The resistive tearing-mode instability of a current carrying plasma sheet is investigated including the stabilising photospheric line-tying boundary conditions. This end condition prohibits a single Fourier mode and so requires a series expansion in harmonics of the fundamental sheet excitation. Equilibria in which there exist field lines that do not connect to the photosphere are unstable provided the ratio of the sheet length to characteristic transverse scale is smaller than a critical value that depends on the equilibrium profile. Line-tying has a strong stabilising effect on the fundamental periodic mode. That tearing mode harmonic which develops close to the instability threshold, leads to a configuration with one X point and one 0 point. Its linear growth rate follows the usual constant-ψ scaling with resistivity γ ∼ S -3/5, where S is the magnetic Reynolds number.