EXHIBIT 1


                                                                  April 25, 2005

Mr. Richard C. Bricker, Jr.
Chairman, Corporate Governance Committee
TIB Financial Corp.
599 9th Street N
Naples, FL 34102

Re: Resignation

During a previous meeting that you had with me, you explained that the TIB
Financial Corp. Corporate Governance Committee was recommending to the Board
that the composition of the Board should be changed to include only one inside
Director, that this inside Director was to be the company's CEO and that the
number of Directors on both Boards would be reduced to eight members. Therefore,
I would be asked to step down from the Board prior to the company's annual
meeting to be held on April 26, 2005 even though my current term on the Board
does not expire until the 2006 annual meeting. The Board was presented with
your recommendation and it was approved.

In order to comply with the wishes of the Board, and in order to effect a smooth
and cooperative transition, and in consideration of the best interests of the
company, I am herewith submitting my resignation, effective April 25, 2005,
from the Board of Directors of both TIB Financial Corp. and TIB Bank for these
stated reasons, and these reasons only.


Sincerely,

/s/ Millard J. Younkers, Jr.

Millard J. Younkers, Jr.
Executive Vice President