<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,
1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                      17,147,788
<INT-BEARING-DEPOSITS>                      10,285,086
<FED-FUNDS-SOLD>                            11,128,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 25,706,890
<INVESTMENTS-CARRYING>                      46,384,044
<INVESTMENTS-MARKET>                        45,044,740
<LOANS>                                    261,904,097
<ALLOWANCE>                                  2,780,966
<TOTAL-ASSETS>                             392,131,527
<DEPOSITS>                                 358,044,107
<SHORT-TERM>                                 2,304,657
<LIABILITIES-OTHER>                          4,251,281
<LONG-TERM>                                    399,625
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       448,016
<OTHER-SE>                                  26,683,841
<TOTAL-LIABILITIES-AND-EQUITY>             392,131,527
<INTEREST-LOAN>                             11,068,276
<INTEREST-INVEST>                            2,110,839
<INTEREST-OTHER>                               598,419
<INTEREST-TOTAL>                            13,777,534
<INTEREST-DEPOSIT>                           5,440,012
<INTEREST-EXPENSE>                           5,472,462
<INTEREST-INCOME-NET>                        8,305,072
<LOAN-LOSSES>                                  300,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,551,621
<INCOME-PRETAX>                              3,040,511
<INCOME-PRE-EXTRAORDINARY>                   1,939,511
<EXTRAORDINARY>                                      0
<CHANGES>                                       47,047
<NET-INCOME>                                 1,892,464
<EPS-BASIC>                                      .43
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    4.73
<LOANS-NON>                                    130,186
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,517,234
<CHARGE-OFFS>                                   78,675
<RECOVERIES>                                    42,407
<ALLOWANCE-CLOSE>                            2,780,966
<ALLOWANCE-DOMESTIC>                         2,780,966
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0