EXHIBIT 23.2
 
                         INDEPENDENT AUDITORS' CONSENT
 
The Board of Directors
CCB Financial Corporation
 
     We consent to the use of our report dated January 21, 1997 included in CCB
Financial Corporation's Form 10-K for the year ended December 31, 1996
incorporated herein by reference and to the reference to our firm under the
heading "Experts" in the Proxy Statement/Prospectus for the acquisition of
American Federal Bank, FSB.
 
     Our report dated January 21, 1997 refers to the fact that on January 1,
1994, CCB Financial Corporation adopted the provisions of Statement of Financial
Accounting Standards No. 115, "Accounting for Certain Investments in Debt and
Equity Securities."
 
                                         KPMG PEAT MARWICK LLP
 
Raleigh, North Carolina
April 22, 1997