<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, 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       9,586,076
<INT-BEARING-DEPOSITS>                             400
<FED-FUNDS-SOLD>                             5,283,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 20,982,470
<INVESTMENTS-CARRYING>                      26,535,971
<INVESTMENTS-MARKET>                        26,957,216
<LOANS>                                    186,254,719
<ALLOWANCE>                                  2,133,042
<TOTAL-ASSETS>                             260,956,783
<DEPOSITS>                                 231,741,100
<SHORT-TERM>                                 1,873,207
<LIABILITIES-OTHER>                          3,224,119
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       436,895
<OTHER-SE>                                  23,681,462
<TOTAL-LIABILITIES-AND-EQUITY>             260,956,783
<INTEREST-LOAN>                             12,548,274
<INTEREST-INVEST>                            2,353,908
<INTEREST-OTHER>                               345,297
<INTEREST-TOTAL>                            15,247,479
<INTEREST-DEPOSIT>                           5,733,395
<INTEREST-EXPENSE>                           5,785,952
<INTEREST-INCOME-NET>                        9,461,527
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                              10,664
<EXPENSE-OTHER>                              8,074,645
<INCOME-PRETAX>                              3,594,629
<INCOME-PRE-EXTRAORDINARY>                   3,594,629
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,438,529
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.42
<LOANS-NON>                                    489,868
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,929,719
<CHARGE-OFFS>                                   32,902
<RECOVERIES>                                    11,225
<ALLOWANCE-CLOSE>                            2,133,042
<ALLOWANCE-DOMESTIC>                         2,133,042
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0