant to the terms
of the merger in exchange for three times as many shares of class A common stock
of Former SSBC.


Item 4.  Purpose of Transaction.

                  Mr.  Wilson  acquired  and  holds  the  Shares  for  long-term
investment  purposes.  Nevertheless,  Mr. Wilson will  continually  evaluate the
business, financial condition, and prospects of the Company, market price of the
Shares,  return on his investment,  alternative  investments,  conditions in the
economy and his own need for  liquidity  in his  investments  with a view toward
determining  whether to hold,  decrease,  or increase his  investment in Shares.
From time to time, based upon such  evaluation,  Mr. Wilson may sell some or all
of his Shares,  or he may purchase  additional  Shares, at varying prices on the
open  market,  in  privately  negotiated  transactions,  through the exercise of
employee stock options, and/or in other transactions.

                  Mr. Wilson has not made any plans or proposals which relate to
or would  result  in:  (i) an  extraordinary  corporate  transaction,  such as a
merger,  reorganization,  or  liquidation  involving  the  Company or any of its
subsidiaries;  (ii) a sale or  transfer  of a  material  amount of assets of the
Company; (iii) any change in the present Board of Directors or management of the
Company,  including  any plans or  proposals  to change the number of or term of
Directors  or to fill any  existing  vacancies  on the Board;  (iv) any material
change in the  Company's  present  capitalization  or dividend  policy;  (v) any
material change in the Company's business or corporate  structure;  (vi) changes
in the Company's  charter,  by-laws,  or  instruments  corresponding  thereto or
actions  which may impede  the  acquisition  of  control  of the  Company by any
person; (vii) causing a class of securities of the Company to be delisted from a
national  securities  exchange or to cease to be  authorized  to be quoted in an
inter-dealer  quotation system of a registered national  securities  association
(although,  it should be noted that the Shares are not presently listed with any
national securities exchange or quoted in any inter-dealer quotation system of a
registered national securities exchange); (viii) a class of equity securities of
the Company  becoming  eligible  for  termination  of  registration  pursuant to
Section  12(g)(4) of the  Securities  Exchange  Act of 1934;  or (ix) any action
similar to any of those enumerated above.

Item 5.  Interest in Securities of the Issuer.

                  (a) Mr.  Wilson owns  beneficially,  as  determined  under the
rules and regulations of the Securities and Exchange Commission, 948,252 Shares.
Such Shares  include  options to purchase  261,555  Shares that are  exercisable
within 60 days,  and 40,844  Shares that are owned by Mr.  Wilson's  wife. As of
July  2,  1998,  the  948,252  Shares  that  he  beneficially   owns  constitute
approximately 19.8% of the Shares outstanding.

                  (b) Mr.  Wilson  has sole  voting  and  investment  power with
respect to the 645,853  Shares that are owned by him,  and he has shared  voting
and investment power with respect to the 40,844 Shares owned by his wife.

                  (c) Mr.  Wilson has not  effected any  transactions  in Shares
during the preceding 60 days.


Item 6.  Contracts, Arrangements, Understandings or Relationships with Respect
         to Securities of the Issuer.

                  Except with respect to the grant of options under the terms of
his employment contract with the Company, there are no contracts,  arrangements,
understandings,  agreements,  or relationships  (legal or otherwise) between Mr.
Wilson and any person with respect to securities of the Company.


Item 7.  Material filed as Exhibits.

                  None.




                                   SIGNATURES

         After reasonable inquiry and to the best of the undersigned's knowledge
and belief,  the  undersigned  certifies that the  information set forth in this
statement is true, complete, and correct.


Date:             July 2, 1998                  s/James L. Wilson
                                                ------------------------
                                                James L. Wilson


     Attention:  Intentional  misstatements  or  omissions  of  fact  constitute
Federal criminal violations.