<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, 1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      14,903,424
<INT-BEARING-DEPOSITS>                          31,154
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 22,426,308
<INVESTMENTS-CARRYING>                      48,155,573
<INVESTMENTS-MARKET>                        49,237,944
<LOANS>                                    217,285,440
<ALLOWANCE>                                  2,410,835
<TOTAL-ASSETS>                             319,783,766
<DEPOSITS>                                 283,795,157
<SHORT-TERM>                                 5,104,869
<LIABILITIES-OTHER>                          4,088,598
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       444,215
<OTHER-SE>                                  26,350,927
<TOTAL-LIABILITIES-AND-EQUITY>             319,783,766
<INTEREST-LOAN>                             13,629,511
<INTEREST-INVEST>                            3,191,961
<INTEREST-OTHER>                               658,413
<INTEREST-TOTAL>                            17,479,885
<INTEREST-DEPOSIT>                           7,226,000
<INTEREST-EXPENSE>                           7,292,019
<INTEREST-INCOME-NET>                       10,187,866
<LOAN-LOSSES>                                  270,000
<SECURITIES-GAINS>                               3,870
<EXPENSE-OTHER>                             10,897,544
<INCOME-PRETAX>                              3,969,268
<INCOME-PRE-EXTRAORDINARY>                   2,564,768
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,564,768
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                    381,548
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,201,974
<CHARGE-OFFS>                                   66,650
<RECOVERIES>                                     5,511
<ALLOWANCE-CLOSE>                            2,410,835
<ALLOWANCE-DOMESTIC>                         2,410,835
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0