Exhibit 23



                Independent Auditors' Consent





The Board of Directors
CCB Financial Corporation

We consent to incorporation by reference in the registration
statements (No. 33-51657 and No. 333-20457) on Form S-8 of
CCB Financial Corporation of our report dated June 9, 2000,
relating to the statements of net assets available for plan
benefits of the CCB Financial Corporation Retirement Savings
Plan (the "Plan") as of December 31, 1999 and 1998, and the
related statements of changes in net assets available for
plan benefits for the years then ended, which report appears
in the December 31, 1999 annual report on Form 11-K of the
Plan.

                                /s/  KPMG LLP

Raleigh, North Carolina
June 26, 2000