EXHIBIT 23.3
 
                         INDEPENDENT AUDITORS' CONSENT
 
The 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 for the year ended December 31, 1996,
incorporated herein by reference and to the reference to our firm under the
heading "Experts" in the Prospectus/Joint Proxy Statement for the merger with
CCB Financial Corporation.
 
                                         KPMG PEAT MARWICK LLP
 
Greenville, South Carolina
June 4, 1997