Exhibit 23.1

                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in Registration Statement Nos.
333-30515 and 333-106092 on Form S-8 and Registration Statement No. 333-113489
on Form S-3 of TIB Financial Corp. of our report dated February 13, 2004,
appearing in this annual report on Form 10-K of TIB Financial Corp. for the year
ended December 31, 2003.

                                    /s/ Crowe Chizek and Company LLC
                                    --------------------------------------------
                                        Crowe Chizek and Company LLC

Fort Lauderdale, Florida
March 25, 2004