EXHIBIT 23.5
                        CONSENT OF INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Experts" in this
Registration Statement and related Prospectus of CCB Financial Corporation and
to the incorporation by references therein of our report dated February 3, 1994,
with respect to the consolidated financial statements of First Federal Savings
and Loan Association of Charlotte included in Security Capital Bancorp's Current
Report on Form 8-K dated December 6, 1994 filed with the Securities and Exchange
Commission.
                                         ERNST & YOUNG LLP
Winston-Salem, North Carolina
December 19, 1994