<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE THREE MONTHS ENDED MARCH 31,
2000, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                      15,988,564
<INT-BEARING-DEPOSITS>                          25,107
<FED-FUNDS-SOLD>                             9,792,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 15,726,177
<INVESTMENTS-CARRYING>                      44,445,122
<INVESTMENTS-MARKET>                        42,379,854
<LOANS>                                    296,265,274
<ALLOWANCE>                                  3,124,179
<TOTAL-ASSETS>                             403,230,570
<DEPOSITS>                                 368,106,757
<SHORT-TERM>                                 1,276,384
<LIABILITIES-OTHER>                          5,009,627
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       449,414
<OTHER-SE>                                  26,388,388
<TOTAL-LIABILITIES-AND-EQUITY>             403,230,570
<INTEREST-LOAN>                              6,504,103
<INTEREST-INVEST>                              904,521
<INTEREST-OTHER>                                92,277
<INTEREST-TOTAL>                             7,500,901
<INTEREST-DEPOSIT>                           3,038,118
<INTEREST-EXPENSE>                           3,108,173
<INTEREST-INCOME-NET>                        4,392,728
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,514,918
<INCOME-PRETAX>                              1,674,311
<INCOME-PRE-EXTRAORDINARY>                   1,049,911
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,049,911
<EPS-BASIC>                                        .24
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    4.97
<LOANS-NON>                                     70,800
<LOANS-PAST>                                 2,002,176
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,996,532
<CHARGE-OFFS>                                    7,353
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            3,124,179
<ALLOWANCE-DOMESTIC>                         3,124,179
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0