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 June 9, 1998, relating to the statements of net assets 
available for plan benefits of the CCB Financial Corporation Retirement Savings
Plan as of December 31, 1997 and 1996, 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, 1997 annual report on Form 11-K of the CCB
Financial Corporation Retirement Savings Plan.

                                /s/  KPMG Peat Marwick LLP

Raleigh, North Carolina
June 26, 1998