8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

November 26, 2008

Date of Report (Date of earliest event reported)

TIB FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Florida	0000-21329	65-0655973
(State or other jurisdiction of incorporation)	(Commission file number)	(IRS employer identification number)
599 9th Street North, Suite 101 Naples, Florida		34102-5624
(Address of principal executive offices)		(Zip Code)
	(239) 263-3344
(Registrant's telephone number, including area code)
	Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-k filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 8.01 OTHER EVENTS

On November 26, 2008, TIB Financial Corp. issued a press release announcing it will participate as a presenter at the 2008 Fall Investor Conference hosted by Friedman, Billings, Ramsey & Co., Inc. to be held December 2nd and 3rd.  A copy of the press release and the presentation materials used for the upcoming presentation are attached as Exhibit 99.1 and 99.2 to this Form 8-K.

The information contained in this Current Report shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the Exchange Act), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(a) Exhibits

99.1   Press Release FBR Capital Markets2008 Fall Investor Conference

99.2   Presentation material for FBR Capital Markets2008 Fall Investor Conference

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		TIB FINANCIAL CORP
Date:  November 26, 2008	By:	/s/  Stephen J. Gilhooly
		Stephen J. Gilhooly
		EVP, Chief Financial Officer and Treasurer

EX-99.1

TIB FINANCIAL CORP. To Present At

FBR Capital Markets

2008 Fall Investor Conference

Naples, FL (November 26, 2008) – TIB FINANCIAL CORP. (NASDAQ: TIBB), a financial services holding company focused on growth in the Florida market, today announced that it will address analysts and investors attending the 2008 Fall Investor Conference hosted by Friedman, Billings, Ramsey & Co., Inc. to be held December 2 – 3 at the Grand Hyatt New York Hotel in New York City, New York.

Thomas J. Longe, Chief Executive Officer and Stephen J. Gilhooly, Executive Vice President and Chief Financial Officer, will discuss the company’s strategy, recent business developments and market opportunities.  The presentation will occur at 11:30 am EST on December 2nd and may be accessed live through a webcast at www.wsw.com/webcast/fbr22/tibb.  Listeners must register upon login and are requested to access the site a few minutes ahead of the scheduled presentation. You may also access the webcast by going to our website at www.tibfinancialcorp.com.  A replay of the webcast will be retained on our website and will be available for 60 days after the event, beginning December 3rd.

Headquartered in Naples, Florida, TIB Financial Corp. is a growth-oriented financial services company with approximately $1.6 billion in total assets and 20 full-service banking offices throughout the Florida Keys, Homestead, Naples, Bonita Springs, Fort Myers, Venice and Sebring. TIB Financial Corp. is also the parent company of Naples Capital Advisors, Inc., a registered investment advisor with approximately $91 million of assets under advisement.

TIB Financial Corp., through its wholly owned subsidiaries, TIB Bank, The Bank of Venice and Naples Capital Advisors, Inc., serves the personal and commercial banking and investment management needs of local residents and businesses in its market areas. The companies’ experienced professionals are local community leaders, who focus on a relationship-based approach built around anticipating specific customer needs, providing sound advice and making timely decisions. To learn more about TIB Bank, The Bank of Venice and Naples Capital Advisors, Inc., visit www.tibbank.com, www.bankofvenice.com and www.naplescapitaladvisors.com, respectively.

Copies of recent news releases, SEC filings, price quotes, stock charts and other valuable information may be found on TIB’s investor relations site at www.tibfinancialcorp.com.  For more information, contact Thomas J. Longe, Chairman and Chief Executive Officer at (239) 659-5857, or Stephen J. Gilhooly, Executive Vice President and Chief Financial Officer, at (239) 659-5876.

Except for historical information contained herein, the statements made in this press release constitute "forward-looking" statements within the meaning of the Private Securities Litigation Reform Act of 1995, which invoke significant risks and uncertainties. Certain factors, including those outside the company's control, may cause actual results to differ materially from those discussed in the forward-looking statements.

EX-99.2

TIBB - FBR Capital Markets

Dec ‘08 #2

Forward Looking Statement

This presentation contains certain forward-looking statements including
those concerning the banking industry and the company’s operations,
performance, financial condition, and growth.For this purpose, any
statements contained in the presentation, that are notstatements of
historical facts may be deemed to be forward-looking statements.

