EXHIBIT 99.1
                           CCB FINANCIAL CORPORATION
                              111 Corcoran Street
                          Durham, North Carolina 27701
                         REVOCABLE APPOINTMENT OF PROXY
                      SOLICITED BY THE BOARD OF DIRECTORS
   The undersigned hereby appoints Richard W. Every, W. Harold Parker, Jr., and
Manuel L. Rojas (the "Proxies"), or any of them, as proxies, with full power of
substitution, to represent and vote, as directed below, all shares of the common
stock of CCB Financial Corporation ("CCBF") held of record by the undersigned on
January  , 1995, at the Special Meeting of Shareholders of CCBF (the "CCBF
Special Meeting") to be held at the George Watts Hill Alumni Center, Stadium
Drive at Ridge Road on the campus of the University of North Carolina at Chapel
Hill, Chapel Hill, North Carolina, at      .m., E.S.T., on March  , 1995, and at
any adjournments thereof. The undersigned hereby directs that the shares
represented by this appointment of proxy be voted as follows on the proposals
listed below:
    1. PROPOSAL TO APPROVE MERGER. Proposal to approve the Amended and Restated
       Agreement of Combination, dated as of December 1, 1994, and the related
       plan of merger (collectively, the "Merger Agreement"), among CCBF,
       Security Capital Bancorp ("SCBC") and New Security Capital, Inc. ("NSC"),
       and to approve the transactions described therein, including without
       limitation the issuance of up to a maximum of 6,080,462 shares of CCBF's
       $5.00 par value common stock to effect the combination of SCBC and CCBF
       through the merger of NSC into SCBC with the result that SCBC will become
       a wholly-owned subsidiary of CCBF.
        FOR [ ]               AGAINST [ ]               ABSTAIN [ ]
    2. PROPOSAL TO APPROVE BYLAW AMENDMENT. Proposal to approve an amendment to
       Article III, Sections 2 and 6, of CCBF's Bylaws to provide that, within
       the specific minimum and maximum numbers, CCBF's Board of Directors from
       time to time may set and change the actual number of directors of CCBF
       and may appoint directors to fill vacancies created by any such
       increases.
        FOR [ ]               AGAINST [ ]                ABSTAIN [ ]
    3. OTHER BUSINESS. On such other matters as properly may come before the
       CCBF Special Meeting, the Proxies are authorized to vote the shares
       represented by this appointment of proxy in accordance with their best
       judgment.
    PLEASE MARK, SIGN AND DATE THIS APPOINTMENT OF PROXY ON THE REVERSE SIDE AND
    PROMPTLY RETURN IT USING THE ENCLOSED ENVELOPE.
 

   THE SHARES REPRESENTED BY THIS APPOINTMENT OF PROXY WILL BE VOTED AS DIRECTED
ABOVE. IN THE ABSENCE OF ANY DIRECTION, THE PROXIES WILL VOTE THE SHARES
REPRESENTED BY THIS APPOINTMENT OF PROXY FOR PROPOSALS 1 AND 2. SHOULD OTHER
MATTERS PROPERLY COME BEFORE THE CCBF SPECIAL MEETING, THE PROXIES WILL BE
AUTHORIZED TO VOTE THE SHARES REPRESENTED BY THIS APPOINTMENT OF PROXY IN
ACCORDANCE WITH THEIR BEST JUDGMENT. THIS APPOINTMENT OF PROXY MAY BE REVOKED BY
THE HOLDER OF THE SHARES TO WHICH IT RELATES AT ANY TIME BEFORE IT IS EXERCISED
BY FILING WITH THE SECRETARY OF CCBF A WRITTEN INSTRUMENT REVOKING IT OR A DULY
EXECUTED APPOINTMENT OF PROXY BEARING A LATER DATE OR BY ATTENDING THE CCBF
SPECIAL MEETING AND ANNOUNCING HIS OR HER INTENTION TO VOTE IN PERSON.
   By signing this proxy, the undersigned hereby acknowledges receipt of the
Notice of Special Meeting, dated February  , 1995, and the accompanying
Prospectus/Joint Proxy Statement of CCBF and SCBC.
                                              Dated:                      , 1995
                                              Signature of Owner of Shares
                                              Signature of Joint Owner of Shares
                                              (if any)
                                              INSTRUCTION: Please sign above
                                              exactly as your name appears on
                                              this appointment of proxy. Joint
                                              owners of shares should both sign.
                                              Fiduciaries or other persons
                                              signing in a representative
                                              capacity should indicate the
                                              authorized capacity in which they
                                              are signing.
IMPORTANT: TO INSURE THAT A QUORUM IS PRESENT AT THE CCBF SPECIAL MEETING,
PLEASE SEND IN YOUR APPOINTMENT OF PROXY WHETHER OR NOT YOU PLAN TO ATTEND. EVEN
IF YOU SEND IN YOUR APPOINTMENT OF PROXY, YOU WILL BE ABLE TO VOTE IN PERSON AT
THE CCBF SPECIAL MEETING IF YOU SO DESIRE.