<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TIB FINANCIAL CORP. FOR THE THREE MONTHS ENDED MARCH 31,
1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                      16,992,635
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            26,790,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,923,365
<INVESTMENTS-CARRYING>                      50,126,406
<INVESTMENTS-MARKET>                        50,600,714
<LOANS>                                    187,316,927
<ALLOWANCE>                                  2,273,257
<TOTAL-ASSETS>                             313,553,404
<DEPOSITS>                                 281,628,522
<SHORT-TERM>                                   748,016
<LIABILITIES-OTHER>                          5,821,653
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       441,855
<OTHER-SE>                                  24,913,358
<TOTAL-LIABILITIES-AND-EQUITY>             313,553,404
<INTEREST-LOAN>                              4,325,786
<INTEREST-INVEST>                              862,826
<INTEREST-OTHER>                               345,672
<INTEREST-TOTAL>                             5,534,284
<INTEREST-DEPOSIT>                           2,222,106
<INTEREST-EXPENSE>                           2,235,442
<INTEREST-INCOME-NET>                        3,298,842
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,643,754
<INCOME-PRETAX>                              1,279,656
<INCOME-PRE-EXTRAORDINARY>                     825,056
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   825,056
<EPS-PRIMARY>                                      .19
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    4.96
<LOANS-NON>                                    492,448
<LOANS-PAST>                                    49,748
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,201,974
<CHARGE-OFFS>                                   21,210
<RECOVERIES>                                     2,493
<ALLOWANCE-CLOSE>                            2,273,257
<ALLOWANCE-DOMESTIC>                         2,273,257
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0