<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial statements of CCB Financial Corporation as of March 31,
1997 and 1996 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<CIK> 0000714612
<NAME> CCB FINANCIAL CORPORATION
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-30-1997
<CASH>                                         144,637
<INT-BEARING-DEPOSITS>                          42,771
<FED-FUNDS-SOLD>                               190,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,112,702
<INVESTMENTS-CARRYING>                          82,152
<INVESTMENTS-MARKET>                            85,444
<LOANS>                                      3,855,249
<ALLOWANCE>                                     50,135
<TOTAL-ASSETS>                               5,568,082
<DEPOSITS>                                   4,788,323
<SHORT-TERM>                                   112,617
<LIABILITIES-OTHER>                            107,681
<LONG-TERM>                                     56,726
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        78,920
<OTHER-SE>                                     423,815
<TOTAL-LIABILITIES-AND-EQUITY>               5,568,082
<INTEREST-LOAN>                                 87,065
<INTEREST-INVEST>                               16,406
<INTEREST-OTHER>                                 3,983
<INTEREST-TOTAL>                               107,454
<INTEREST-DEPOSIT>                              46,664
<INTEREST-EXPENSE>                              49,393
<INTEREST-INCOME-NET>                           58,061
<LOAN-LOSSES>                                    1,775
<SECURITIES-GAINS>                                  56
<EXPENSE-OTHER>                                 41,991
<INCOME-PRETAX>                                 31,722
<INCOME-PRE-EXTRAORDINARY>                      20,119
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    20,119
<EPS-PRIMARY>                                     1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                     13,553
<LOANS-PAST>                                     3,209
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,020
<ALLOWANCE-OPEN>                                50,547
<CHARGE-OFFS>                                    2,813
<RECOVERIES>                                       626
<ALLOWANCE-CLOSE>                               50,135
<ALLOWANCE-DOMESTIC>                            50,135
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,370
        

</TABLE>