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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-01-1999
<CASH>                                      12,714,900
<INT-BEARING-DEPOSITS>                          82,623
<FED-FUNDS-SOLD>                             9,378,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,063,823
<INVESTMENTS-CARRYING>                      44,386,623
<INVESTMENTS-MARKET>                        43,046,965
<LOANS>                                    269,769,287
<ALLOWANCE>                                  2,897,605
<TOTAL-ASSETS>                             371,809,897
<DEPOSITS>                                 336,329,794
<SHORT-TERM>                                 2,793,150
<LIABILITIES-OTHER>                          4,982,907
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       449,013
<OTHER-SE>                                  27,255,033
<TOTAL-LIABILITIES-AND-EQUITY>             371,809,897
<INTEREST-LOAN>                             16,760,020
<INTEREST-INVEST>                            3,203,249
<INTEREST-OTHER>                               840,815
<INTEREST-TOTAL>                            20,804,084
<INTEREST-DEPOSIT>                           8,300,573
<INTEREST-EXPENSE>                           8,362,305
<INTEREST-INCOME-NET>                       12,441,779
<LOAN-LOSSES>                                  420,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             12,624,245
<INCOME-PRETAX>                              4,512,815
<INCOME-PRE-EXTRAORDINARY>                   2,877,115
<EXTRAORDINARY>                                      0
<CHANGES>                                       47,047
<NET-INCOME>                                 2,830,068
<EPS-BASIC>                                        .65
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                    505,400
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,517,234
<CHARGE-OFFS>                                   87,340
<RECOVERIES>                                    47,711
<ALLOWANCE-CLOSE>                            2,897,605
<ALLOWANCE-DOMESTIC>                         2,897,605
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0