EXHIBIT 32.2



CHIEF FINANCIAL OFFICER'S CERTIFICATION REQUIRED UNDER SECTION 906 OF
SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of TIB Financial Corp. (the "Company")
on Form 10-Q for the period ended June 30, 2003, as filed with the Securities
and Exchange Commission (the "Report"), I, David P. Johnson, Executive Vice
President and Chief Financial Officer, certify pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that this Report fully complies with the
requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934
and that, to my knowledge, the information contained in the Report fairly
presents, in all material respects, the financial condition and results of
operation of the Company.
                                   /s/David P. Johnson
Date: August 8, 2003               _____________________________________
                                   David P. Johnson
                                   Executive Vice President and
                                        Chief Financial Officer


A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to TIB Financial Corp. and will be
retained by TIB Financial Corp. and furnished to the Securities and Exchange
Commission or its staff upon request.