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 April 30,
1999, relating to the statements of net assets available for
plan benefits of the CCB Financial Corporation Retirement
Savings Plan as of December 31, 1998 and 1997, 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, 1998 annual report on Form 11-K of the
CCB Financial Corporation Retirement Savings Plan.

	/s/  KPMG LLP

Raleigh, North Carolina
June 24, 1999