<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE SIX MONTHS ENDED JUNE 30,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000714612
<NAME> CCB FINANCIAL CORPORATION
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                         235,174
<INT-BEARING-DEPOSITS>                          22,218
<FED-FUNDS-SOLD>                               220,194
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,524,871
<INVESTMENTS-CARRYING>                          74,795
<INVESTMENTS-MARKET>                            77,691
<LOANS>                                      5,492,776
<ALLOWANCE>                                     72,813
<TOTAL-ASSETS>                               7,745,694
<DEPOSITS>                                   6,504,012
<SHORT-TERM>                                   263,562
<LIABILITIES-OTHER>                            105,325
<LONG-TERM>                                    166,538
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       198,994
<OTHER-SE>                                     507,263
<TOTAL-LIABILITIES-AND-EQUITY>               7,745,694
<INTEREST-LOAN>                                234,167
<INTEREST-INVEST>                               44,344
<INTEREST-OTHER>                                10,258
<INTEREST-TOTAL>                               288,769
<INTEREST-DEPOSIT>                             112,505
<INTEREST-EXPENSE>                             124,186
<INTEREST-INCOME-NET>                          164,583
<LOAN-LOSSES>                                    7,487
<SECURITIES-GAINS>                                 529
<EXPENSE-OTHER>                                120,818
<INCOME-PRETAX>                                133,707
<INCOME-PRE-EXTRAORDINARY>                      85,838
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    85,838
<EPS-BASIC>                                       2.14
<EPS-DILUTED>                                     2.12
<YIELD-ACTUAL>                                    4.72
<LOANS-NON>                                     16,535
<LOANS-PAST>                                     4,582
<LOANS-TROUBLED>                                   725
<LOANS-PROBLEM>                                  6,662
<ALLOWANCE-OPEN>                                73,182
<CHARGE-OFFS>                                    7,349
<RECOVERIES>                                     1,460
<ALLOWANCE-CLOSE>                               72,813
<ALLOWANCE-DOMESTIC>                            72,813
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         21,535