1





                                                                    EXHIBIT 23.1


                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS


TIB FINANCIAL CORP.
KEY LARGO, FLORIDA

We hereby consent to the incorporation by reference of our report dated February
16, 2001, relating to the consolidated financial statements of TIB Financial
Corp. and subsidiaries included in the Company's Annual Report on Form 10-K as
of and for the three years ended December 31, 2000, in the Registration
Statement on Form S-8 pertaining to the TIB Financial Corp. Incentive Stock
Option Plan and Nonstatutory Stock Option Plan as Amended.


                                          /s/   BDO SEIDMAN, LLP
                                          ----------------------
                                          BDO Seidman, LLP




Atlanta, Georgia
March 27, 2001