<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, 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         237,308
<INT-BEARING-DEPOSITS>                          31,173
<FED-FUNDS-SOLD>                               363,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,330,797
<INVESTMENTS-CARRYING>                          81,061
<INVESTMENTS-MARKET>                            85,774
<LOANS>                                      5,157,079
<ALLOWANCE>                                     68,403
<TOTAL-ASSETS>                               7,344,061
<DEPOSITS>                                   6,133,375
<SHORT-TERM>                                   249,440
<LIABILITIES-OTHER>                            103,287
<LONG-TERM>                                    175,441
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       103,241
<OTHER-SE>                                     579,277
<TOTAL-LIABILITIES-AND-EQUITY>               7,344,061
<INTEREST-LOAN>                                115,111
<INTEREST-INVEST>                               23,346
<INTEREST-OTHER>                                 3,180
<INTEREST-TOTAL>                               141,637
<INTEREST-DEPOSIT>                              57,920
<INTEREST-EXPENSE>                              62,968
<INTEREST-INCOME-NET>                           78,669
<LOAN-LOSSES>                                    3,140
<SECURITIES-GAINS>                                 622
<EXPENSE-OTHER>                                 54,092
<INCOME-PRETAX>                                 46,174
<INCOME-PRE-EXTRAORDINARY>                      29,284
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    29,284
<EPS-PRIMARY>                                     1.41
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    4.79
<LOANS-NON>                                     17,571
<LOANS-PAST>                                     2,982
<LOANS-TROUBLED>                                   772
<LOANS-PROBLEM>                                  6,031
<ALLOWANCE-OPEN>                                67,594
<CHARGE-OFFS>                                    2,921
<RECOVERIES>                                       590
<ALLOWANCE-CLOSE>                               68,403
<ALLOWANCE-DOMESTIC>                            68,403
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,222
        

</TABLE>