<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE SIX MONTHS ENDED JUNE 30,
1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       9,832,402
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,918,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,520,014
<INVESTMENTS-CARRYING>                      29,482,250
<INVESTMENTS-MARKET>                        29,774,355
<LOANS>                                    177,642,391
<ALLOWANCE>                                  2,063,179
<TOTAL-ASSETS>                             263,469,273
<DEPOSITS>                                 235,152,341
<SHORT-TERM>                                 1,938,710
<LIABILITIES-OTHER>                          2,762,509
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       435,705
<OTHER-SE>                                  23,180,008
<TOTAL-LIABILITIES-AND-EQUITY>             263,469,273
<INTEREST-LOAN>                              8,176,249
<INTEREST-INVEST>                            1,569,710
<INTEREST-OTHER>                               302,205
<INTEREST-TOTAL>                            10,048,164
<INTEREST-DEPOSIT>                           3,718,656
<INTEREST-EXPENSE>                           3,752,490
<INTEREST-INCOME-NET>                        6,295,674
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,274,281
<INCOME-PRETAX>                              2,417,093
<INCOME-PRE-EXTRAORDINARY>                   2,417,093
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,631,693
<EPS-PRIMARY>                                      .36
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.41
<LOANS-NON>                                    214,483
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,929,719
<CHARGE-OFFS>                                   16,692
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                            2,063,179
<ALLOWANCE-DOMESTIC>                         2,063,179
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0