 Without limiting the generality of the foregoing words such as “may”,

 “will,” “expect,” “believe,” “anticipate,” “intend,” “could,” “should,” “can,”
“estimate,” or “continue,” of the negative or other variations thereof or
comparable terminology are intended to identify forward-looking
statements.These statements by their nature involve substantial risks
and uncertainties, certain of which are beyond the company’s control,

 andactual results may differ materially depending on a variety of

 important factors, including competition, general economic conditions,

 potential changes in interest rates, and changes in the value of real

 estate securing loans made by the company, among other things.

TIBB - FBR Capital Markets

Dec ‘08 #3

3rd Largest Florida Independent; Largest Publicly Traded

Community Bank Headquartered in Southwest Florida

Founded 1974; HQ in Naples; $1.56B Assets; 20 Branches

10.7% Total Risk Based Capital; 7.6% Leverage Ratio;

TIB Bank and The Bank of Venice are also well-capitalized

Corporate Vision

We are managing the company over a 5 - 10 year horizon

to be the premier community banking institution
in all of our markets

Corporate Profile

Key West

TIB Branches

BOV Branches

Franchise

TIBB - FBR Capital Markets

Dec ‘08 #5

Strategic Positioning

We focus on middle market commercial banking

Owner-operated commercial real estate

Financing operating businesses

Underwriting based on cash flow

We are investing to diversity our revenue sources

We are optimizing our organic opportunities and
enhancing financial performance

Strategic Positioning
Makes Us Different

TIBB - FBR Capital Markets

Dec ‘08 #6

as of 9/30/2008

($ in millions)

Loan Composition

$1,226M

TIBB - FBR Capital Markets

Dec ‘08 #7

as of 9/30/2008

($ in millions)

CRE Loans by Collateral Type

$666.3M

TIBB - FBR Capital Markets

Dec ‘08 #8

as of 9/30/2008

($ in millions)

Construction & Development

Loan Analysis

$155.5M

TIBB - FBR Capital Markets

Dec ‘08 #9

	September 30, 2008			June 30, 2008
Loan Type	# of Loans	Outstanding Balance	% of Loans	# of Loans	Outstanding Balance	% of Loans
Residential	24	$4,639	2.4%	27	$5,207	2.9%
Commercial and agricultural	1	236	.36%	3	331	.49%
Commercial real estate	11	6,822	1.02%	5	1,532	.24%
Residential land development	-	-		-	-
Commercial land development	3	13,616	8.8%	4	13,954	8.9%
Participations in residential loan pools	-	-		-	-
Government guaranteed loan	2	349	.53%	1	343	.51%
Indirect auto and consumer loans	108	1,323	1.29%	95	1,234	1.1%
Total	149	$26,985	2.2%	135	$22,601	1.9%

($ in thousands)

As of 9/30/2008

Non-Performing Loans

TIBB - FBR Capital Markets

Dec ‘08 #10

As of 9/30/2008

Non-Performing Assets

Nonaccrual Loan Activity
Nonaccrual loans at June 30, 2008	$21,367
Loans returned to accrual	(201)
Principal paid down on nonaccrual loans	(490)
Charge-offs	(629)
Loans foreclosed	(377)
Loans placed on nonaccrual	5,992
Nonaccrual loans at September 30, 2008	$25,662

OREOActivity
OREO as of June 30, 2008	$5,037
Real estate foreclosures	377
Other increases	-
Write-down of value	(326)
Property sold	(440)
OREO at September 30, 2008	$4,648

TIBB - FBR Capital Markets

Dec ‘08 #11

Diversified loan portfolio by borrower and collateral type

Commercial Real Estate: Debt service coverage and cash flow underwriting discipline.
Collateral, value and guarantors are secondary sources of repayment

Closely monitor the commercial and construction and development loans, borrowers and
properties on a monthly and quarterly basis, for changes in financial condition and risk

Residential loan portfolio is a seasoned portfolio with the exception of the recent growth of
the portfolio

No significant delinquency beyond the current non accrual loans. Problem assets are
manageable.

Loan loss reserve of $18 million or 1.47% of loans.

TIBB - FBR Capital Markets

Dec ‘08 #12

Acquired The Bank of Venice

Acquired Naples Capital Advisors

TIB Bank Enhancements(Private Banking & Trust)

Containment of Indirect Auto Loan Problems

Strategic Capital Investment From Two

Leading Florida Families & Their Companies

Recent Initiatives to Diversify Revenue,
Improve Organic Growth and Profitability