EXHIBIT 23

                                  INDEPENDENT AUDITORS' CONSENT


The Board of Directors
CCB Financial Corporation


We consent to incorporation by reference in the Registration Statement
(No. 33-51657) on Form S-8 of CCB Financial Corporation of our report
dated May 19, 1995, relating to the statements of net assets available
for plan benefits of the CCB Financial Corporation Retirement Savings
Plan as of December 31, 1994 and 1993, 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, 1994 annual report on
Form 11-K of the CCB Financial Corporation Retirement Savings Plan.






                                           KPMG Peat Marwick LLP
North Carolina
June 28, 1995