EXHIBIT 23.1


                         CONSENT OF INDEPENDENT AUDITORS

We consent to the reference to our firm under the caption "Experts" and in
Footnote 1 of both the Summary Consolidated Financial Information and Selected
Consolidated Financial Data tables and to the use of our reports dated August 8,
2002, in the Registration Statement (Form S-3) and related Prospectus of Texas
Capital Bancshares, Inc. for the registration of shares of its common stock.

                                             /s/ Ernst & Young LLP


Dallas, Texas
August 8, 2002