Exhibit 23



                Independent Auditors' Consent





The Board of Directors
CCB Financial Corporation

We consent to incorporation by reference in the Registration
Statement (No. 33-51657) on Form S-8 of CCB Financial
Corporation of our report dated May 8, 1996, relating to the
statements of net assets available for plan benefits of the
CCB Financial Corporation Retirement Savings Plan as of
December 31, 1995 and 1994, 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,
1995 annual report on Form 11-K of the CCB Financial
Corporation Retirement Savings Plan.

                                   /s/  KPMG Peat Marwick LLP

Raleigh, North Carolina
June 27, 1996