<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,
1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                      16,608,669
<INT-BEARING-DEPOSITS>                          15,244
<FED-FUNDS-SOLD>                            10,832,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,117,123
<INVESTMENTS-CARRYING>                      63,949,340
<INVESTMENTS-MARKET>                        64,560,080
<LOANS>                                    201,342,543
<ALLOWANCE>                                  2,365,588
<TOTAL-ASSETS>                             324,664,148
<DEPOSITS>                                 293,216,177
<SHORT-TERM>                                 1,990,967
<LIABILITIES-OTHER>                          3,386,696
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       444,215
<OTHER-SE>                                  25,626,093
<TOTAL-LIABILITIES-AND-EQUITY>             324,664,148
<INTEREST-LOAN>                              8,822,185
<INTEREST-INVEST>                            2,013,432
<INTEREST-OTHER>                               619,711
<INTEREST-TOTAL>                            11,455,328
<INTEREST-DEPOSIT>                           4,694,866
<INTEREST-EXPENSE>                           4,717,943
<INTEREST-INCOME-NET>                        6,737,385
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,203,575
<INCOME-PRETAX>                              2,625,920
<INCOME-PRE-EXTRAORDINARY>                   1,696,320
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,696,320
<EPS-PRIMARY>                                      .39
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                    459,246
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,201,974
<CHARGE-OFFS>                                   21,897
<RECOVERIES>                                     5,511
<ALLOWANCE-CLOSE>                            2,365,588
<ALLOWANCE-DOMESTIC>                         2,365,588
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0