<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE YEAR ENDED DECEMBER 31,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                      12,109,935
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,810,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 36,490,481
<INVESTMENTS-CARRYING>                      14,387,276
<INVESTMENTS-MARKET>                        14,691,930
<LOANS>                                    164,544,622
<ALLOWANCE>                                  1,929,719
<TOTAL-ASSETS>                             241,050,553
<DEPOSITS>                                 204,983,580
<SHORT-TERM>                                11,091,426
<LIABILITIES-OTHER>                          2,354,630
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       432,236
<OTHER-SE>                                  22,188,681
<TOTAL-LIABILITIES-AND-EQUITY>             241,050,553
<INTEREST-LOAN>                             15,037,810
<INTEREST-INVEST>                            3,395,519
<INTEREST-OTHER>                                69,420
<INTEREST-TOTAL>                            18,502,749
<INTEREST-DEPOSIT>                           6,208,928
<INTEREST-EXPENSE>                           6,506,760
<INTEREST-INCOME-NET>                       11,995,989
<LOAN-LOSSES>                                  240,000
<SECURITIES-GAINS>                              18,478
<EXPENSE-OTHER>                              9,558,034
<INCOME-PRETAX>                              4,791,967
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,202,967
<EPS-PRIMARY>                                     0.72
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.83
<LOANS-NON>                                    430,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,700,823
<CHARGE-OFFS>                                   11,734
<RECOVERIES>                                       630
<ALLOWANCE-CLOSE>                            1,929,719
<ALLOWANCE-DOMESTIC>                         1,929,719
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0