Exhibit 23


                  INDEPENDENT AUDITORS' CONSENT


The Board of Directors
CCB Financial Corporation

We consent to incorporation by reference in Registration
Statements (No. 33-61268) on Form S-8, (No. 33-61272) on Form S
8, and (No. 33-61270) on Form S-8 of CCB Financial Corporation
of our report dated January 18, 1994, relating to the
consolidated balance sheets of CCB Financial Corporation and
subsidiaries as of December 31, 1993 and 1992, and the related
consolidated statements of income, shareholders' equity, and
cash flows for each of the years in the three-year period ended
December 31, 1993, which report appears in the December 31,
1993 annual report on Form 10-K of CCB Financial Corporation.


                                        KPMG Peat Marwick


Raleigh, North Carolina
July 15, 1994