<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF CCB FINANCIAL CORPORATION AND SUBSIDIARIES
AS OF SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000714612
<NAME> CCB FINANCIAL CORPORATION
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         190,217
<INT-BEARING-DEPOSITS>                          60,167
<FED-FUNDS-SOLD>                               170,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    904,857
<INVESTMENTS-CARRYING>                          74,197
<INVESTMENTS-MARKET>                            77,292
<LOANS>                                      3,622,345
<ALLOWANCE>                                     47,255
<TOTAL-ASSETS>                               5,157,844
<DEPOSITS>                                   4,397,815
<SHORT-TERM>                                   143,058
<LIABILITIES-OTHER>                             96,221
<LONG-TERM>                                     59,046
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        75,307
<OTHER-SE>                                     386,397
<TOTAL-LIABILITIES-AND-EQUITY>               5,157,844
<INTEREST-LOAN>                                238,042
<INTEREST-INVEST>                               45,445
<INTEREST-OTHER>                                11,051
<INTEREST-TOTAL>                               294,538
<INTEREST-DEPOSIT>                             126,939
<INTEREST-EXPENSE>                             134,433
<INTEREST-INCOME-NET>                          160,104
<LOAN-LOSSES>                                    9,000
<SECURITIES-GAINS>                                 511
<EXPENSE-OTHER>                                121,659
<INCOME-PRETAX>                                 75,518
<INCOME-PRE-EXTRAORDINARY>                      75,518
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    51,151
<EPS-PRIMARY>                                     3.40
<EPS-DILUTED>                                     3.40
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                     11,785
<LOANS-PAST>                                     4,223
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,620
<ALLOWANCE-OPEN>                                43,578
<CHARGE-OFFS>                                    6,818
<RECOVERIES>                                     1,495
<ALLOWANCE-CLOSE>                               47,255
<ALLOWANCE-DOMESTIC>                            47,255
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,946
        

</TABLE>