<ARTICLE> 9
<LEGEND>
THIS SCHDEULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE THREE MONTHS ENDED MARCH 31,
1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                      13,094,240
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            15,381,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,424,193
<INVESTMENTS-CARRYING>                      20,364,560
<INVESTMENTS-MARKET>                        20,506,333
<LOANS>                                    173,471,397
<ALLOWANCE>                                  2,001,115
<TOTAL-ASSETS>                             265,902,462
<DEPOSITS>                                 237,764,727
<SHORT-TERM>                                 2,126,302
<LIABILITIES-OTHER>                          2,912,827
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       435,005
<OTHER-SE>                                  22,663,601
<TOTAL-LIABILITIES-AND-EQUITY>             265,902,462
<INTEREST-LOAN>                              4,011,215
<INTEREST-INVEST>                              755,941
<INTEREST-OTHER>                               131,278
<INTEREST-TOTAL>                             4,898,434
<INTEREST-DEPOSIT>                           1,784,415
<INTEREST-EXPENSE>                           1,802,229
<INTEREST-INCOME-NET>                        3,096,205
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,534,931
<INCOME-PRETAX>                              1,150,774
<INCOME-PRE-EXTRAORDINARY>                     785,862
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   785,862
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    5.45
<LOANS-NON>                                    356,386
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,929,719
<CHARGE-OFFS>                                    3,756
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                            2,001,115
<ALLOWANCE-DOMESTIC>                         2,001,115
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0