<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 March 31, 1999 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         268,788
<INT-BEARING-DEPOSITS>                          48,328
<FED-FUNDS-SOLD>                               468,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,378,658
<INVESTMENTS-CARRYING>                          75,435
<INVESTMENTS-MARKET>                            80,210
<LOANS>                                      5,406,258
<ALLOWANCE>                                     72,093
<TOTAL-ASSETS>                               7,803,425
<DEPOSITS>                                   6,548,183
<SHORT-TERM>                                   250,308
<LIABILITIES-OTHER>                             99,106
<LONG-TERM>                                    216,595
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       200,290
<OTHER-SE>                                     488,943
<TOTAL-LIABILITIES-AND-EQUITY>               7,803,425
<INTEREST-LOAN>                                115,683
<INTEREST-INVEST>                               21,365
<INTEREST-OTHER>                                 5,893
<INTEREST-TOTAL>                               142,941
<INTEREST-DEPOSIT>                              56,236
<INTEREST-EXPENSE>                              62,115
<INTEREST-INCOME-NET>                           80,826
<LOAN-LOSSES>                                    1,811
<SECURITIES-GAINS>                                 121
<EXPENSE-OTHER>                                 59,222
<INCOME-PRETAX>                                 51,866
<INCOME-PRE-EXTRAORDINARY>                      33,753
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    33,753
<EPS-PRIMARY>                                      .84
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    4.69
<LOANS-NON>                                     18,231
<LOANS-PAST>                                     3,722
<LOANS-TROUBLED>                                   736
<LOANS-PROBLEM>                                  7,351
<ALLOWANCE-OPEN>                                73,182
<CHARGE-OFFS>                                    3,608
<RECOVERIES>                                       708
<ALLOWANCE-CLOSE>                               72,093
<ALLOWANCE-DOMESTIC>                            72,093
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         21,322
        

</TABLE>