EXHIBIT 23.2
                         INDEPENDENT AUDITORS' CONSENT
THE BOARD OF DIRECTORS
SECURITY CAPITAL BANCORP
     We consent to the use of our report dated January 28, 1994 included in
Security Capital Bancorp's Form 10-K for the year ended December 31, 1993
incorporated herein by reference and to the reference to our firm under the
heading "Experts" in the Joint Proxy Statement/Prospectus for the merger with
CCB Financial Corporation.
                                         (Signature of KPMG Peat Marwick LLP)
                                         KPMG PEAT MARWICK LLP
Charlotte, North Carolina
December 19, 1994