<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the unaudited
consolidated financial statements as of March 31, 1996 and 1995 and for the
three-month periods then ended and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<CIK> 0000714612
<NAME> CCB FINANCIAL CORPORATION
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                         190,764
<INT-BEARING-DEPOSITS>                          60,732
<FED-FUNDS-SOLD>                               306,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    874,919
<INVESTMENTS-CARRYING>                          76,082
<INVESTMENTS-MARKET>                            80,016
<LOANS>                                      3,399,693
<ALLOWANCE>                                     44,218
<TOTAL-ASSETS>                               5,037,988
<DEPOSITS>                                   4,298,893
<SHORT-TERM>                                   128,080
<LIABILITIES-OTHER>                            101,599
<LONG-TERM>                                     68,936
<COMMON>                                        75,297
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     365,183
<TOTAL-LIABILITIES-AND-EQUITY>               5,037,988
<INTEREST-LOAN>                                 77,987
<INTEREST-INVEST>                               15,470
<INTEREST-OTHER>                                 3,562
<INTEREST-TOTAL>                                97,019
<INTEREST-DEPOSIT>                              42,265
<INTEREST-EXPENSE>                              44,377
<INTEREST-INCOME-NET>                           52,642
<LOAN-LOSSES>                                    2,000
<SECURITIES-GAINS>                                (15)
<EXPENSE-OTHER>                                 37,697
<INCOME-PRETAX>                                 27,089
<INCOME-PRE-EXTRAORDINARY>                      27,089
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,772
<EPS-PRIMARY>                                     1.18
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                     13,283
<LOANS-PAST>                                     2,768
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 16,543
<ALLOWANCE-OPEN>                                43,578
<CHARGE-OFFS>                                    1,868
<RECOVERIES>                                       508
<ALLOWANCE-CLOSE>                               44,218
<ALLOWANCE-DOMESTIC>                            44,218
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,504