INDEPENDENT AUDITORS' CONSENT

The Board of Directors
CCB Financial Corporation


We consent to the use of our report dated January 21, 1997
included in CCB Financial Corporation's Form 10-K for the year
ended December 31, 1996 incorporated herein by reference and
to the reference to our firm under the heading "Experts" in
the Registration Statement to register 19,343 shares of stock
to be issued pursuant to the 1995 Directors Performance Plan
of American Federal Bank, FSB.

Our report dated January 21, 1997 refers to the fact that on
January 1, 1994, CCB Financial Corporation adopted the
provisions of Statement of Financial Accounting Standards No.
115, "Accounting for Certain Investments in Debt and Equity
Securities".


                                   KPMG PEAT MARWICK LLP

Raleigh, North Carolina
August 22, 1997