<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 1996 AND FOR THE SIX-MONTHS
THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<CIK> 0000714612
<NAME> CCB FINANCIAL CORPORATION
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                         214,260
<INT-BEARING-DEPOSITS>                       3,760,049
<FED-FUNDS-SOLD>                               198,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    890,440
<INVESTMENTS-CARRYING>                          75,822
<INVESTMENTS-MARKET>                            78,088
<LOANS>                                      3,499,741
<ALLOWANCE>                                     45,423
<TOTAL-ASSETS>                               5,060,468
<DEPOSITS>                                   4,310,617
<SHORT-TERM>                                   144,939
<LIABILITIES-OTHER>                             92,393
<LONG-TERM>                                     61,243
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        75,258
<OTHER-SE>                                     376,016
<TOTAL-LIABILITIES-AND-EQUITY>               5,060,468
<INTEREST-LOAN>                                156,730
<INTEREST-INVEST>                               30,190
<INTEREST-OTHER>                                 7,643
<INTEREST-TOTAL>                               194,563
<INTEREST-DEPOSIT>                              83,945
<INTEREST-EXPENSE>                              88,713
<INTEREST-INCOME-NET>                          105,850
<LOAN-LOSSES>                                    5,150
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                 74,867
<INCOME-PRETAX>                                 55,407
<INCOME-PRE-EXTRAORDINARY>                      55,407
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    36,116
<EPS-PRIMARY>                                     2.40
<EPS-DILUTED>                                     2.40
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                     11,980
<LOANS-PAST>                                     4,229
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 15,704
<ALLOWANCE-OPEN>                                44,218
<CHARGE-OFFS>                                    2,421
<RECOVERIES>                                       476
<ALLOWANCE-CLOSE>                               45,423
<ALLOWANCE-DOMESTIC>                            45,423
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,677