The Board of Directors
CCB Financial Corporation


We consent to the use of our report dated January 23, 1996
included in CCB Financial Corporation's Form 10-K for the year
ended December 31, 1995 incorporated herein by reference in
the Registration Statement to register 24,488 shares of common
stock to be issued pursuant to the Amended and Restated Salem 
Trust Bank 1986 Incentive Stock Option Plan.

Our report refers to the fact that on January 1, 1994, CCB
Financial Corporation adopted the provisions of Statement of
Financial Accounting Standards ("SFAS") No. 115, "Accounting
for Certain Investments in Debt and Equity Securities," and on
January 1, 1993, CCB Financial Corporation adopted the
provisions of SFAS No. 106, "Employers' Accounting for
Postretirement Benefits Other Than Pensions," and SFAS No.
109, "Accounting for Income Taxes."


                                   KPMG PEAT MARWICK LLP

Raleigh, North Carolina
February 19, 1997