<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE NINE MONTHS ENDED SEPTEMBER
30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      12,565,500
<INT-BEARING-DEPOSITS>                          45,263
<FED-FUNDS-SOLD>                             5,489,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,915,239
<INVESTMENTS-CARRYING>                      40,453,110
<INVESTMENTS-MARKET>                        38,610,309
<LOANS>                                    319,428,299
<ALLOWANCE>                                  3,392,740
<TOTAL-ASSETS>                             413,130,448
<DEPOSITS>                                 367,131,050
<SHORT-TERM>                                 1,424,084
<LIABILITIES-OTHER>                          6,161,441
<LONG-TERM>                                 13,250,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       388,095
<OTHER-SE>                                  24,775,778
<TOTAL-LIABILITIES-AND-EQUITY>             413,130,448
<INTEREST-LOAN>                             20,723,058
<INTEREST-INVEST>                            2,601,173
<INTEREST-OTHER>                               365,057
<INTEREST-TOTAL>                            23,689,288
<INTEREST-DEPOSIT>                          10,033,880
<INTEREST-EXPENSE>                          10,469,011
<INTEREST-INCOME-NET>                       13,220,277
<LOAN-LOSSES>                                  405,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             13,473,217
<INCOME-PRETAX>                              5,084,006
<INCOME-PRE-EXTRAORDINARY>                   3,209,006
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,209,006
<EPS-BASIC>                                        .76
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                    853,421
<LOANS-PAST>                                 2,012,434
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,996,532
<CHARGE-OFFS>                                    8,792
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            3,392,740
<ALLOWANCE-DOMESTIC>                         3,392,740
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0