EXHIBIT 23.3
 
                         INDEPENDENT AUDITORS' CONSENT
 
Board of Directors
American Federal Bank, FSB
 
     We consent to the use of our report dated January 17, 1997 included in
American Federal Bank, FSB's Annual Report on Form 10-K for the year ended
December 31, 1996, incorporated by reference herein and to the reference to our
firm under the heading "Experts" in the Prospectus/Joint Proxy Statement for the
merger with CCB Financial Corporation.
 
                                         (sig for KPMG appears here)
                                         KPMG Peat Marwick LLP
 
Greenville, South Carolina
April 21, 1997