(KPMG Peat Marwick LLP Letter head)

                              TAX ADVISORS' CONSENT


Board of Directors
Triad Bank

Board of Directors
United Carolina Bancshares Corporation

We  consent  to the  inclusion  of our tax  opinion  dated  November  29,  1995,
regarding the federal and North Carolina income tax  consequences of the Merger,
in Exhibit  No. 8 of the Form S-4  Registration  Statement  to be filed with the
Securities and Exchange  Commission and to the quotation or summarization of our
tax opinion and the references to our firm under the headings  "SUMMARY - Income
Tax  Consequences",  "PROPOSAL 1: THE MERGER - Certain Income Tax  Consequences"
and "TAX AND LEGAL MATTERS" in the Prospectus/Proxy Statement.


                                                     /s/ KPMG Peat Marwick LLP

                                                      KPMG Peat Marwick LLP

Raleigh, North Carolina
November 30, 1995




                      CONSENT OF INDEPENDENT AUDITORS

The Board of Directors
Triad Bank

We consent to the use of our report incorporated herein by reference, and to
the reference to our firm under the heading "Experts" in the Registration 
Statement. Our report refers to the fact that on January 1, 1994, Triad adopted
the provisions of the Financial Accounting Standards Board's Statement of 
Financial Accounting Standards No. 115, "Accounting for Certain Investments 
in Debt and Equity Securities," and on January 1, 1993 adopted the provisions 
of the Financial Accounting Standards Board's Statement of Financial Accounting
Standards No. 109, "Accounting for Income Taxes".

                                                  /s/ KPMG Peat Marwick LLP
                                                      KPMG Peat Marwick LLP

Greensboro, North Carolina
December 4, 1995



                       INDEPENDENT AUDITOR'S CONSENT

The Board of Directors
United Carolina Bancshares Corporation

We consent to incorporation by reference in the Registration Statement on 
Form S-4 of United Carolina Bancshares Corporation (the "Corporation") relating
to the merger with Triad Bank, of our report dated January 18, 1995, relating 
to the consolidated balance sheets of United Carolina Bancshares Corporation 
and subsidiaries as of December 31, 1994 and 1993, and the related consolidated
statements of income, stockholders' equity and cash flows for each of the 
years in the three-year period ended December 31, 1994, which report appears 
in the December 31, 1994 annual report on Form 10-K of United Carolina 
Bancshares Corporation, and the reference to our firm under the heading 
"Experts" in the Registration Statement. Our report dated January 18, 1995, 
refers to the fact that on December 31, 1993, the Corporation adopted the 
provisions of the Financial Accounting Standards Board's Statement of Financial
Accounting Standards No. 115, "Accounting for Certain Investments in Debt 
and Equity Securities", and on January 1, 1993, the Corporation adopted the 
provisions of the Financial Accounting Standards Board's Statement of Financial
Accounting Standards No. 109, "Accounting for Income Taxes." Our report 
also refers to the fact that on January 1, 1994, the Corporation adopted the 
provisions of the Financial Accounting Standards Board's Statement of 
Financial Accounting Standards No. 112, "Employers' Accounting for 
Postemployement Benefits".

                                                  /s/ KPMG Peat Marwick LLP
                                                      KPMG Peat Marwick LLP

Raleigh, North Carolina
December 5, 1995