Exhibit 23



                Independent Auditors' Consent





The Board of Directors
CCB Financial Corporation

We consent to incorporation by reference in the Registration
Statements (No. 33-51657 and No. 333-20457) on Form S-8 of
CCB Financial Corporation of our report dated May 2, 1997,
relating to the statements of net assets available for plan
benefits of the CCB Financial Corporation Retirement Savings
Plan as of December 31, 1996 and 1995, 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, 1996 annual report on Form 11-K of the CCB
Financial Corporation Retirement Savings Plan.

                                /s/  KPMG Peat Marwick LLP

Raleigh, North Carolina
June 27, 1997