<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 1997 AND FOR THE SIX MONTHS
THEN ENDED 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         170,302
<INT-BEARING-DEPOSITS>                          21,953
<FED-FUNDS-SOLD>                               125,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,136,421
<INVESTMENTS-CARRYING>                          81,979
<INVESTMENTS-MARKET>                            86,118
<LOANS>                                        3979080
<ALLOWANCE>                                      51640
<TOTAL-ASSETS>                               5,658,964
<DEPOSITS>                                   4,818,258
<SHORT-TERM>                                   113,743
<LIABILITIES-OTHER>                            103,052
<LONG-TERM>                                    100,399
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        79,016
<OTHER-SE>                                     444,496
<TOTAL-LIABILITIES-AND-EQUITY>               5,658,964
<INTEREST-LOAN>                                176,398
<INTEREST-INVEST>                               36,070
<INTEREST-OTHER>                                 6,034
<INTEREST-TOTAL>                               218,502
<INTEREST-DEPOSIT>                              94,815
<INTEREST-EXPENSE>                              99,782
<INTEREST-INCOME-NET>                          118,720
<LOAN-LOSSES>                                    5,975
<SECURITIES-GAINS>                                  67
<EXPENSE-OTHER>                                 84,329
<INCOME-PRETAX>                                 63,759
<INCOME-PRE-EXTRAORDINARY>                      41,169
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    41,169
<EPS-PRIMARY>                                     2.61
<EPS-DILUTED>                                     2.61
<YIELD-ACTUAL>                                    4.79
<LOANS-NON>                                     11,976
<LOANS-PAST>                                     2,452
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,457
<ALLOWANCE-OPEN>                                50,547
<CHARGE-OFFS>                                    5,975
<RECOVERIES>                                     1,199
<ALLOWANCE-CLOSE>                               51,640
<ALLOWANCE-DOMESTIC>                            51,640
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,591    
        

</TABLE>