POWER OF ATTORNEY

            KNOW ALL MEN BY THESE PRESENTS, that each of CCB
Financial Corporation, and the several undersigned officers and
directors thereof whose signatures appear below hereby makes,
constitutes and appoints Ernest C. Roessler and W. Harold Parker,
or either of them, its and his or her true and lawful attorneys,
with full power of substitution to execute, deliver and file in its
or his or her name and on its or his or her behalf, and in each of
the undersigned officer's and director's capacity or capacities as
shown below, (a) Registration Statements on Form S-8 (or other
appropriate form) with respect to the registration under the
Securities Act of 1933, as amended, of the shares of Common Stock
of CCB Financial Corporation, par value $5.00 per share, to be
issued pursuant to the 1993 Nonstatutory Stock Option Plan and the
1993 Management Recognition Plan for CCB Savings Bank of Lenoir,
Inc., SSB adopted by CCB Financial Corporation for the benefit of
the directors and employees of certain of its subsidiary
corporations and all documents in support thereof or supplemental
thereto and any and all amendments, including any and all post-
effective amendments, to the foregoing (hereinafter called the
"Registration Statements"), (b) such registration statements,
petitions, applications, consents to service of process or other
instruments, any and all documents in support thereof or
supplemental thereto, and any and all amendments or supplements to
the foregoing, as may be necessary or advisable to qualify or
register the securities covered by said Registration Statement; and
each of CCB Financial Corporation and said officers and directors
hereby grants to said attorneys, or any of them, full power and
authority to do and perform each and every act and thing whatsoever
as said attorney may deem necessary or advisable to carry out fully
the intent of this power of attorney to the same extent and with
the same effect as CCB Financial Corporation might or could do, and
as each of said officers and directors might or could do personally
in his or her capacity or capacities as aforesaid, and each of CCB
Financial Corporation and said officers and directors hereby
ratifies and confirms all acts and things which said attorneys
might do or cause to be done by virtue of this power of attorney
and its or his or her signatures as the same may be signed by said
attorneys to any or all of the following (and/or any and all
amendments and supplements to any or all thereof):  such
Registration Statements filed under the Securities Act of 1933, as
amended, and all such registration statements, petitions,
applications, consents to service of process and other instruments,
and any all documents in support thereof or supplemental thereto,
filed under such securities laws, regulations and requirements as
may be applicable.

            IN WITNESS WHEREOF, CCB Financial Corporation has caused
this power of attorney to be signed on its behalf, and each of the
undersigned Officers and Directors in the capacity or capacities
noted has hereunto set his or her hand on the date indicated below.

                              CCB FINANCIAL CORPORATION
                              (Registrant)

                              By:/s/ Ernest C. Roessler        
                                 Ernest C. Roessler

                              Date: 11, 1994



  Signature                         Title               Date
/s/ Ernest C. Roessler            President and     May 11, 1994
Ernest C. Roessler                Director
                                  (Principal
                                  Executive
                                  Officer)

/s/ W. Harold Parker, Jr.         Senior Vice       May 11, 1994
W. Harold Parker, Jr.             President and
                                  Controller
                                  (Principal
                                  Financial and
                                  Accounting
                                  Officer)

/s/ W. L. Burns, Jr.              Chairman of       May 11, 1994
W. L. Burns, Jr.                  the Board

J. Harper Beall, III              Director           ________, 1994

/s/ James B. Brame, Jr.            Director         May 11, 1994
James B. Brame, Jr.

/s/ Timothy B. Burnett            Director          May 11, 1994
Timothy B. Burnett

/s/ Arthur W. Clark               Director          May 11, 1994
Arthur W. Clark

/s/ Kinsley van R. Dey            Director          May 11, 1994
Kinsley van R. Dey

/s/ Frances Hill Fox              Director          May 11, 1994
Frances Hill Fox

T. E. Haigler, Jr.                Director           ________, 1994

/s/ George R. Herbert             Director           May 11, 1994
George R. Herbert

Edward S. Holmes                  Director           ________, 1994

Owen G. Kenan                     Director           ________, 1994
                                  
Eugene J. McDonald                Director           ________, 1994

Hamilton W. McKay, Jr., M.D.      Director           ________, 1994

/s/ Eric B. Munson                Director           May 11, 1994
Eric B. Munson

John B. Stedman                   Director           ________, 1994

H. Allen Tate, Jr.                Director           ________, 1994

/s/ Phail Wynn, Jr.               Director           May 11, 1994
Dr. Phail Wynn, Jr.