<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, 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         256,065
<INT-BEARING-DEPOSITS>                          53,073
<FED-FUNDS-SOLD>                               222,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,283,103
<INVESTMENTS-CARRYING>                          80,334
<INVESTMENTS-MARKET>                            85,955
<LOANS>                                      5,360,547
<ALLOWANCE>                                     71,543
<TOTAL-ASSETS>                               7,407,269
<DEPOSITS>                                   6,216,989
<SHORT-TERM>                                   235,759
<LIABILITIES-OTHER>                             91,672
<LONG-TERM>                                    176,220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       202,994
<OTHER-SE>                                     483,635
<TOTAL-LIABILITIES-AND-EQUITY>               7,407,269
<INTEREST-LOAN>                                351,610
<INTEREST-INVEST>                               67,373
<INTEREST-OTHER>                                12,899
<INTEREST-TOTAL>                               431,882
<INTEREST-DEPOSIT>                             175,384
<INTEREST-EXPENSE>                             191,806
<INTEREST-INCOME-NET>                          240,076
<LOAN-LOSSES>                                   11,564
<SECURITIES-GAINS>                               1,389
<EXPENSE-OTHER>                                171,904
<INCOME-PRETAX>                                139,441
<INCOME-PRE-EXTRAORDINARY>                      89,623
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    89,623
<EPS-PRIMARY>                                     2.18
<EPS-DILUTED>                                     2.16
<YIELD-ACTUAL>                                    4.77
<LOANS-NON>                                     16,936
<LOANS-PAST>                                     2,987
<LOANS-TROUBLED>                                   756
<LOANS-PROBLEM>                                  6,754
<ALLOWANCE-OPEN>                                67,594
<CHARGE-OFFS>                                    9,496
<RECOVERIES>                                     1,881
<ALLOWANCE-CLOSE>                               71,543
<ALLOWANCE-DOMESTIC>                            71,543
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,600
        

</TABLE>