EXHIBIT 99.3


CHIEF FINANCIAL OFFICER'S CERTIFICATION REQUIRED UNDER SECTION 906 OF
SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of TIB Financial Corp. (the "Company")
on Form 10-Q for the period ended March 31, 2003, as filed with the Securities
and Exchange Commission (the "Report"), I, David P. Johnson, Executive Vice
President and Chief Financial Officer of the Company, certify pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that this Report fully complies
with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act
of 1934 and that, to my knowledge, the information contained in the Report
fairly presents, in all material respects, the financial condition and results
of operation of the Company.



Date:    May 9, 2003                /s/ David P. Johnson
         --------------             --------------------------------------------
                                    David P. Johnson
                                    Executive Vice President and Chief Financial
                                    Officer


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