<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 June 30, 1998 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         226,419
<INT-BEARING-DEPOSITS>                          55,699
<FED-FUNDS-SOLD>                               307,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,315,158
<INVESTMENTS-CARRYING>                          80,562
<INVESTMENTS-MARKET>                            85,115
<LOANS>                                      5,217,204
<ALLOWANCE>                                     69,645
<TOTAL-ASSETS>                               7,350,334
<DEPOSITS>                                   6,168,319
<SHORT-TERM>                                   256,215
<LIABILITIES-OTHER>                             89,154
<LONG-TERM>                                    176,372
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       202,948
<OTHER-SE>                                     457,326
<TOTAL-LIABILITIES-AND-EQUITY>               7,350,334
<INTEREST-LOAN>                                232,208
<INTEREST-INVEST>                               45,962
<INTEREST-OTHER>                                 8,029
<INTEREST-TOTAL>                               286,199
<INTEREST-DEPOSIT>                             116,446
<INTEREST-EXPENSE>                             127,202
<INTEREST-INCOME-NET>                          158,997
<LOAN-LOSSES>                                    6,786
<SECURITIES-GAINS>                                 983
<EXPENSE-OTHER>                                113,010
<INCOME-PRETAX>                                 93,446
<INCOME-PRE-EXTRAORDINARY>                      59,260
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    59,260
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.42
<YIELD-ACTUAL>                                    4.78
<LOANS-NON>                                     14,976
<LOANS-PAST>                                     2,795
<LOANS-TROUBLED>                                   769
<LOANS-PROBLEM>                                  7,403
<ALLOWANCE-OPEN>                                67,594
<CHARGE-OFFS>                                    6,043
<RECOVERIES>                                     1,308
<ALLOWANCE-CLOSE>                               69,645
<ALLOWANCE-DOMESTIC>                            69,645
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,372
        

</TABLE>