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
22, 2002, relating to the consolidated financial statements of TIB Financial
Corp. and subsidiaries included in the Company's Annual Report on Form 10-K for
the year ended December 31, 2001, 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, 2002