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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001140361-08-009345.txt : 20080410
<SEC-HEADER>0001140361-08-009345.hdr.sgml : 20080410
<ACCEPTANCE-DATETIME>20080410185801
ACCESSION NUMBER:		0001140361-08-009345
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080410
FILED AS OF DATE:		20080410
DATE AS OF CHANGE:		20080410

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TIB FINANCIAL CORP.
		CENTRAL INDEX KEY:			0001013796
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				650655973
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		599 9TH STREET NORTH
		STREET 2:		SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102-5624
		BUSINESS PHONE:		239-263-3344

	MAIL ADDRESS:	
		STREET 1:		599 9TH STREET NORTH
		STREET 2:		SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102-5624

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TIB FINANCIAL CORP
		DATE OF NAME CHANGE:	19960508

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Morris Michael Helm
		CENTRAL INDEX KEY:			0001431998

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21329
		FILM NUMBER:		08751025

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		239-263-3344

	MAIL ADDRESS:	
		STREET 1:		599 9TH STREET NORTH, SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2008-04-10</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001013796</issuerCik>
        <issuerName>TIB FINANCIAL CORP.</issuerName>
        <issuerTradingSymbol>TIBB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001431998</rptOwnerCik>
            <rptOwnerName>Morris Michael Helm</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>599 9TH STREET NORTH,SUITE 101</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>NAPLES</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>34102</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>TIB Bank-EVP/NCA Inc-CEO&amp;Pres</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock, $0.10 par value</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>11666</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock, $0.10 par value</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>Michael H. Morris Trust</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">Restricted Stock Grant November 30, 2007 vesting over three years: 3,889 shares annually  November 30, 2008 and November 30, 2009 and 3,888 shares vesting November 30, 2010.</footnote>
    </footnotes>

    <remarks>Executive Officer of TIB Bank</remarks>

    <ownerSignature>
        <signatureName>Vicki L. Walker, Attorney In Fact for Michael Helm Morris</signatureName>
        <signatureDate>2008-04-11</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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