Major constituents of the benthic reef community (stony corals, algae) were assessed in 28 reefs on the Caicos, Turks and Mouchoir Banks. Living stony coral cover ranged from 8-28%, averaging 18% overall. Montastraea annularis and M. faveolata of “intermediate” sizes (cm) dominated all examined reefs. Acropora palmata and A. cervicornis were scarce. The most frequently recruiting scleractinians were Porites astreoides and Agaricia agaricites; Montastraea recruits were uncommon. Old partial-colony mortality (overall mean = 23%) was greater than recent partial-colony mortality (mean = 3%). Crustose coralline algae and turf algae were generally more abundant than macroalgae. Mouchoir Bank, with the most isolated reefs, was in relatively poor condition, which suggests that remoteness alone does not protect coral reefs.