<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,
1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                      19,875,437
<INT-BEARING-DEPOSITS>                      14,867,053
<FED-FUNDS-SOLD>                            10,098,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,473,408
<INVESTMENTS-CARRYING>                      46,384,030
<INVESTMENTS-MARKET>                        46,358,076
<LOANS>                                    257,531,407
<ALLOWANCE>                                  2,665,301
<TOTAL-ASSETS>                             394,300,590
<DEPOSITS>                                 362,126,168
<SHORT-TERM>                                 1,020,730
<LIABILITIES-OTHER>                          4,426,221
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       446,169
<OTHER-SE>                                  26,281,302
<TOTAL-LIABILITIES-AND-EQUITY>             394,300,590
<INTEREST-LOAN>                              5,415,629
<INTEREST-INVEST>                            1,037,878
<INTEREST-OTHER>                               300,639
<INTEREST-TOTAL>                             6,754,146
<INTEREST-DEPOSIT>                           2,674,639
<INTEREST-EXPENSE>                           2,686,521
<INTEREST-INCOME-NET>                        4,067,625
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,110,497
<INCOME-PRETAX>                              1,535,186
<INCOME-PRE-EXTRAORDINARY>                     978,886
<EXTRAORDINARY>                                      0
<CHANGES>                                       47,047
<NET-INCOME>                                   931,839
<EPS-PRIMARY>                                      .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                    374,689
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,517,234
<CHARGE-OFFS>                                   33,558
<RECOVERIES>                                     1,625
<ALLOWANCE-CLOSE>                            2,665,301
<ALLOWANCE-DOMESTIC>                         2,665,301
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0