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| For      the fiscal year endedDecember      31, 2008 |   | Commission      file number000-21329 |
|------------------------------------------------------|--------|--------------------------------------|

| Florida(State      of Incorporation)                                                                     |   | 65-0655973(I.R.S.      EmployerIdentification      No.) |
|----------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------|
| 599      9th Street NorthSuite      101Naples,      Florida(Address      of Principal Executive Offices) |   |   34102(Zip      Code)                        |
|                                                                                                     |   |                                                    |
| (239)      263-3344(Registrant’s      telephone number)                                            |

| Securities      Registered pursuant to Section 12(b) of the Act: Common stock, par value      $0.10                                                                                                                                                                                                                                                                                                |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Securities      Registered pursuant to Section 12(g) of the Act: None                                                                                                                                                                                                                                                                                                                              |
| Indicate      by check mark if the issuer is a well-known seasoned issuer, as defined in      Rule 405 of the Securities Act.  ̈ Yes or þ No                                                                                                                                                                                                                                              |
| Indicate      by check mark if the issuer is not required to file reports pursuant to      Section 13 or Section 15(d) of the Act. oYes or þNo                                                                                                                                                                                                                                                |
| Indicate      by check mark whether the issuer (1) has filed all reports required to be      filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during      the preceding 12 months (or for such shorter period that the issuer was      required to file such reports), and (2) has been subject to such filing      requirements for the past 90 days. þ Yes or  ̈ No  |
| Check      if there is no disclosure of delinquent filers pursuant to Item 405 of      Regulation S-K contained in this form, and will not be contained, to the      best of issuer’s knowledge, in definitive proxy or information statements      incorporated by reference in Part III of this Form 10-K or any amendment      to this Form 10-K. þ                                  |
| Indicate      by check mark whether the registrant is a large accelerated filer, an      accelerated filer, a non-accelerated filer, or a small reporting      company.  See the definitions of “large accelerated filer,”      “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the      Exchange Act.                               |
|     Large      accelerated filer  ̈ Non-accelerated      filer  ̈ (Do      not check if a smaller reporting company)                                                                                                                                                                                                                                              | Accelerated      filer þ Smaller      reporting company  ̈  |   |
| Indicate      by check mark whether the registrant is a shell company (as defined in      Rule 12b-2 of the Exchange Act).  ̈ Yes or þ No                                                                                                                                                                                                                                                 |
| The      aggregate market value of the voting stock held by non-affiliates of the      registrant as of June 30, 2008 was approximately $81,565,000 based on the      $5.88 per share closing price on June 30, 2008.                                                                                                                                                                              |
| The      number of shares outstanding of issuer’s class of common stock at February      28, 2009 was 14,457,708 shares of common stock.                                                                                                                                                                                                                                                     |
| Documents      Incorporated By Reference: Portions of the Proxy Statement for the 2009      Annual Meeting of Shareholders to be filed with the Securities and      Exchange Commission within 120 days of the Registrant’s 2008 fiscal year      end are incorporated by reference into Parts II and III of this      report.                                                                    |

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|   | SIGNATURES |
|--------|------------|

|   |   |   | TIB      FINANCIAL CORP.                                          |
|--------|--------|--------|------------------------------------------------------------------------|
|   |   | By:    | /s/Thomas J.      Longe                                                |
|   |   |   | Thomas      J. LongeChairman,      Chief Executive Officer andDirector |

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| Signature                                    |   | Title                                                     |
|----------------------------------------------|--------|-----------------------------------------------------------|
|   /s/Thomas      J. Longe          |   |  Chairman,      Chief Executive Officer and Director |
| Thomas      J. Longe                         |   |                                                      |
|   /s/Bradley      A Boaz           |   | Director                                                  |
| Bradley      A Boaz                          |   |                                                      |
|   /s/Richard      C. Bricker, Jr.  |   |  Director                                            |
| Richard      C. Bricker, Jr.                 |   |                                                      |
|   /s/Howard      B. Gutman         |   | Director                                                  |
| Howard      B. Gutman                        |   |                                                      |
|   /s/Paul      O. Jones, Jr., M.D. |   |  Director                                            |
| Paul      O. Jones, Jr., M.D.                |   |                                                      |
|   /s/Edward      V. Lett           |   |  Director                                            |
| Edward      V. Lett                          |   |                                                      |
|   /s/John      G. Parks, Jr.       |   | Director                                                  |
| John      G. Parks, Jr.                      |   |                                                      |
|   /s/Marvin      F. Schindler      |   |  Director                                            |
| Marvin      F. Schindler                     |   |                                                      |
|   /s/Otis      T. Wallace          |   |  Director                                            |
| Otis      T. Wallace                         |   |                                                      |

|  /s/Stephen      J. Gilhooly |   |  Chief      Financial Officer and Treasurer |
|-----------------------------------|--------|--------------------------------------------------|
| Stephen      J. Gilhooly          |   |                                             |
|                              |   |                                             |

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