EXHIBIT 23

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM








The Board of Directors
Coastal Financial Corporation:

We consent to  incorporation  by reference in the  registration  statements (No.
333-49741, 333-01274, 333-54794 and 333-114040) on Form S-8 of Coastal Financial
Corporation of our report dated November 12, 2004,  relating to the consolidated
statements  of  financial   condition  of  Coastal  Financial   Corporation  and
subsidiaries  as of September  30, 2004 and 2003,  and the related  consolidated
statements of operations,  stockholders'  equity and comprehensive  income,  and
cash flows for each of the years in the  three-year  period ended  September 30,
2004, which report is incorporated by reference in the September 30, 2004 Annual
Report on Form 10-K of Coastal Financial Corporation.



Greenville, South Carolina
December 10, 2004